Resilient Growth Amidst Challenges
In a global economy still marked by uncertainty, TPBank has maintained its strong performance, delivering impressive business results in the first nine months of 2025. The bank’s total assets surpassed VND 450 trillion, achieving its annual target in just three quarters. Credit growth saw a remarkable 22% increase year-on-year, showcasing robust business expansion. Additionally, TPBank reported pre-tax profits of VND 6.05 trillion, an 11% rise compared to the same period last year.
Beyond scale and profitability, TPBank’s revenue structure has shifted toward a healthier, more sustainable model. Service income accounted for 21% of total operating revenue, a significant 19% growth year-on-year, underscoring the bank’s successful diversification beyond traditional credit sources.
Leading in International Risk Management Standards, Building a Solid Foundation
Alongside its growth, TPBank has established a robust risk management framework. The bank maintains a Capital Adequacy Ratio (CAR) of 14.29%, nearly double the State Bank of Vietnam’s minimum requirement of 8%, ensuring a strong capital buffer against market volatility. Non-performing loans remain below 2%, among the lowest in the industry, reflecting stable credit quality and effective risk oversight.
Notably, TPBank is the first Vietnamese bank to comply with the capital safety regulations outlined in Circular 14/2025, adopting Basel III standards under the Standardized Approach (SA). The bank is also progressing toward the Internal Ratings-Based (IRB) approach, demonstrating its commitment to international standards and its goal of fully aligning with Basel III by 2027.
“Top Convenience. Live Life to the Fullest” – TPBank Captivating the Youth
Throughout its journey, TPBank has prioritized innovation and technology to enhance user experiences. From the TPBank Mobile app and LiveBank 24/7 to the TPBank Biz platform for businesses, the bank’s digital ecosystem continues to expand and optimize. TPBank has been honored with the Vietnam Digital Awards (VDA) for two consecutive years, solidifying its leadership in banking modernization.
The “Em Xinh Say Hi” campaign has significantly boosted TPBank’s brand among young audiences. During the short broadcast of the reality music show “Em Xinh Say Hi,” TPBank Mobile app downloads surged by over 200%, with some days exceeding 120,000 downloads. New credit card applications via the app tripled, and the campaign garnered nearly 1 billion brand impressions, making “TPBank App – Top Convenience. Live Life to the Fullest” a household name.
Financial Metrics Cement TPBank’s Position as Vietnam’s Leading Strong Bank
Beyond optimizing business efficiency, TPBank continues to strengthen its foundation for long-term growth. In October 2025, the bank increased its charter capital by VND 1.32 trillion, raising the total to over VND 27.74 trillion. TPBank also elevated its ownership in Tien Phong Securities (TPS) to 51%, realizing its strategy to expand a versatile financial ecosystem.
TPBank’s commitment to sustainability is evident in its consistent ranking among Vietnam’s top 20 tax-contributing banks. In 2024 alone, TPBank contributed over VND 2.314 trillion to the state budget, ranking 9th among private banks, highlighting its operational efficiency and social responsibility.
Being named “Vietnam’s Leading Strong Bank 2025” by TAB not only recognizes TPBank’s exceptional internal capabilities but also reinforces market and customer trust. In TAB Global’s ranking of the world’s 1,000 strongest banks, TPBank stands as Vietnam’s proud representative alongside global financial leaders.
According to TAB representatives, TPBank’s 2025 “Leading Strong Bank” title reflects its outstanding financial performance, driven by digital innovation, customer-centric solutions, and strategic partnerships. Its balanced growth, profitability, capital strength, and liquidity have been pivotal in this recognition.
For TPBank, this accolade is a testament to its relentless innovation and development. “We are proud that TPBank has been named Vietnam’s Leading Strong Bank. This honor not only validates our financial strength but also inspires us to pursue our long-term vision: to become a leading digital bank, fostering sustainable growth and delivering real value to customers, shareholders, and the community,” shared CEO Nguyen Hung.
With a solid financial foundation, advanced risk management, cutting-edge technology, and a clear strategic vision, TPBank is boldly asserting its leadership, earning the trust of millions of customers and the title of Vietnam’s Leading Strong Bank.
– 08:15 24/11/2025
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