key Financial Highlights of Techcombank, LPBank, and VPBank (2025)
Here’s a summary of the key financial performance indicators for Techcombank (TCB), LPBank, and VPBank as of December 31, 2025, based on the provided text:
1. Techcombank (TCB)
* Total Outstanding Loans: VND767.617 billion (21.5% increase year-over-year, exceeding the banking sector’s 19.01% growth).
* Non-Performing Loans: VND8.2 trillion (15.5% increase year-over-year), with high-risk loans increasing considerably (82% to VND5.941 trillion).
* net Interest Income: VND38.155 billion (7% increase).
* Profit After Tax: VND25,954 million (19% increase).
* Average Employee Income: VND48 million/month (slight decrease from VND49 million the previous year).
* Sectoral Trends:
* Growth: Financial, Banking & Insurance (doubled to VND19.255 trillion), Margin Trading/Prepayments (70% increase to VND43.859 billion).
* Decline: Agriculture,Forestry & Fisheries (16% decrease to VND3.622 trillion), Manufacturing & Processing (4% decrease to VND56.386 trillion).
2. LPBank
* Total customer Loans: VND391.746 billion (18% increase year-over-year).
* Net Interest Income: VND16.034 billion (4% increase).
* Profit After Tax: VND11,422 million (18% increase).
* Real Estate Loans: VND15.094 billion (49% increase – a meaningful driver of growth).
* Growth Drivers: Reduced credit risk provisions and increased other operating income contributed to double-digit earnings growth despite sluggish interest income.
3. VPBank
* Total Customer Loans: VND943.901 million (35% increase year-over-year – significantly higher than the industry average).
* Net Interest Income: VND58.662 billion (17% growth).
* Profit After Tax: VND24,354 million (52% increase).
* Sectoral Trends:
* Significant Growth: Margin Trading/customer Advances (3.6x increase to VND34.093 trillion), Finance, Banking & Insurance (increase from VND17.985 billion to VND52.733 billion).
* Growth: Commercial Real Estate Loans (11% increase to VND207.427 billion).
Overall Trends:
* Strong Loan Growth: All three banks experienced significant loan growth, with VPBank leading at 35%.
* Sectoral Shifts: there’s a clear trend of increased lending in the financial, banking, insurance, and real estate sectors, while some customary sectors like agriculture and manufacturing saw declines (in Techcombank’s case).
* Profitability: All three banks reported increased profits, with VPBank showing the moast significant jump (52%).
* Rising Risk: Techcombank’s increase in non-performing loans,particularly high-risk loans,suggests a potential increase in credit risk.
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