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Over a three-month period, Techcombank has consistently received high credit ratings from two of the world’s leading rating agencies, Fitch Ratings and S&P Global Ratings. These ratings underscore the bank’s robust capital strength, effective risk management, and sustainable growth strategy.
Specifically, Fitch Ratings assigned Techcombank a Long-Term Issuer Default Rating (IDR) of ‘BB-‘ with a Positive Outlook, along with a Viability Rating (VR) and Government Support Rating (GSR) of ‘bb-‘. The bank’s Funding and Liquidity Assessment was rated at ‘bb’, the highest among rated Vietnamese banks.
According to Fitch Ratings, the Positive Outlook reflects Techcombank’s strong financial performance, stable funding structure, and prudent risk management framework. It also highlights the bank’s efforts to diversify its credit portfolio and maintain asset quality across economic cycles.
Notably, the ‘bb’ rating for Funding and Liquidity is attributed to Techcombank’s robust fundraising capabilities, with funding costs significantly lower than the industry average, and its effective liquidity management.
Techcombank boasts the highest capital adequacy ratio among Fitch-rated Vietnamese banks, with a Fitch Core Capital (FCC) ratio of 13.9% and a Tier 1 capital ratio of 14.2% as of September 2025. Fitch notes that this strong capital position provides ample room for growth while mitigating concentration risks. “This ratio could further improve with the implementation of Circular 14/2025/TT-NHNN,” Fitch emphasized.
Fitch Ratings also highlights Techcombank’s strong profitability, with a return on risk-weighted assets (RWA) of 2.7%, significantly higher than the industry average. This is driven by efficient cost management, a diversified revenue structure, and sustainable non-interest income.
Additionally, Fitch commends Techcombank’s rigorous credit assessment standards and effective collateral management, evidenced by a non-performing loan (NPL) ratio of just 1.2%, among the lowest in the industry.
Mr. Alex Macaire, Group Chief Financial Officer – Techcombank, stated: “The Positive Outlook from Fitch Ratings is an independent and objective recognition of Techcombank’s relentless efforts. This marks the second time in 2025 that Techcombank has received high ratings from global credit rating agencies, affirming consistent international recognition of our robust financial capabilities and strategic vision. Techcombank is committed to pursuing sustainable growth, delivering exceptional customer experiences, creating long-term value for shareholders and the community, and contributing positively to Vietnam’s economic development.”
Earlier, on August 25, S&P Global Ratings upgraded Techcombank’s credit rating to BB.
Recently, Techcombank reported pre-tax profits of VND 23.4 trillion for the first nine months of 2025, a 2.4% increase year-on-year, leading private banks. Third-quarter 2025 pre-tax profits reached VND 8.3 trillion, up 14.4%, marking the highest quarterly profit in the bank’s history. The CASA ratio remained industry-leading, and operational efficiency metrics exceeded expectations despite challenging market conditions.
Notably, TCB was also included in the VNSI20 index, comprising the top 20 companies with the highest ESG scores in the Ho Chi Minh City Stock Exchange’s sustainability index, reinforcing its strong commitment to sustainable development and excellent corporate governance.
– 18:08 10/11/2025
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