“TPBank: Leading the Way with Efficient Operations and a Pioneer Digital Ecosystem”

Scaling Assets and Quality for Sustainable Growth

TPBank demonstrates its effective operations with a remarkable pre-tax profit of over VND 4,100 billion, a 12% increase compared to the previous year. Total assets nearly reach the threshold of VND 428,600 billion (equivalent to USD 17 billion), completing 95% of the full-year plan and an over 18% increase compared to the same period. This reflects a harmonious expansion in both scale and quality.

Credit activities yield impressive results, with outstanding loans reaching nearly VND 293,500 billion, equivalent to 93% of the annual plan and a more than 31% increase compared to the previous period. The 11.7% credit growth is directed towards strategic sectors such as retail, real estate, and consumer finance, which offer high-profit margins and stable profitability.

Notably, TPBank maintains excellent capital management efficiency, demonstrated by superior safety ratios: the loan-to-deposit ratio (LDR) stands at 77%, and the capital adequacy ratio (CAR) is above 12%—well above the State Bank of Vietnam’s requirements. The Bank also tightly controls non-performing loans. These indicators reflect a reasonable balance between growth and safety, providing a solid foundation for sustainable development.

Diversifying Income Streams with a Distinctive and Efficient Digital Ecosystem

TPBank continues to assert its pioneering position in digital transformation, achieving impressive capital mobilization of nearly VND 377,500 billion, a 19% increase compared to the previous year. The ratio of non-term deposits (CASA) has also increased to nearly 23%, clearly demonstrating the effectiveness of the digital banking strategy and the growing trust of customers.

According to experts, TPBank stands out in digital banking due to its modern technology platform and efficient reach to young customers, along with a clear brand positioning in the retail segment.

The diversification strategy has yielded positive results, with total operating income in the first half of 2025 surpassing VND 9,100 billion. Notably, service income accounts for 21% of this, amounting to nearly VND 1,900 billion, an impressive increase of more than 14% compared to the same period. This testifies to the strategic direction, helping TPBank reduce its dependence on credit income, enhance resilience, and improve operational efficiency.

Solid Reputation among Top Banks

With its strong competitive capabilities and solid market position, TPBank is honored to be listed in the Top 10 prestigious joint-stock commercial banks in 2025 by Vietnam Report, alongside prominent names such as Techcombank, ACB, HDBank, VPBank, Sacombank, SHB, LPBank, and VIB. This ranking is based on three main criteria: financial capacity, media reputation, and surveys of related parties.

Vietnam Report also forecasts five significant growth opportunities for the banking industry in the future: promoting the development of digital financial products, enhancing investment in digital transformation, Vietnam’s economic growth prospects, and amendments to relevant laws. These are areas in which TPBank has been investing heavily.

TPB stock currently has an attractive valuation, with a P/B ratio of almost 1 and a more than 35% increase from its April low, attracting strong interest from foreign investors. The Bank also maintains an attractive dividend policy, offering a 10% cash dividend and a 5% stock dividend from undistributed profits.

With outstanding business results, a pioneering digital ecosystem, and recognition from reputable organizations, TPBank solidifies its position as one of the leading private banks in Vietnam regarding efficiency, reputation, and sustainable development potential.