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Vietnam Technological and Commercial Joint Stock Bank TCB.VN
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Vietnam Technological and Commercial Joint Stock Bank financials (annual)
Bars are annual figures from 2022 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Revenue | ₫52.32T | ₫47.67T | ₫39.87T | ₫39.46T |
| SG&A expense | ₫2.07T | ₫2.18T | ₫1.33T | ₫2.05T |
| Interest expense | ₫29.86T | ₫24.58T | ₫29.02T | ₫14.46T |
| Income tax | ₫6.58T | ₫5.78T | ₫4.70T | ₫5.13T |
| Net income | ₫25.29T | ₫21.52T | ₫18.00T | ₫20.15T |
| EPS (diluted) | ₫3572.00 | ₫3049.00 | ₫2549.00 | ₫2862.50 |
| Operating cash flow | ₫39.92T | ₫42.38T | ₫12.05T | ₫55.47T |
| Free cash flow | ₫39.26T | ₫39.51T | ₫10.82T | ₫54.36T |
| Cash & equivalents | ₫195.93T | ₫134.53T | ₫112.72T | ₫87.07T |
| Total assets | ₫1192.34T | ₫978.80T | ₫849.48T | ₫699.03T |
| Total debt | ₫280.62T | ₫203.11T | ₫191.67T | ₫145.55T |
| Total liabilities | ₫1012.84T | ₫830.86T | ₫717.87T | ₫585.61T |
| Shareholders' equity | ₫170.04T | ₫145.42T | ₫130.30T | ₫112.30T |
Growth · year-over-year · Revenue CAGR 9.9%
| Metric | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Revenue growth | +9.8% | +19.5% | +1.0% | — |
| Net income growth | +17.5% | +19.5% | -10.7% | — |
| EPS growth | +17.2% | +19.6% | -11.0% | — |
| Free cash flow growth | -0.6% | +265.1% | -80.1% | — |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · VN · as of 2025-12-31. Figures in VND. Facts plus Stocktoria's own computed scores — not investment advice.