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Techcombank

Created with Highcharts 6.0.4Sales and Profits (VND bil)Total RevenuesNet Profit200220032004200520062007200820092010201120122013201420152016201720182019010k20k30k05k10k15k

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 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...

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 ...

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