Vietnam Technological & Commercial Joint Stock Bank · HOSE:TCB
Vietnam Technological & Commercial Joint Stock Bank — Techcombank — Shareholder Meeting (April 2026)
34 slides from Vietnam Technological & Commercial Joint Stock Bank's shareholder meeting presentation, Apr 25, 2026
Slide 1: 2026 Annual General Meeting of Shareholders
2026 Annual General Meeting of Shareholders “From national leader to global stature” CEO Presentation Hanoi | April 25th 2026
Slide 2: Techcombank has evolved into the core of an integrated financial ecosystem
Professional investment Techcombank Market leader in debt Completed business setup management services #1 Securities company and pilot execution in 2025 #1 Bank in profitability1 recovery VND 12 Tn AUM VND 7.1 Tn PBT 18M customers VND 15.5 Tn Top 1 Banca collateral assets market share1 VND 32.5 Tn P
Slide 3: Agenda
Agenda SECTION SECTION 01 2025 Lookback 02 Looking forward • Macro-economic • 2026-2030 Strategy • FY25 Financial Performance • 2026 Business Plan • 5-year Transformation Journey
Slide 4: 2025 Lookback
SECTION 01 2025 Lookback • Macro-economic • FY25 Financial Performance • 5-year Transformation Journey 4
Slide 5: Vietnam's economy showed resilience and strong growth
Despite a challenging environment, Vietnam’s economy showed its resilience and maintained a strong growth trajectory GDP achieved an impressive growth rate, the 2nd highest in 15 years Underpinned by key indicators 2025 GDP Public VND 755 Tn Growth rate investment ~84% Vs. Plan 8% Export turnover US
Slide 6: Techcombank delivered solid financial results in 2025, exceeding AGM guidance
Techcombank delivered solid financial results in 2025, exceeding AGM financial guidance TOTAL CREDIT1 824 VND Tn CUSTOMER DEPOSITS2 666 VND Tn CASA BALANCE3 269 VND Tn VND Tn VND Tn VND Tn CASA ratio +21% YoY +18% YoY +17% YoY 2024 2025 2024 2025 2024 2025 PROFIT BEFORE TAX 32.5 VND Tn RETURN ON ASS
Slide 7: Credit and deposit growth outpaced the market
Credit and deposit growth outpaced the market, reflecting strong commercial momentum Total credit1 Customer deposits2 VND Tn VND Tn YoY growth Market growth3 +18% YoY growth Market growth3 +21% 666 21% 19% 21% 15% 824 565 683 397 19% 334 TD CASA4 230 269 17% 2024 2025 2024 2025 CASA ratio (%) 40.8%
Slide 8: Fee income leadership sustained
Fee income leadership sustained, driven by banca and investment banking expansion Fee income Diversification across multiple sources of income VND Tn +8% Investment banking 11.5 10.6 VND 4.2 Tn (+21% YoY) Banca VND 1.2 Tn (+92% YoY) FX sales 2024 2025 VND 1.2 Tn (+37% YoY) 16% market share 1 LC, Cas
Slide 9: Asset quality strengthened further
Asset quality strengthened further, reinforcing balance sheet resilience Leveraging technology and data to enhance Keeping TCB at the leading edge of risk mitigation predictive risk capabilities and financial stability 1.9% NPL G27 1.2% 1.1% Non-performing Scale AI-driven credit and Early loan (NPL)
Slide 10: TCB remains among the best-capitalized and most liquid banks
TCB remains among the best-capitalized and most liquid banks in the system Capital Adequacy Ratio1 (CAR) Loan-to-Deposit Ratio2 Short-term funding to (LDR) medium-long term loans2 % % % SBV limit SBV limit 85% 30% 15.4 14.6 SBV 77.1 76.5 26.5 requirement 24.6 8% 2024 2025 2024 2025 2024 2025 Notes:
Slide 11: Our 2021-2025 strategy was grounded in clear choices
Our 2021-2025 strategy was grounded in clear choices: double down on strengths, expand into high-growth segments, and invest in future capabilities Double down Enabling Capability Pillars • Focus on our biggest profit pools Modern and scalable • Leverage our areas of strength banking platforms o Wea
Slide 12: Strategic focus translated into superior business performance
Strategic focus translated into consistent, superior business performance Double Down Diversify for Growth Successfully expanded the customer base across high-growth segments AFF MAF SME/MSME Merchant No. of customers No. of customers No. of customers ‘000 ‘000 ‘000 2x 67% ~3x 2,615 ~2x ~4x 2,566 26
Slide 13: Enabled by capability developments across key pillars
Enabled by capability developments across 3 key pillars Digital Most modern banking ~3x 4x 32% platform in the region with Growth in new customers Growth in e-banking Growth in active users per hyper-personalized acquired transaction volume annum engagement 55 Sales Improved Enhanced credit Data Clo
Slide 14: Recognized by prestigious international organizations
Recognized by prestigious international organizations Digital bank of the year Best mobile banking app in Vietnam Best Mobile Banking App Asia Pacific Digital World’s Best Integrated Corporate Banking Platform Best Bank in Vietnam Best Cloud Based Implementation Great Place to Work –Vietnam Best AI
Slide 15: Creating value for customers through pioneering solutions
And create value for our customers through pioneering and breakthrough solution 5M customers VND 269 Tn1 VND 70 Tn2 1st Auto-earning product 1st Online CD Bao Loc 1st Comprehensive wealth solution 2.2M merchants 1M cards 1st Innovative merchant solution ShopCash; ShopCredit; QR payment; etc., 1st Gr
Slide 16: Strong operational efficiency enabling faster, more profitable growth
All of this was achieved with strong operational efficiency, enabling faster and more profitable growth going forward Record high no. of customers No. of branches remains flat # cus., Mn # branches ~1.9x CAGR Expanding 18.0 307 302 -0.4% 9.6 customer outreach 2021 2025 2021 2025 Increased productivi
Slide 17: We place sustainability at the heart of our strategy
VND 18.7 Tn VND ~1Tn green lending green bonds issued For our customers 1 Mn €200M Eco Cards issued credit line from EIB for sustainable projects We place sustainability at ~36K VND 231 Bn runners joined our to support social initiatives across the heart of our For our marathons, promoting Vietnam b
Slide 18: Oversubscribed TCBS IPO demonstrated strong investor confidence
Oversubscribed TCBS IPO demonstrated strong investor confidence and reaffirmed our leadership in Vietnam’s capital market TCB and its subsidiary constitute two of the top 10 largest financial 2.5x Oversubscribed services institutions1 Top 15 Vietnamese Financial Services Companies by Market Capitali
Slide 19: Looking forward
SECTION 02 Looking forward • 2026-2030 Strategy • 2026 Business Plan
Slide 20: Vietnam's ambition to become a high-income economy by 2045
Vietnam has set a clear ambition to become a high-income, innovation-driven economy by 2045 10%+ Target annual GDP growth from 2026-2030 4 pillar Politburo resolutions set to support Vietnam new era of growth PPP driven Infra development Resolution 57 Resolution 59 Resolution 66 Resolution 68 Green
Slide 21: Solid foundation to support government plan
Solid foundation to support government plan Rapid Expansion of the Middle and Highly Underpenetrated Financial Services Affluent Class Sector with Room for Wealth Creation3 Middle & Upper Income as % of Total Income-Generating Population1 2025 2030 23% 13% Mortgage 68% 57% 57% (Outstanding 43% Balan
Slide 22: TCB committed to seize opportunities from Vietnam's growing economy
Over next 5 years, TCB is committed to seize opportunities from Vietnam’s fast-growing economy and play a leading role in its next phase of development Accelerate VN Become Foremost Wealth Embedded growth agenda Trusted Manager with finance to make as lead capital Growth World class life easy arrang
Slide 23: Lead arranger for national priority infrastructure projects
Mobilize capital beyond the balance sheet – Lead arranger for national priority infrastructure projects Infrastructure-led economic expansion plan 2026-30 will Lead arranger continue to fuel total government investment growth Distribute to other group entities and market Transportation Net interest
Slide 24: Developing market-leading wealth management capabilities
Developing market-leading wealth management capabilities Vietnam is at the cusp of rapid wealth accumulation Vietnam’s Foremost Wealth Manager PB1 PFA / Capita2 (USD) 2,000 Holistic wealth management solutions Malaysia powered by AI 1,800 At GDP per capita of $6000-7500, TH and MY witnessed 4-6X gro
Slide 25: Leading growth partner for SMEs
Become the leading growth partner for SMEs, supporting development of domestic value-chains and higher-end manufacturing Trusted growth partners for SME/ Merchant Government initiatives created a supportive environment for SME growth #SMEs, Mn “One-app proposition” 2x 2 Easy access to lending 1 Valu
Slide 26: Leveraging ecosystem to serve customer needs
Leveraging ecosystem to serve customer needs in a differentiated way Saving/ Healthcare & Everyday needs Financing needs Investment needs protection needs Payment Shopping & Deposit Wealth Mortgage Housing Health Insurance solution lifestyle management financing purchase consultation Individual & li
Slide 27: Investing in 3 strategic pillars, with AI as a critical enabler
Techcombank will continue to invest in 3 strategic pillars, with AI as a critical enabler • Intelligent, embedded platforms powered by agentic and Gen AI Digital AI-EMPOWERED CUSTOMER VALUE PROPOSITION • Ecosystem Data • Human x powering AI AI empowered capabilities Data Talent 27
Slide 28: Building AI-powered platforms for new customer experiences
Building AI-powered platforms that unlock entirely new customer experiences …For everything, everywhere, any way you want Real-time, scalable Hyper-personalized Always-on (24/7) Omnichannel, frictionless content generation customer engagement intelligent service experiences 28 28
Slide 29: Unleashing workforce superpowers in an AI-first organization
Unleashing workforce superpowers in an AI-first organization AI – Our amplifiers Human – Our essence Building Techcombank AI Studio “Tài” Cultivating AI-ready talent & empowering our workforce through AI upskilling at scale Enterprise-Wide Front-end system AI Literacy Agentic platform AI application
Slide 30: New 5-year strategy from a position of strength
Techcombank embarks on new 5-year strategy from a position of strength, ready to capture emerging growth opportunities and play a leading role in shaping Vietnam’s financial industry Combined with investment in 3 Strategic TCB is ready to seize new Market leadership in key fronts Pillars of Excellen
Slide 31: Looking forward
SECTION 02 Looking forward • 2026-2030 Strategy • 2026 Business Plan
Slide 32: Global landscape complex and volatile due to the U.S-Iran conflict
Global landscape has become exceptionally complex and volatile due to the U.S-Iran conflict Global Vietnam Global crude oil supply remains strained Public investment remains a key growth pillar Oil prices have risen by over 80% since early 2026 VND 995 Tn Plan in 2026 (+10.4% vs. 2025) Trade tariffs
Slide 33: Vietnam's growth outlook holds for 2026 amid global risks
Vietnam’s growth outlook holds for 2026, but rapidly escalating global risks are increasing uncertainty significantly GDP growth by global financial institutions Real GDP growth indexed to 100% in 2019 7% Core drivers of FY26 GDP growth remain intact Vietnam • Enhanced Fiscal policy +8.0% • Increase
Slide 34: TCB confident in 2026 performance delivery
Amid macroeconomic volatility, TCB remains confident with 2026 performance delivery VND 37.5 Tn Profit before tax +15% YoY Total Credit1 Total Deposits NPL ratio In line with quota To be in line with < 1.5% granted by the actual credit SBV growth Note: 1. Subject to SBV’s approval. Bank’s credit bal