Recently, the “Asia Brand 2025” forum, hosted by Brand Finance in Singapore, officially took place under the theme “The Brand Frontier: Asia’s Rise to Global Dominance.” The event gathered over 160 leaders from top economies in the region, representing major brands across various sectors from China, Japan, India, Singapore, Indonesia, Vietnam, and more. Techcombank was the sole representative from Vietnam’s banking sector.
During the event, Techcombank was honored as one of the ‘Top 5 Most Valuable Vietnamese Brands in the ASEAN 500’ ranking, with a brand value of $1.6 billion and a Brand Strength Index (BSI) of 83.7 points, classified as “very strong” by Brand Finance standards. The Brand Health Index (BEI) by NielsenIQ also ranked Techcombank at the top. In Q3 2025, Techcombank achieved the highest brand health score and was the most favored bank in Vietnam. It was also named Vietnam’s No. 1 bank in Forbes’ “World’s Best Banks 2025” list.
Alongside leading Asian brands like BDO, Shell Group, OCBC, and ICBC, Techcombank’s journey demonstrates that Vietnamese brands can leverage their unique strengths to gain regional and global influence, proving their autonomy and impact.
Pioneering Trends, Creating Competitive Advantages
With the vision of “Transforming Finance, Elevating Life,” Techcombank’s remarkable success stems from its consistent customer-centric approach, embedded in every decision—from strategic business direction to product design, customer experience, and organizational culture. This commitment delivers greater value to customers, citizens, and communities.
By the end of 2024, Techcombank’s operating income (TOI) grew robustly by 17.3%, and pre-tax profit (PTP) reached 20.3%. Leveraging data-driven insights, the bank launched innovative products like Techcombank Auto Profit, the Techcombank Loyalty Program, and new solutions for retailers and merchants. These initiatives helped Techcombank achieve a record-high 40.9% non-interest-bearing deposit ratio (CASA), maintaining competitive funding costs compared to market peers.
In the first nine months of 2025, Techcombank reported a pre-tax profit of VND 23.4 trillion, up 2.4% year-on-year, leading private banks. Q3 2025 pre-tax profit hit VND 8.3 trillion, a 14.4% increase and the highest quarterly profit ever. The bank’s CASA ratio remained industry-leading, with operational efficiency metrics exceeding expectations despite market challenges.
Notably, Techcombank was included in the VNSI20 index—the top 20 companies with the highest ESG scores in Ho Chi Minh City Stock Exchange’s sustainability index, underscoring its commitment to sustainable development and excellent corporate governance.
Three Pillars: Data, Digitalization, and Talent
At the recent “2025 Investor Conference” in Ho Chi Minh City, Techcombank CEO Jens Lottner shared insights with 150 global investors on the banking sector’s growth prospects. He highlighted Techcombank’s role in driving innovation alongside the Vietnamese government, contributing to the nation’s economic development and attracting high-quality international capital.
Regarding talent, CEO Jens emphasized that people are the core foundation. Techcombank has built a high-quality workforce, blending local and international expertise. The bank actively recruits global talent and attracts Vietnamese professionals from hubs like Silicon Valley, Los Angeles, Singapore, Sydney, Paris, and London. For Techcombank, talent is the cornerstone for leveraging its other pillars: digitalization and data.
On digitalization, Techcombank has heavily invested in technology, prioritizing a cloud-first strategy. Currently, 60% of its tech infrastructure operates on the cloud, significantly higher than the 20% industry average. This enables scalable growth without increasing operational staff, resulting in a 2.5x customer base expansion over five years with optimized marginal costs.
In data utilization, Techcombank processes over 8 billion customer data points daily, leveraging its position as one of Vietnam’s highest-transaction-volume banks. This data builds detailed customer profiles with approximately 12,000 attributes, enhancing CRM models and digital marketing to improve customer experience and business efficiency.
Strategic Marketing Campaigns
From product promotions to brand campaigns, Techcombank’s marketing efforts redefine modern banking, connecting with all customer segments and fostering national pride. These initiatives are rooted in meticulous research on Vietnamese culture, creativity, and cutting-edge technology, creating a unique, replicable brand identity.
For nearly a decade, Techcombank has organized annual marathons in Hanoi and Ho Chi Minh City, maintaining international standards and attracting hundreds of thousands of participants. This has become Vietnam’s premier running event, a feat unmatched by other banks. Through these efforts, Techcombank promotes physical and mental well-being, embodying the mission “Striding for a Superior Vietnam” and contributing to sustainable national development.
In 2024-2025, Techcombank became the only Vietnamese bank to win the Gold Award for “Innovation in Cross-Media Marketing” and two Silver Awards for brand development and marketing excellence at the APAC Stevie Awards 2025, a prestigious global recognition for business and marketing innovation.
At the “Asia Brand 2025” forum, Ms. Thai Minh Diem Tu stated: “Amid the rise of Asian brands, the Vietnamese government has implemented policies supporting innovation, digital transformation, and sustainable development, strengthening Vietnamese brands. Techcombank continuously harnesses Vietnam’s cultural essence and spirit to build a powerful brand, achieving international recognition and delivering sustainable value to customers, citizens, and communities.”
SeABank Embraces Green Operations, Championing Environmental Awareness for Net-Zero Goals
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Da Nang Transitions to Contract Households: VNPAY Supports Digital Invoicing and Payments
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Ho Chi Minh City Hosts Autumn Economic Forum 2025: “Green Transformation in the Digital Age”
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Vietnam’s $258 Billion Protection Gap: Healthcare Costs Outpacing Income Growth
The Swiss Re Institute estimates that Asia faces a staggering $258 billion health protection gap. For Vietnamese citizens, this reality hits close to home: a shocking 40% of healthcare expenses are paid out-of-pocket, and a single cancer case can cost an average of over 176 million VND annually.
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