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Techcombank

Techcombank's npls (as % of loans) fell 23.9% yoy to 1.33% in 4Q2019

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...

Techcombank's net profit rose 34.4% yoy to VND 3,029 bil in 4Q2019

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...

Techcombank's customer deposits rose 23.3% yoy to VND 176,972 bil in 4Q2016

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...

Annual Quarterly LTM
Profit Statement Jun 2019 Sep 2019 Dec 2019
Net Interest Income VND bil 3,124 3,626 3,904
Net Fee Income VND bil 831 738 1,364
Other Income VND bil 1,579 2,021 2,735
Total Revenues VND bil 5,534 6,385 8,003
Staff Cost VND bil 1,006 1,055 1,247
Operating Profit VND bil 3,464 4,031 4,789
Provisions VND bil 72.0 366 312
Net Profit VND bil 2,409 2,554 3,029
Balance Sheet Jun 2019 Sep 2019 Dec 2019
Interbank Loans VND bil 42,787 43,304 47,990
Customer Loans VND bil 182,887 202,462 227,885
Total Assets VND bil 360,662 367,538 383,699
Shareholders' Equity VND bil 56,366 58,941 62,073
Interbank Borrowing VND bil 61,567 60,126 64,747
Customer Deposits VND bil 229,005 218,655 231,297
Issued Debt Securities VND bil 2,359 15,221 13,980
Ratios Jun 2019 Sep 2019 Dec 2019
ROE % 17.5 17.7 20.0
ROA % 2.81 2.81 3.23
Costs (As % Of Assets) % 2.41 2.59 3.42
Costs (As % Of Income) % 37.4 36.9 40.2
Net Interest Margin % 3.64 3.98 4.16
Loans (As % Of Deposits) % 79.9 92.6 98.5
NPLs (As % Of Loans) % 1.78 1.80 1.33
Provisions (As % Of NPLs) % 77.1 77.1 94.8
Valuation Jun 2019 Sep 2019 Dec 2019
Price/Earnings (P/E) 7.43 7.99 6.80
Price/Book Value (P/BV) 1.27 1.39 1.33
Earnings Per Share (EPS) VND 2,740 2,922 3,463
Book Value Per Share VND 16,029 16,857 17,739

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summary Unit Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
income statement                                        
Net Interest Income VND bil                           2,504 3,117 2,959 3,360 3,124    
Total Revenues VND bil                           4,366 5,290 6,153 5,396 5,534    
Operating Profit VND bil                           3,030 3,558 3,272 3,104 3,464    
Net Profit VND bil                           2,101 2,059 2,253 2,083 2,409    
balance sheet                                        
Interbank Loans VND bil                           51,322 43,737 35,559 45,810 42,787    
Customer Loans VND bil                           164,181 164,282 157,554 161,272 182,887    
Debt Securities VND bil                           63,202 75,794 95,293 94,267 104,569    
Total Assets VND bil                           300,405 311,796 320,989 326,112 360,662    
Shareholders' Equity VND bil                           47,429 49,481 51,783 53,875 56,366    
Interbank Borrowing VND bil                           40,364 44,578 44,309 42,935 61,567    
Customer Deposits VND bil                           199,788 206,923 210,692 216,944 229,005    
Issued Debt Securities VND bil                           4,742 893 2,042 2,307 2,359    
ratios                                        
ROE % ...                         19.8 17.0 17.8 15.8 17.5    
ROA % ...                         2.93 2.69 2.85 2.57 2.81    
Costs (As % Of Assets) % ...                         1.86 2.26 3.64 2.83 2.41    
Costs (As % Of Income) %                           30.6 32.7 46.8 42.5 37.4    
Net Interest Margin % ...                         3.49 4.07 3.74 4.15 3.64    
Interest Income (As % Of Revenues) %                           57.4 58.9 48.1 62.3 56.5    
Fee Income (As % Of Revenues) %                           15.8 17.7 23.1 10.5 15.0    
Staff Cost (As % Of Total Cost) %                           53.3 39.5 38.7 41.6 48.6    
Equity (As % Of Assets) %                           15.8 15.9 16.1 16.5 15.6    
Loans (As % Of Deposits) %                           82.2 79.4 74.8 74.3 79.9    
Loans (As % Assets) %                           54.7 52.7 49.1 49.5 50.7    
NPLs (As % Of Loans) %                           2.04 2.05 1.75 1.78 1.78    
Provisions (As % Of NPLs) %                           74.2 77.5 85.1 87.7 77.1    
valuation                                        
Market Capitalisation (End Of Period) USD mil ... ... ... ... ... ... ... ... ... ... ... ... ... 4,656 4,371 3,894 3,858 3,054    
Number Of Shares (Average) mil                           3,497 3,497 3,497 3,497 3,517    
Share Price (End Of Period) VND ... ... ... ... ... ... ... ... ... ... ... ... ... 30,567 29,150 25,850 25,600 20,350    
Earnings Per Share (EPS) VND                           2,403 2,356 2,578 2,383 2,740    
Book Value Per Share VND                           13,565 14,151 14,810 15,408 16,029    
Price/Earnings (P/E) ... ... ... ... ... ... ... ... ... ... ... ... ... 12.7 12.4 10.0 10.7 7.43    
Price/Book Value (P/BV) ... ... ... ... ... ... ... ... ... ... ... ... ... 2.25 2.06 1.75 1.66 1.27    
Earnings Per Share Growth % ... ... ... ...                   109 -25.9 -32.8 -8.68 14.0    
Book Value Per Share Growth % ... ... ... ...                   144 56.3 46.5 28.7 18.2    
income statement Unit Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
income statement                                        
Interest Income VND bil                           4,917 5,678 5,576 6,003 5,864    
Interest Cost VND bil                           2,413 2,561 2,617 2,643 2,740    
Net Interest Income VND bil                           2,504 3,117 2,959 3,360 3,124    
Net Fee Income VND bil                           688 934 1,424 569 831    
Other Income VND bil                           1,174 1,240 1,770 1,467 1,579    
Total Revenues VND bil                           4,366 5,290 6,153 5,396 5,534    
Staff Cost VND bil                           712 685 1,116 954 1,006    
Depreciation VND bil                           34.2 33.3 32.0 37.3 47.2    
Other Cost VND bil                           590 1,014 1,734 1,301 1,017    
Operating Cost VND bil                           1,336 1,732 2,882 2,292 2,070    
Operating Profit VND bil                           3,030 3,558 3,272 3,104 3,464    
Provisions VND bil                           220 743 59.7 167 72.0    
Extra and Other Cost VND bil                           182 238 325 319 347    
Pre-Tax Profit VND bil                           2,628 2,578 2,887 2,617 3,045    
Tax VND bil                           527 518 622 525 612    
Minorities VND bil                           0 0 11.2 9.28 23.8    
Net Profit VND bil                           2,101 2,059 2,253 2,083 2,409    
growth rates                                        
Net Interest Income Growth % ... ... ... ...                   12.7 51.6 19.8 31.9 24.8    
Net Fee Income Growth % ... ... ... ...                   26.0 45.0 -37.5 15.7 20.8    
Total Revenue Growth % ... ... ... ...                   16.7 43.7 1.45 8.58 26.8    
Operating Cost Growth % ... ... ... ...                   25.5 31.7 74.4 62.8 54.9    
Operating Profit Growth % ... ... ... ...                   13.2 50.4 -25.9 -12.9 14.3    
Pre-Tax Profit Growth % ... ... ... ...                   86.5 22.4 -9.68 1.88 15.9    
Net Profit Growth % ... ... ... ...                   86.7 20.7 -11.8 1.65 14.7    
balance sheet Unit Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
balance sheet                                        
Cash VND bil                           6,802 9,625 13,162 10,115 14,360    
Interbank Loans VND bil                           51,322 43,737 35,559 45,810 42,787    
Customer Loans VND bil                           164,181 164,282 157,554 161,272 182,887    
Retail Loans VND bil ... ... ...   ... ... ...   ...   ...   ... 64,481 ... 72,384 ... 85,241 ... ...
Corporate Loans VND bil ... ... ...   ... ... ...   ...   ...   ... 101,724 ... 87,556 ... 100,191 ... ...
Debt Securities VND bil                           63,202 75,794 95,293 94,267 104,569    
Fixed Assets VND bil                           1,183 1,266 1,405 2,812 3,117    
Total Assets VND bil                           300,405 311,796 320,989 326,112 360,662    
Shareholders' Equity VND bil                           47,429 49,481 51,783 53,875 56,366    
Of Which Minority Interest VND bil                           0 0 69.3 78.6 173    
Liabilities VND bil                           252,975 262,315 269,206 272,237 304,296    
Interbank Borrowing VND bil                           40,364 44,578 44,309 42,935 61,567    
Customer Deposits VND bil                           199,788 206,923 210,692 216,944 229,005    
Sight Deposits VND bil                           41,641 43,750 54,613 55,559 63,792    
Term Deposits VND bil                           153,925 159,017 152,891 158,373 162,133    
Issued Debt Securities VND bil                           4,742 893 2,042 2,307 2,359    
asset quality                                        
Non-Performing Loans VND bil                           3,396 3,428 2,803 2,924 3,302    
Gross Loans VND bil                           166,700 166,939 159,939 163,835 185,432    
Total Provisions VND bil                           2,519 2,657 2,385 2,563 2,545    
growth rates                                        
Customer Loan Growth % ... ... ... ...                   26.1 21.2 -0.887 -0.209 11.4    
Retail Loan Growth % ... ... ... ... ... ... ...   ... ... ...   ... 8.27 ... 11.7 ... 32.2 ... ...
Corporate Loan Growth % ... ... ... ... ... ... ...   ... ... ...   ... 40.9 ... -8.86 ... -1.51 ... ...
Total Asset Growth % ... ... ... ...                   29.3 33.5 19.2 19.4 20.1    
Shareholders' Equity Growth % ... ... ... ...                   118 155 92.3 43.2 18.8    
Customer Deposit Growth % ... ... ... ...                   13.8 21.1 15.8 11.3 14.6    
market share                                        
Market Share in Customer Loans %                 ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Total Assets %                         ... ... ... ... ... ... ... ...
Market Share in Customer Deposits %                 ... ... ... ... ... ... ... ... ... ... ... ...
ratios Unit Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
ratios                                        
ROE % ...                         19.8 17.0 17.8 15.8 17.5    
ROA % ...                         2.93 2.69 2.85 2.57 2.81    
Costs (As % Of Assets) % ...                         1.86 2.26 3.64 2.83 2.41    
Costs (As % Of Income) %                           30.6 32.7 46.8 42.5 37.4    
Net Interest Margin % ...                         3.49 4.07 3.74 4.15 3.64    
Interest Spread % ...                         2.91 3.44 3.11 3.52 3.03    
Asset Yield % ...                         6.86 7.42 7.05 7.42 6.83    
Cost Of Liabilities % ...                         3.95 3.98 3.94 3.91 3.80    
Interest Income (As % Of Revenues) %                           57.4 58.9 48.1 62.3 56.5    
Fee Income (As % Of Revenues) %                           15.8 17.7 23.1 10.5 15.0    
Other Income (As % Of Revenues) %                           26.9 23.4 28.8 27.2 28.5    
Cost Per Employee USD per month                           1,201 1,123 1,675 1,380 1,414    
Cost Per Employee (Local Currency) VND per month                           27,086,100 25,480,900 38,134,500 31,601,200 32,545,300    
Staff Cost (As % Of Total Cost) %                           53.3 39.5 38.7 41.6 48.6    
Equity (As % Of Assets) %                           15.8 15.9 16.1 16.5 15.6    
Loans (As % Of Deposits) %                           82.2 79.4 74.8 74.3 79.9    
Loans (As % Assets) %                           54.7 52.7 49.1 49.5 50.7    
NPLs (As % Of Loans) %                           2.04 2.05 1.75 1.78 1.78    
Provisions (As % Of NPLs) %                           74.2 77.5 85.1 87.7 77.1    
Provisions (As % Of Loans) %                           1.53 1.62 1.51 1.59 1.39    
Cost of Provisions (As % Of Loans) % ...                         0.540 1.81 0.148 0.420 0.167    
other data Unit Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
other data                                        
Employees                           8,765 8,957 9,757 10,059 10,307    
Sight (As % Of Customer Deposits) %                           20.8 21.1 25.9 25.6 27.9    
Return on Loans % ...                         5.16 5.34 5.26 5.33 5.12    
Operating Profit (As % of Loans) % ... ... ...                     8.21 8.87 8.34 8.13 7.79    
Costs (As % Of Loans) % ...                         3.68 3.78 4.54 5.09 5.39    
Equity (As % Of Loans) %                           28.9 30.1 32.9 33.4 30.8    

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Techcombank's net interest margin rose 11.1% yoy to 4.16% in 4Q2019

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%...

Techcombank's price/earnings (P/E) fell 32.2% yoy to 6.80 in 4Q2019

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...

Techcombank's net interest income rose 31.9% yoy to VND 3,904 bil in 4Q2019

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, ...

Techcombank's market capitalisation (end of period) fell 8.66% yoy to USD 3,557 mil in 4Q2019

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...

Techcombank's equity (as % of assets) rose 0.280% yoy to 16.2% in 4Q2019

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. ...

Techcombank's customer loan growth rose 5,131% yoy to 44.6% in 4Q2019

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 ...

Techcombank's net profit rose 19.1% yoy to VND 10,075 bil in 2019

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...

Techcombank's npls (as % of loans) fell 23.9% yoy to 1.33% in 2019

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...

Techcombank's net interest margin rose 7.39% yoy to 4.05% in 2019

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 ...

Techcombank's net interest income rose 28.2% yoy to VND 14,262 bil in 2019

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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