By Helgi Library - March 4, 2020
Techcombank's non-performing loans reached 1.33% of total loans at the end of 2019-12-31, down from 1.75% compared to the previou...
By Helgi Library - March 1, 2020
Techcombank made a net profit of VND 3,029 bil under revenues of VND 8,003 bil in the fourth quarter of 2019, up 34.4% and 30...
By Helgi Library - March 1, 2020
Techcombank's customer deposits reached VND 176,972 bil in 2016-12-31, up 6.31% compared to the previous year. Vietnamese banki...
| Profit Statement | 2017 | 2018 | 2019 | |
| Net Interest Income | VND bil | 8,931 | 11,127 | 14,262 |
| Net Fee Income | VND bil | 3,926 | 3,536 | 3,253 |
| Other Income | VND bil | 4,443 | 6,116 | 7,802 |
| Total Revenues | VND bil | 17,300 | 20,779 | 25,318 |
| Staff Cost | VND bil | 2,595 | 3,240 | 4,262 |
| Operating Profit | VND bil | 12,239 | 13,423 | 15,387 |
| Provisions | VND bil | 3,609 | 1,846 | 917 |
| Net Profit | VND bil | 6,446 | 8,463 | 10,075 |
| Balance Sheet | 2017 | 2018 | 2019 | |
| Interbank Loans | VND bil | 30,156 | 35,559 | 47,990 |
| Customer Loans | VND bil | 158,964 | 157,554 | 227,885 |
| Total Assets | VND bil | 269,392 | 320,989 | 383,699 |
| Shareholders' Equity | VND bil | 26,931 | 51,783 | 62,073 |
| Interbank Borrowing | VND bil | 47,542 | 44,309 | 64,747 |
| Customer Deposits | VND bil | 182,011 | 210,692 | 231,297 |
| Issued Debt Securities | VND bil | 6,382 | 2,042 | 13,980 |
| Ratios | 2017 | 2018 | 2019 | |
| ROE | % | 27.7 | 21.5 | 17.7 |
| ROA | % | 2.55 | 2.87 | 2.86 |
| Costs (As % Of Assets) | % | 2.01 | 2.49 | 2.82 |
| Costs (As % Of Income) | % | 29.3 | 35.4 | 39.2 |
| Capital Adequacy Ratio | % | 12.7 | ... | ... |
| Net Interest Margin | % | 3.54 | 3.77 | 4.05 |
| Loans (As % Of Deposits) | % | 87.3 | 74.8 | 98.5 |
| NPLs (As % Of Loans) | % | 1.61 | 1.75 | 1.33 |
| Provisions (As % Of NPLs) | % | 72.9 | 85.1 | 94.8 |
| Valuation | 2017 | 2018 | 2019 | |
| Price/Earnings (P/E) | ... | 9.60 | 8.17 | |
| Price/Book Value (P/BV) | ... | 1.57 | 1.33 | |
| Dividend Yield | % | ... | 0 | ... |
| Earnings Per Share (EPS) | VND | 2,573 | 2,692 | 2,881 |
| Book Value Per Share | VND | 10,111 | 16,508 | 17,749 |
| Dividend Per Share | VND | 0 | 0 | ... |
Get all company financials in excel:
| summary | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||||||||
| Net Interest Income | VND bil | 4,353 | 5,876 | 7,219 | 8,143 | 8,931 | |||||||||||||
| Total Revenues | VND bil | 6,386 | 8,613 | 10,372 | 13,201 | 17,300 | |||||||||||||
| Operating Profit | VND bil | 2,705 | 4,241 | 6,204 | 8,261 | 12,239 | |||||||||||||
| Net Profit | VND bil | 659 | 1,082 | 1,529 | 3,149 | 6,446 | |||||||||||||
| balance sheet | |||||||||||||||||||
| Interbank Loans | VND bil | ... | 15,421 | 18,923 | 14,763 | 21,599 | 30,156 | ||||||||||||
| Customer Loans | VND bil | ... | 69,089 | 79,348 | 110,461 | 141,121 | 158,964 | ||||||||||||
| Debt Securities | VND bil | ... | ... | ... | ... | ... | 52,315 | 59,158 | 49,191 | 55,574 | 59,559 | ||||||||
| Total Assets | VND bil | 158,897 | 175,902 | 191,994 | 235,363 | 269,392 | |||||||||||||
| Shareholders' Equity | VND bil | 13,920 | 14,986 | 16,458 | 19,587 | 26,931 | |||||||||||||
| Interbank Borrowing | VND bil | 14,891 | 18,246 | 20,587 | 26,409 | 47,542 | |||||||||||||
| Customer Deposits | VND bil | 121,068 | 134,943 | 143,484 | 176,972 | 182,011 | |||||||||||||
| Issued Debt Securities | VND bil | ... | ... | 4,952 | 4,293 | 7,385 | 7,405 | 6,382 | |||||||||||
| ratios | |||||||||||||||||||
| ROE | % | ... | 4.84 | 7.49 | 9.73 | 17.5 | 27.7 | ||||||||||||
| ROA | % | ... | 0.389 | 0.646 | 0.831 | 1.47 | 2.55 | ||||||||||||
| Costs (As % Of Assets) | % | ... | 2.17 | 2.61 | 2.27 | 2.31 | 2.01 | ||||||||||||
| Costs (As % Of Income) | % | 57.6 | 50.8 | 40.2 | 37.4 | 29.3 | |||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | 14.0 | 15.7 | 15.8 | 13.1 | 12.7 | ... | ... | ||||
| Net Interest Margin | % | ... | 2.57 | 3.51 | 3.92 | 3.81 | 3.54 | ||||||||||||
| Interest Income (As % Of Revenues) | % | 68.2 | 68.2 | 69.6 | 61.7 | 51.6 | |||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | 11.5 | 11.9 | 11.0 | 14.8 | 22.7 | ||||||
| Staff Cost (As % Of Total Cost) | % | 37.7 | 37.2 | 45.5 | 46.9 | 51.3 | |||||||||||||
| Equity (As % Of Assets) | % | 8.76 | 8.52 | 8.57 | 8.32 | 10.00 | |||||||||||||
| Loans (As % Of Deposits) | % | ... | 57.1 | 58.8 | 77.0 | 79.7 | 87.3 | ||||||||||||
| Loans (As % Assets) | % | ... | 43.5 | 45.1 | 57.5 | 60.0 | 59.0 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 3.65 | 2.38 | 1.67 | 1.58 | 1.61 | ||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | 46.2 | 50.1 | 62.5 | 66.6 | 72.9 | ||||||
| valuation | |||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | ... | 2,655 | 2,663 | 2,663 | 3,287 | 2,663 | ||||||
| Share Price (End Of Period) | VND | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Earnings Per Share (EPS) | VND | ... | ... | ... | ... | ... | ... | ... | 248 | 401 | 565 | 976 | 2,573 | ||||||
| Book Value Per Share | VND | ... | ... | ... | ... | ... | ... | ... | 5,243 | 5,627 | 6,179 | 5,960 | 10,111 | ||||||
| Dividend Per Share | VND | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | ... | |
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 26.1 | 61.7 | 40.8 | 72.9 | 164 | |||||
| Book Value Per Share Growth | % | ... | 30.2 | 7.32 | 9.82 | -3.55 | 69.7 |
| income statement | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||||||||
| Interest Income | VND bil | 13,299 | 13,035 | 13,385 | 15,737 | 17,595 | |||||||||||||
| Interest Cost | VND bil | 8,946 | 7,159 | 6,166 | 7,594 | 8,664 | |||||||||||||
| Net Interest Income | VND bil | 4,353 | 5,876 | 7,219 | 8,143 | 8,931 | |||||||||||||
| Net Fee Income | VND bil | ... | ... | ... | ... | ... | ... | ... | 736 | 1,024 | 1,139 | 1,956 | 3,926 | ||||||
| Other Income | VND bil | ... | ... | ... | ... | ... | ... | ... | 1,296 | 1,713 | 2,014 | 3,103 | 4,443 | ||||||
| Total Revenues | VND bil | 6,386 | 8,613 | 10,372 | 13,201 | 17,300 | |||||||||||||
| Staff Cost | VND bil | 1,386 | 1,627 | 1,898 | 2,316 | 2,595 | |||||||||||||
| Depreciation | VND bil | ... | ... | ... | ... | ... | ... | ... | ... | 189 | 161 | 160 | 152 | 151 | |||||
| Other Cost | VND bil | ... | ... | ... | ... | ... | ... | ... | ... | 2,105 | 2,584 | 2,110 | 2,472 | 2,315 | |||||
| Operating Cost | VND bil | 3,680 | 4,372 | 4,168 | 4,940 | 5,061 | |||||||||||||
| Operating Profit | VND bil | 2,705 | 4,241 | 6,204 | 8,261 | 12,239 | |||||||||||||
| Provisions | VND bil | 1,414 | 2,281 | 3,624 | 3,661 | 3,609 | |||||||||||||
| Extra and Other Cost | VND bil | 414 | 543 | 543 | 603 | 594 | |||||||||||||
| Pre-Tax Profit | VND bil | 878 | 1,417 | 2,037 | 3,997 | 8,036 | |||||||||||||
| Tax | VND bil | ... | 219 | 335 | 508 | 848 | 1,591 | ||||||||||||
| Minorities | VND bil | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||||||||
| Net Profit | VND bil | 659 | 1,082 | 1,529 | 3,149 | 6,446 | |||||||||||||
| Dividends | VND bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | ... | |
| growth rates | |||||||||||||||||||
| Net Interest Income Growth | % | ... | -24.1 | 35.0 | 22.9 | 12.8 | 9.68 | ||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 30.2 | 39.1 | 11.2 | 71.7 | 101 | |||||
| Total Revenue Growth | % | ... | 0.590 | 34.9 | 20.4 | 27.3 | 31.0 | ||||||||||||
| Operating Cost Growth | % | ... | 3.66 | 18.8 | -4.66 | 18.5 | 2.44 | ||||||||||||
| Operating Profit Growth | % | ... | -3.30 | 56.8 | 46.3 | 33.1 | 48.2 | ||||||||||||
| Pre-Tax Profit Growth | % | ... | 1.76 | 61.5 | 43.8 | 96.2 | 101 | ||||||||||||
| Net Profit Growth | % | ... | 1.46 | 64.3 | 41.3 | 106 | 105 | ||||||||||||
| market share | |||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | 3.61 | 4.66 | 4.98 | 5.53 | ... | ... | ... | |||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | 2.19 | 6.32 | 4.91 | 7.64 | ... | ... | ... |
| balance sheet | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| balance sheet | |||||||||||||||||||
| Cash | VND bil | 5,122 | 3,892 | 5,432 | 5,491 | 6,624 | |||||||||||||
| Interbank Loans | VND bil | ... | 15,421 | 18,923 | 14,763 | 21,599 | 30,156 | ||||||||||||
| Customer Loans | VND bil | ... | 69,089 | 79,348 | 110,461 | 141,121 | 158,964 | ||||||||||||
| Retail Loans | VND bil | ... | ... | ... | ... | ... | ... | 22,852 | 30,903 | 49,570 | 61,644 | 64,777 | ... | ||||||
| Corporate Loans | VND bil | ... | ... | ... | ... | ... | ... | 47,372 | 49,286 | 61,895 | 80,658 | 96,071 | ... | ||||||
| Debt Securities | VND bil | ... | ... | ... | ... | ... | 52,315 | 59,158 | 49,191 | 55,574 | 59,559 | ||||||||
| Fixed Assets | VND bil | 686 | 680 | 560 | 1,186 | 1,168 | |||||||||||||
| Intangible Assets | VND bil | ... | ... | ... | ... | ... | 347 | 357 | 322 | 426 | 364 | ||||||||
| Goodwill | VND bil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 29.6 | 19.8 | ... | |||||
| Total Assets | VND bil | 158,897 | 175,902 | 191,994 | 235,363 | 269,392 | |||||||||||||
| Shareholders' Equity | VND bil | 13,920 | 14,986 | 16,458 | 19,587 | 26,931 | |||||||||||||
| Of Which Minority Interest | VND bil | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||||||||
| Liabilities | VND bil | 144,977 | 160,916 | 175,536 | 215,777 | 242,462 | |||||||||||||
| Interbank Borrowing | VND bil | 14,891 | 18,246 | 20,587 | 26,409 | 47,542 | |||||||||||||
| Customer Deposits | VND bil | 121,068 | 134,943 | 143,484 | 176,972 | 182,011 | |||||||||||||
| Sight Deposits | VND bil | ... | ... | ... | ... | ... | 17,695 | 19,897 | 26,787 | 35,827 | 38,235 | ||||||||
| Term Deposits | VND bil | ... | ... | ... | ... | ... | 102,043 | 112,941 | 114,147 | 137,576 | 140,768 | ||||||||
| Issued Debt Securities | VND bil | ... | ... | 4,952 | 4,293 | 7,385 | 7,405 | 6,382 | |||||||||||
| Other Liabilities | VND bil | ... | ... | 4,066 | 3,434 | 4,080 | 4,991 | 6,527 | |||||||||||
| asset quality | |||||||||||||||||||
| Non-Performing Loans | VND bil | ... | ... | ... | ... | ... | ... | ... | 2,566 | 1,914 | 1,864 | 2,246 | 2,584 | ||||||
| Gross Loans | VND bil | ... | ... | ... | ... | ... | ... | 70,275 | 80,308 | 111,626 | 142,616 | 160,849 | |||||||
| Total Provisions | VND bil | ... | ... | ... | ... | ... | ... | ... | 1,186 | 960 | 1,164 | 1,495 | 1,885 | ||||||
| growth rates | |||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | 2.91 | 14.8 | 39.2 | 27.8 | 12.6 | ||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -17.6 | 35.2 | 60.4 | 24.4 | 5.08 | ... | ||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 16.9 | 4.04 | 25.6 | 30.3 | 19.1 | ... | ||||
| Total Asset Growth | % | ... | -11.7 | 10.7 | 9.15 | 22.6 | 14.5 | ||||||||||||
| Shareholders' Equity Growth | % | ... | 4.74 | 7.66 | 9.82 | 19.0 | 37.5 | ||||||||||||
| Customer Deposit Growth | % | ... | 4.15 | 11.5 | 6.33 | 23.3 | 2.85 | ||||||||||||
| market share | |||||||||||||||||||
| Market Share in Customer Loans | % | ... | 2.29 | 2.38 | 2.75 | 2.92 | 2.75 | ... | ... | ||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.57 | 1.48 | 1.54 | 1.67 | ... | ... | ... | |
| Market Share in Total Assets | % | 2.90 | 2.92 | 2.75 | 2.90 | 2.79 | ... | ... | |||||||||||
| Market Share in Customer Deposits | % | 3.28 | 3.16 | 2.84 | 2.98 | 2.67 | ... | ... |
| ratios | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| ratios | |||||||||||||||||||
| ROE | % | ... | 4.84 | 7.49 | 9.73 | 17.5 | 27.7 | ||||||||||||
| ROA | % | ... | 0.389 | 0.646 | 0.831 | 1.47 | 2.55 | ||||||||||||
| Costs (As % Of Assets) | % | ... | 2.17 | 2.61 | 2.27 | 2.31 | 2.01 | ||||||||||||
| Costs (As % Of Income) | % | 57.6 | 50.8 | 40.2 | 37.4 | 29.3 | |||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | 14.0 | 15.7 | 15.8 | 13.1 | 12.7 | ... | ... | ||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.0 | 8.20 | 8.70 | ... | ... |
| Net Interest Margin | % | ... | 2.57 | 3.51 | 3.92 | 3.81 | 3.54 | ||||||||||||
| Interest Spread | % | ... | 2.11 | 3.11 | 3.61 | 3.48 | 3.19 | ||||||||||||
| Asset Yield | % | ... | 7.85 | 7.79 | 7.28 | 7.36 | 6.97 | ||||||||||||
| Cost Of Liabilities | % | ... | 5.74 | 4.68 | 3.67 | 3.88 | 3.78 | ||||||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | ... | |
| Interest Income (As % Of Revenues) | % | 68.2 | 68.2 | 69.6 | 61.7 | 51.6 | |||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | 11.5 | 11.9 | 11.0 | 14.8 | 22.7 | ||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | 20.3 | 19.9 | 19.4 | 23.5 | 25.7 | ||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | 754 | 860 | 960 | 1,125 | 1,101 | |||||||||
| Cost Per Employee (Local Currency) | VND per month | ... | ... | ... | ... | 15,841,200 | 18,269,800 | 20,768,500 | 24,783,600 | 24,668,000 | |||||||||
| Staff Cost (As % Of Total Cost) | % | 37.7 | 37.2 | 45.5 | 46.9 | 51.3 | |||||||||||||
| Equity (As % Of Assets) | % | 8.76 | 8.52 | 8.57 | 8.32 | 10.00 | |||||||||||||
| Loans (As % Of Deposits) | % | ... | 57.1 | 58.8 | 77.0 | 79.7 | 87.3 | ||||||||||||
| Loans (As % Assets) | % | ... | 43.5 | 45.1 | 57.5 | 60.0 | 59.0 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 3.65 | 2.38 | 1.67 | 1.58 | 1.61 | ||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | 46.2 | 50.1 | 62.5 | 66.6 | 72.9 | ||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 1.72 | 1.21 | 1.05 | 1.06 | 1.19 | ||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | 2.08 | 3.07 | 3.82 | 2.91 | 2.41 |
| other data | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| other data | |||||||||||||||||||
| Employees | ... | ... | ... | ... | 7,290 | 7,419 | 7,616 | 7,787 | 8,766 | ||||||||||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | 14.6 | 14.7 | 18.7 | 20.2 | 21.0 | ||||||||
| Return on Loans | % | ... | 0.967 | 1.46 | 1.61 | 2.50 | 4.30 | ||||||||||||
| Operating Profit (As % of Loans) | % | ... | ... | ... | 3.97 | 5.71 | 6.54 | 6.57 | 8.16 | ||||||||||
| Costs (As % Of Loans) | % | ... | ... | ... | 5.40 | 5.89 | 4.39 | 3.93 | 3.37 | ||||||||||
| Equity (As % Of Loans) | % | ... | 20.1 | 18.9 | 14.9 | 13.9 | 16.9 |
Get all company financials in excel:
By Helgi Library - March 1, 2020
Techcombank's net interest margin amounted to 4.16% in the fourth quarter of 2019, up from 3.98% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 4.50% in 4Q2015 and an all time low of 3.34%...
By Helgi Library - March 1, 2020
Techcombank stock traded at VND 23,550 per share at the end fourth quarter of 2019 implying a market capitalization of USD 3,557 mil. Since the end of 4Q2014, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the...
By Helgi Library - March 1, 2020
Techcombank generated total banking revenues of VND 8,003 bil in the fourth quarter of 2019, up 30.1% when compared to the same period of last year and 25.3% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, ...
By Helgi Library - March 1, 2020
Techcombank stock traded at VND 23,550 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 3,557 mil. Over the last five years, the stock has appreciated by 0 implying an annual average growth of 0% In absolute terms, th...
By Helgi Library - March 1, 2020
Techcombank's Equity reached 16.2% of total assets in the 4Q2019, up from 16.1% for the previous year. As a share of net customer loans, the ratio amounted to 27.2% at the end of the fourth quarter of 2019. ...
By Helgi Library - March 1, 2020
Techcombank's customer loan growth reached 44.6% in 2019-12-31, up from -0.887% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 44.6% in 2019-12-31 and an all time low of -0.887% in 2018-12-31. In the last ...
By Helgi Library - March 1, 2020
Techcombank made a net profit of VND 10,075 bil in 2019, up 19.1% compared to the previous year. This implies a return on equity of 17.7%. Historically, the bank’s net profit reached an all time high of VND 10,075 bil in 2019 and an all time low of VND 30.4...
By Helgi Library - March 1, 2020
Techcombank's non-performing loans reached 1.33% of total loans at the end of 2019, down from 1.75% compared to the previous year. Historically, the NPL ratio hit an all time high of 3.65% in 2013 and an all time low of 1.33% in 2019. Provision coverage amo...
By Helgi Library - March 1, 2020
Techcombank's net interest margin amounted to 4.05% in 2019, up from 3.77% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 4.05% in 2019 and an all time low of 2.32% in 2003. The average margin in ...
By Helgi Library - March 1, 2020
Techcombank generated total banking revenues of VND 25,318 bil in 2019, up 21.8% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of VND 25,318 bil in 2019 and an...
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