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Vietnam Technological And Commercial Joint Stock Bank

TCB · VN · Financial Services / Banks - Regional

$32,300+50.00 (+0.16%)

Close Sep 22, 2026 · end-of-day

Market Stats

Previous Close$32,250
Open$32,200
Day Range$32,050 – $32,700
52-Week Range$27,766.32 – $41,135.29
Volume11.77M
Market Cap$226.41T
P/E (TTM)8.36
Forward P/E6.70
EPS$3,823.81
Dividend Yield2.15%
Beta0.90
50-Day Avg$31,798
200-Day Avg$32,673.25

Price History

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About

Vietnam Technological and Commercial Joint Stock Bank provides personal and corporate banking products and services in Vietnam and internationally. The company offers personal banking products and services, such as current accounts, foreign currency accounts, escrow account, and overdraft accounts; flexible and term deposits; certificates of deposit; car, home, and consumer loans; credit and debit cards; overseas money transfer and CDM services; and home, car, and health insurance, as well as group health insurance for business. It also provides corporate banking products and services comprising capital, trading custodial, and real estate custodial accounts; payment, collection, liquidity, deposit, and account management services; letter of credit; solution packages; working capital loans, medium and long-term loans, and supply chain financing; import, export, and domestic trade finance services; and digital banking services. In addition, the company offers foreign exchange services, including spot and forward trade, and foreign exchange swaps; corporate management services; bank guarantee; corporate bonds services; and interest rate derivatives, foreign exchange derivatives, and structured products, as well as ATM services. Further, it provides online and mobile banking services. The company operates through representative offices and transaction offices for individual, small enterprises, and large corporate customers, as well as investors. Vietnam Technological and Commercial Joint Stock Bank was incorporated in 1993 and is headquartered in Hanoi, Vietnam.

Company Details

Sector
Financial Services
Industry
Banks - Regional
CEO
Dr. Jens Lottner
Employees
13.28K
Headquarters
Techcombank Tower, Hanoi, Vietnam, Vietnam
Website
https://techcombank.com

Leadership

  • Dr. Jens LottnerGM, CEO & Head of Human Resources Management · b. 1966
  • Ms. Nguyen Thu LanDirector of Corporate Banking & Financial Institutions and Vice Chairman · b. 1970
  • Mr. Ngoc Hong ChuDirector of Operations & Technology
  • Ms. Thi Tra My NguyenChief Accountant
  • Mr. Nguyen Xuan MinhChief of Investment Banking
  • Mr. Nguyen Anh TuanDep. CEO, Chief of Retail Banking Grp. Div. & Chief Info. Off.
  • Ms. Nguyen Thi SamDirector of Administration
  • Ms. Thai Minh Diem TuChief Marketing Officer
  • Ms. Quyen My DangChief Human Resources Officer
  • Ms. Thao Thu MaiHead of Centre of Credit Administration - Business Banking Division

Financials

Income Statement

Line item2019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue$20.11T$26.06T$36.41T$40.35T$39.87T$47.67T$52.32T
Net Income$10.08T$12.32T$18.05T$21.21T$18.00T$21.52T$25.29T
Interest Expense$10.76T$10.25T$8.80T$11.30T$29.02T$24.58T$29.86T

Balance Sheet

Line item2019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets$383.70T$439.60T$568.73T$699.03T$849.48T$978.80T$1192.34T
Total Liabilities$321.63T$364.99T$475.69T$585.61T$717.87T$830.86T$1012.84T
Total Equity$61.78T$74.13T$92.19T$112.30T$130.30T$145.42T$170.04T
Cash$47.13T$35.61T$48.89T$96.77T$112.72T$134.53T$195.93T
Net Debt-$18.54T$51.65T$43.52T$78.95T$68.58T$84.69T

Cash Flow

Line item2019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow$-40.09T$-42.47T$-89.44T$-43.29T$12.05T$42.38T$39.92T
Investing Cash Flow$-222.24B$-655.39B$-879.94B$-1.06T---
Financing Cash Flow$49.63T$32.21T$102.33T$98.05T---
Capital Expenditure$257.62B$665.86B$940.00B$1.11T$1.23T$2.87T$660.04B
Free Cash Flow$12.37T$-10.75T$11.89T$26.27T$10.82T$39.51T$39.26T
Dividends Paid-----$5.21T$7.08T

Earnings

Report DateJul 22, 2026Apr 20, 2026Jan 19, 2026Oct 20, 2025Jul 20, 2025Apr 20, 2025Jan 20, 2025Oct 20, 2024Jul 22, 2024Apr 23, 2024Jan 21, 2024Oct 23, 2023Jul 25, 2023Apr 26, 2023Feb 6, 2023Nov 1, 2022Jul 26, 2022Apr 26, 2022Mar 31, 2022Oct 20, 2021Jul 20, 2021Apr 18, 2021Jan 27, 2021Oct 26, 2020Jul 27, 2020May 7, 2020Jan 20, 2020Nov 27, 2019Aug 16, 2019Apr 25, 2019Jan 21, 2019Nov 28, 2018Aug 29, 2018
EPS Estimate$943.13$1017.57$906.03$919.85$776.38$734.53$535.49$798.49$798.40$703.70$230.43$560.03$442.72$541.65----$487.08$584.85$604.26$627.22$520.46$314.35$323.60-$401.28-$1128.50$1025.50$361.61--
EPS Actual$1037.23$775.81$1073.68$908.63$884.29$702.32$477.16$814.41$879.11$883.03$630.08$655.76$633.32$639.27$503.84$753.14$826.07$783.93$653.69$617.73$522.91$480.68$563.94$442.70$402.40$350.83$505.74$365.25$341.16$297.84$256.40$294.51$300.39
Surprise9.98%-23.76%18.50%-1.22%13.90%-4.39%-10.89%1.99%10.11%25.48%173.44%17.09%43.05%18.02%----34.21%5.62%-13.46%-23.36%8.35%40.83%24.35%-26.03%--69.77%-70.96%-29.09%--
TimingPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hours----After-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-market-After-hours-After-hours-After-hours--

Key Statistics & Ratios

Market Cap
$226.41T
Enterprise Value
$455.30T
Trailing P/E
8.36
Forward P/E
6.70
Price / Sales
4.21
Price / Book
1.31
EPS
$3,823.81
Book Value
$24,963.26
Revenue (TTM)
$53.75T
Gross Profit (TTM)
$53.75T
Profit Margin
50.45%
Operating Margin
68.97%
Return on Equity
16.12%
Return on Assets
2.45%
Shares Outstanding
7.09B
Shares Float
7.08B
Beta
0.90
Dividend Yield
2.15%
Dividend Rate
$700
Payout Ratio
18.44%

Dividends

20261×
$700.00May 19, 2026
20251×
$1000.00Sep 30, 2025
20241×
$750.00May 21, 2024

Stock Splits

  • Jun 20, 20242:1
  • Jul 5, 2018959692:319897