TIN

Tài chính tổng hợp cổ phần Tín Việt ·UPCOM ·2026Q1

▼ FUNDING UNDER PRESSURE

Operations are weakening LDR 147.6%, -19.8 pp QoQ

Price

126,500

Latest close

04 Jun 2026

P/B 4.7x

ROAE (TTM) 84.2%

NIM (TTM) 33.9%

ROAA (TTM) 11.0%

LDR 147.6%

Bank Picture

TIN bank opening narrative plan rendered.

	                            
	                                LDR
	                            
	                                    147.6%
	                                
−19.8 pp QoQ

	                            
	                                Market funding share
	                            
	                                    87.2%
	                                
+3.8 pp QoQ

	                            
	                                Funding cost
	                            
	                                    5.18%
	                                
+0.2 pp YoY

Metric	2025	2024
Net Interest Income	3.302,1	753,2
NIM	26,60%	9,78%
Net Fee Income	−646,3	−12,2
Provision Expense	893,7	708,4
Net Profit After Tax	1.072,6	−155,7

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Net Interest Income	1.501,1	1.305,5	944,9	640,6	411,6	203,3	179,7	168,1	205,8
NII Growth YoY	+265%	+542%	+426%	+281%	+100%	—	—	—	—
NIM	33,90%	26,14%	28,99%	20,97%	15,73%	11,33%	—	—	—
Net Fee Income	−313,4	−250,7	−194,1	−126,1	−75,4	−17,8	−1,9	−56,8	64,3
Provision Expense	518,2	366,5	201,9	153,1	172,1	142,7	177,6	191,4	196,7
Net Profit After Tax	461,5	418,5	369,4	208,9	75,8	69,6	−36,5	−192,2	7,1
Net Income Growth YoY	+509%	+501%	−1.111%	−209%	+968%	—	—	—	—

Drivers of TIN's profit

TTM

Net profit attributable to parent increased vs last year, mainly helped by higher net interest income. Supporting and offsetting drivers:

Net interest income +VND 3,429.5bn

FX & gold trading +VND 0.1bn

Net fee income −VND 732.4bn

Provision for credit losses +VND 556.0bn

Other income −VND 267.1bn

Operating expenses +VND 45.9bn

TTM

Net profit attributable to parent increased vs prior quarter, mainly helped by higher net interest income. Supporting and offsetting drivers:

Net interest income +VND 1,089.5bn

Other income +VND 5.0bn

FX & gold trading +VND 0.0bn

Provision for credit losses +VND 346.1bn

Net fee income −VND 238.0bn

Operating expenses +VND 9.0bn

Financial Highlights

Detailed analysis of each financial dimension

Is credit clean?

very positive positive stable watch under pressure

Credit Quality

Is asset quality deteriorating?

Credit cost is in a watch zone at 9.57% of average earning assets.

Reserve buffer on gross loans is around 4.83%. LDR stands at 147.6%.

Credit reading currently relies mainly on credit cost and reserve buffer; NPL, group-2, and bad-debt coverage signals will be added next.

Watchpoints

Credit cost is elevated

Credit cost is at 9.57%, pointing to rising provisioning pressure.

LDR is stretched

LDR stands at 147.6%, leaving less room on liquidity.

Key signals

Credit cost 9.57% +2.5pp

Reserve / Gross loans 4.83% +0.4pp

LDR 147.6% −19.8pp

2026Q1

Is interest margin sustainable?

Interest Margin Quality

Is spread coming under pressure?

Spread deserves closer monitoring because funding cost is already at 5.18%, even if pressure is not yet as severe as in clearer compression cases.

In the period, NIM reached 33.90%, +18.2pp YoY; asset yield was 39.07%, +18.4pp; while funding cost was 5.18%, +0.2pp. This suggests spread is not yet showing a clearly deteriorating pattern.

Watchpoints

Funding cost is elevated

Funding cost is 5.18%, pressuring net interest margin.

Key signals

NIM 33.90% +18.2pp

Asset yield 39.07% +18.4pp

Funding cost 5.18% +0.2pp

2026Q1

Earnings Mix

Is profit coming from core or supporting income sources?

Earnings mix currently looks balanced.

Nii accounts for 125.2% of toi, fee income is -25.2% of toi, other income is -1.2% of toi, cir stands at 13.2%, net profit equals 41.6% of toi.

Watchpoints

Fee-income base is thin

Fee income currently contributes only -25.2% of total operating income.

Key signals

NII / TOI 125.2% −1.4pp

Fee / TOI -25.2% —

Other income / TOI -1.2% —

CIR 13.2% −4.2pp

2026Q1

Is liquidity safe?

Funding & Liquidity

Are funding and capital buffers sufficiently safe?

LDR remains high at 147.6%, but liquidity pressure has at least eased somewhat versus last quarter.

Ldr stands at 147.6%, equity equals 12.6% of assets, customer funding accounts for 12.8% of interest-bearing funding, market funding accounts for 87.2%.

Watchpoints

Funding mix turning less comfortable

Market funding share is rising quarter over quarter, suggesting a less comfortable funding mix even if stress is not yet severe.

LDR is stretched

LDR stands at 147.6%, leaving less room on liquidity.

Key signals

LDR 147.6% −19.8pp

Equity / Assets 12.6% +1.3pp

Customer funding 12.8% −3.8pp

Market funding 87.2% +3.8pp

2026Q1

Profitability Quality

What is sustaining current profitability?

Profitability quality looks constructive, with ROAA at 11.00% and ROAE at 84.24%, primarily supported by spread.

Net income on average earning assets is 11.25%, nim stands at 33.90%, credit cost is 9.57%, cir stands at 13.2%, average leverage is around 7.66 times.

Key signals

ROAA 11.00% +2.7pp

ROAE 84.24% +11.0pp

NI / Avg EA 11.25% +2.8pp

Quarterly provision VND 518bn +41.4% QoQ

2026Q1

Investment Takeaway

TIN bank investment takeaway — funding under pressure. [Placeholder for EN translation.]

[Placeholder for EN evidence line 1.]

[Placeholder for EN evidence line 2.]

[Placeholder for EN conclusion.]

Statement Data

Item	2025	2024
Interest Income and Similar Income	3,792.9	1,069.6
Interest Expense and Similar Expenses	490.8	316.5
Net Interest Income	3,302.1	753.2
Fee and Commission Income	15.0	47.1
Fee and Commission Expenses	661.3	59.3
Net Fee and Commission Income	-646.3	-12.2
Net Gain/(Loss) from Foreign Currencies and Gold Trading	0.0	0.0
Net Gain/(Loss) from Trading Securities	2.5	0.8
Net Gain/(Loss) from Investment Securities	40.3	-31.9
Other Income	73.0	369.8
Other Expenses	121.2	60.1
Net Other Income	-48.2	309.6
Operating Expenses	453.8	466.8
Operating Profit before Provision for Credit Losses	2,196.6	552.7
Provision for Credit Losses	893.7	708.4
Profit Before Tax	1,303.0	-155.7
Current Corporate Income Tax Expense	230.3	—
Corporate Income Tax	230.3	—
Net Profit After Tax	1,072.6	-155.7
Net Profit Attributable to the Equity Holders of the Bank	1,072.6	-155.7
Earnings per Share	11,764.00	-1,998.00

Item	2025	2024
Balances with the State Bank of Vietnam	0.5	0.2
Placements at and Loans to Other Credit Institutions	2,630.1	1,463.1
Placements at Other Credit Institutions	2,630.1	1,463.1
Loans, Advances and Finance Leases to Customers	14,212.4	6,020.8
Loans, Advances and Finance Leases to Customers (Gross)	14,865.3	6,299.7
Provision for Losses on Loans, Advances and Finance Leases to Customers	-652.9	-278.8
Investment Securities	286.5	214.6
Available-for-sale Securities	286.5	90.0
Held-to-maturity Securities	—	169.2
Provision for Diminution in Value of Investment Securities	—	-44.6
Capital Contribution and Other Long-term Investments	4.1	6.0
Other Long-term Investments	14.5	14.5
Provision for Diminution in Value of Long-term Investments	-10.4	-8.5
Fixed Assets	13.7	23.5
Tangible Fixed Assets	7.0	9.6
Tangible Fixed Assets Cost	35.5	38.7
Accumulated Depreciation of Tangible Fixed Assets	-28.5	-29.1
Intangible Fixed Assets	6.7	13.8
Intangible Fixed Assets Cost	83.2	80.9
Accumulated Depreciation of Intangible Fixed Assets	-76.5	-67.1
Other Assets	494.5	435.0
Accounts Receivables	146.1	79.6
Interest and Fee Receivables	316.5	86.6
Other Assets (Miscellaneous)	34.0	284.2
Provision for Risks in Other Assets	-2.0	-15.5
Total Assets	17,641.7	8,163.1
Placements and Borrowings from Other Credit Institutions	6,298.3	3,805.0
Placements from Other Credit Institutions	2,670.0	3,062.0
Borrowings from Other Credit Institutions	3,628.3	743.0
Deposits from Customers	2,452.9	910.8
Valuable Papers Issued	6,032.6	2,301.1
Other Liabilities	859.0	220.1
Interest and Fee Payables	217.2	128.4
Other Liabilities (Miscellaneous)	641.8	91.7
Total Liabilities	15,642.9	7,236.9
Capital and Reserves	1,998.8	926.2
Capital	911.5	911.5
Charter Capital	911.8	911.8
Share Premium	-0.3	-0.3
Reserves	56.0	56.0
Undistributed Earnings after Tax/Accumulated Loss	1,031.3	-41.3
Total Liabilities and Equity	17,641.7	8,163.1

Item	2025	2024
Receipts from Interest and Similar Income	3,559.9	1,057.7
Payments for Interest and Similar Expenses	-402.0	-310.6
Receipts from Fee and Commission Income	-643.1	-13.0
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	2.6	0.7
Receipts from Other Income	-84.8	274.5
Receipts from Collection of Written-off Debts	42.9	25.3
Payments for Staff Costs and Operating Expenses	-427.0	-439.6
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	2,048.5	595.0
(Increase)/Decrease in Trading Securities and Investment Securities	-27.3	223.0
(Increase)/Decrease in Loans and Advances to Customers	-8,565.6	-1,678.3
(Decrease)/Increase in Provisions for Damages	-523.9	-876.9
(Increase)/Decrease in Other Operating Assets	171.9	142.1
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	2,493.3	1,335.0
Increase/(Decrease) in Deposits from Customers	1,542.2	438.7
Increase/(Decrease) in Valuable Papers Issued	3,731.5	-513.4
Increase/(Decrease) in Other Operating Liabilities	301.6	-2.9
Payments from Reserves	-3.5	-0.7
Net Cash Flows from Operating Activities	1,168.7	-338.5
Purchase of Fixed Assets	-2.5	-1.3
Receipts from Disposal of Fixed Assets	1.1	2.5
Net Cash Flows from Investing Activities	-1.4	1.2
Receipts from Equity Issue and Owner Capital Contribution	—	210.1
Dividends Paid and Profits Distributed to Owners	—	-0.8
Net Cash Flows from Financing Activities	—	209.3
Net Cash Flows during the Period	1,167.3	-128.1
Cash and Cash Equivalents at Beginning of the Period	1,463.3	1,591.3
Cash and Cash Equivalents at End of the Period	2,630.6	1,463.3

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Interest Income and Similar Income	1,771.2	1,500.8	1,063.7	727.2	501.8	268.8	243.6	253.4	303.9
Interest Expense and Similar Expenses	270.1	195.3	118.7	86.6	90.2	65.5	63.9	85.3	98.1
Net Interest Income	1,501.1	1,305.5	944.9	640.6	411.6	203.3	179.7	168.1	205.8
Fee and Commission Income	2.2	3.6	2.8	4.4	4.2	10.5	10.8	-45.1	70.9
Fee and Commission Expenses	315.6	254.3	196.9	130.5	79.6	28.3	12.7	11.7	6.5
Net Fee and Commission Income	-313.4	-250.7	-194.1	-126.1	-75.4	-17.8	-1.9	-56.8	64.3
Net Gain/(Loss) from Foreign Currencies and Gold Trading	0.0	-0.0	0.0	0.0	-0.0	0.0	-0.0	0.0	0.0
Net Gain/(Loss) from Trading Securities	0.5	1.7	0.2	0.5	—	0.7	—	0.1	-0.1
Net Gain/(Loss) from Investment Securities	-0.1	39.8	0.0	-0.1	—	0.0	-19.8	-0.1	-12.1
Other Income	9.0	31.7	8.8	20.4	12.1	150.8	103.1	20.8	96.9
Other Expenses	3.6	59.4	3.3	46.8	11.7	9.1	19.4	22.6	10.7
Net Other Income	5.4	-27.7	5.6	-26.4	0.4	141.6	83.7	-1.8	86.1
Operating Expenses	97.6	178.5	93.0	93.6	88.6	115.7	100.6	112.0	138.6
Operating Profit before Provision for Credit Losses	1,095.9	890.1	663.6	395.0	247.9	212.3	141.1	-2.6	205.5
Provision for Credit Losses	518.2	366.5	201.9	153.1	172.1	142.7	177.6	191.4	196.7
Profit Before Tax	577.7	523.5	461.8	241.9	75.8	69.6	-36.5	-193.9	8.8
Current Corporate Income Tax Expense	116.1	105.0	92.4	32.9	—	—	—	-1.7	1.7
Corporate Income Tax	116.1	105.0	92.4	32.9	—	—	—	-1.7	1.7
Net Profit After Tax	461.5	418.5	369.4	208.9	75.8	69.6	-36.5	-192.2	7.1
Net Profit Attributable to the Equity Holders of the Bank	461.5	418.5	369.4	208.9	75.8	69.6	-36.5	-192.2	7.1
Earnings per Share	5,062.00	4,590.00	4,051.00	2,292.00	832.00	763.00	-489.00	-2,740.00	101.00

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Cash, Gold and Precious Stones	—	—	—	—	—	—	—	0.1	—
Balances with the State Bank of Vietnam	0.6	0.5	0.4	0.3	0.2	0.2	0.2	—	0.0
Placements at and Loans to Other Credit Institutions	2,289.5	2,630.1	1,386.1	2,664.1	1,877.6	1,463.1	1,071.5	1,067.8	1,495.4
Placements at Other Credit Institutions	2,289.5	2,630.1	1,386.1	2,664.1	1,877.6	1,463.1	1,071.5	1,067.8	1,495.4
Trading Securities	—	—	393.0	50.4	—	—	—	—	—
Trading Securities (Gross)	—	—	393.0	50.4	—	—	—	—	—
Loans, Advances and Finance Leases to Customers	16,264.4	14,212.4	8,934.6	6,274.5	4,489.2	6,020.8	2,638.0	3,214.0	3,775.9
Loans, Advances and Finance Leases to Customers (Gross)	17,090.6	14,865.3	9,326.7	6,497.1	4,716.5	6,299.7	2,936.6	3,561.2	4,150.5
Provision for Losses on Loans, Advances and Finance Leases to Customers	-826.3	-652.9	-392.1	-222.6	-227.3	-278.8	-298.6	-347.2	-374.6
Investment Securities	336.3	286.5	390.7	124.6	214.6	214.6	313.8	245.1	385.6
Available-for-sale Securities	336.3	286.5	266.0	—	90.0	90.0	190.0	100.0	240.0
Held-to-maturity Securities	—	—	169.2	169.2	169.2	169.2	182.2	182.2	182.2
Provision for Diminution in Value of Investment Securities	—	—	-44.6	-44.6	-44.6	-44.6	-58.4	-37.1	-36.6
Capital Contribution and Other Long-term Investments	3.9	4.1	4.7	5.1	5.4	6.0	5.9	5.3	4.0
Other Long-term Investments	14.5	14.5	14.5	14.5	14.5	14.5	14.5	14.5	14.5
Provision for Diminution in Value of Long-term Investments	-10.6	-10.4	-9.8	-9.4	-9.1	-8.5	-8.6	-9.2	-10.5
Fixed Assets	11.8	13.7	12.8	15.6	19.2	23.5	27.8	32.6	37.3
Tangible Fixed Assets	6.1	7.0	7.6	8.2	8.9	9.6	10.4	11.7	12.8
Tangible Fixed Assets Cost	34.8	—	—	—	—	—	—	—	—
Accumulated Depreciation of Tangible Fixed Assets	-28.7	—	—	—	—	—	—	—	—
Intangible Fixed Assets	5.6	6.7	5.3	7.3	10.3	13.8	17.4	20.9	24.5
Intangible Fixed Assets Cost	83.2	—	—	—	—	—	—	—	—
Accumulated Depreciation of Intangible Fixed Assets	-77.5	—	—	—	—	—	—	—	—
Other Assets	589.9	494.5	495.2	401.0	412.5	435.0	432.8	485.1	619.0
Accounts Receivables	181.7	146.1	137.1	78.0	57.8	79.6	54.8	66.7	85.0
Interest and Fee Receivables	377.3	316.5	225.0	162.7	121.2	86.6	56.8	58.3	146.9
Other Assets (Miscellaneous)	33.7	34.0	148.4	175.7	248.9	284.2	322.3	361.3	394.3
Provision for Risks in Other Assets	-2.7	-2.0	-15.4	-15.4	-15.4	-15.5	-1.2	-1.2	-7.3
Total Assets	19,496.4	17,641.7	11,617.5	9,535.6	7,018.7	8,163.1	4,489.9	5,050.0	6,317.2
Placements and Borrowings from Other Credit Institutions	5,050.0	6,298.3	2,530.0	3,166.0	1,876.0	3,805.0	1,020.0	1,400.0	1,970.0
Placements from Other Credit Institutions	2,410.0	2,770.0	1,840.0	2,689.5	1,600.0	3,042.0	740.0	1,100.0	1,400.0
Borrowings from Other Credit Institutions	2,640.0	3,528.3	690.0	476.5	276.0	763.0	280.0	300.0	570.0
Deposits from Customers	2,062.0	2,452.9	2,840.4	2,128.2	1,609.9	910.8	469.1	672.3	442.4
Valuable Papers Issued	8,953.6	6,032.6	4,090.0	2,579.8	2,228.9	2,301.1	1,978.8	2,112.3	2,836.4
Other Liabilities	970.5	859.0	576.8	450.6	301.8	216.4	161.8	178.8	189.1
Interest and Fee Payables	347.4	217.2	148.5	114.6	119.2	124.7	107.8	103.9	121.0
Other Liabilities (Miscellaneous)	623.1	641.8	428.3	336.0	182.6	91.7	54.0	74.8	68.1
Total Liabilities	17,036.0	15,642.9	10,037.2	8,324.6	6,016.7	7,233.3	3,629.7	4,363.4	5,437.9
Capital and Reserves	2,460.4	1,998.8	1,580.3	1,211.0	1,002.0	929.8	860.2	686.6	879.3
Capital	911.5	911.5	911.5	911.5	911.5	911.5	911.5	701.4	701.4
Charter Capital	911.8	911.8	911.8	911.8	911.8	911.8	911.8	701.4	701.4
Share Premium	-0.3	-0.3	-0.3	-0.3	-0.3	-0.3	-0.3	—	—
Reserves	56.0	56.0	56.0	56.0	56.0	56.0	56.0	56.0	53.5
Undistributed Earnings after Tax/Accumulated Loss	1,492.9	1,031.3	612.8	243.5	34.5	-37.7	-107.3	-70.7	124.5
Total Liabilities and Equity	19,496.4	17,641.7	11,617.5	9,535.6	7,018.7	8,163.1	4,489.9	5,050.0	6,317.2

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Receipts from Interest and Similar Income	1,710.3	1,408.7	1,001.2	684.4	465.6	249.3	242.5	284.4	281.4
Payments for Interest and Similar Expenses	-139.9	-126.6	-84.8	-91.2	-99.4	-48.6	-60.1	-102.4	-99.6
Receipts from Fee and Commission Income	-313.4	-250.7	-193.9	-124.7	-73.8	-28.1	0.7	0.7	13.7
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	0.4	1.9	0.3	0.5	-0.0	0.8	-0.0	0.0	-0.1
Receipts from Other Income	1.6	-33.9	-11.4	-32.5	-6.9	127.7	73.0	-9.3	83.1
Receipts from Collection of Written-off Debts	5.6	18.1	7.7	11.7	5.4	6.9	7.9	7.4	3.0
Payments for Staff Costs and Operating Expenses	-123.9	-163.6	-90.6	-87.8	-85.1	-96.4	-96.9	-116.7	-129.6
Corporate Income Tax Paid	-226.9	—	—	—	—	—	—	—	—
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	913.9	853.9	628.4	360.3	205.9	211.6	167.1	64.2	152.0
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	—	—	—	—	—	—	110.0	—	—
(Increase)/Decrease in Trading Securities and Investment Securities	-49.8	541.8	-608.7	-1,543.5	1,583.1	-1,461.7	1,484.7	140.0	60.0
(Increase)/Decrease in Derivatives and Other Financial Assets	—	—	—	—	-223.6	—	-700.6	—	—
(Increase)/Decrease in Loans and Advances to Customers	-2,225.3	-5,538.6	-2,829.6	-256.5	59.1	-2,738.4	—	589.3	470.8
(Decrease)/Increase in Provisions for Damages	-344.9	-110.1	-32.4	-381.5	—	-401.0	—	-218.3	-257.6
(Increase)/Decrease in Other Operating Assets	-33.1	88.0	-21.9	105.7	—	20.7	52.6	53.1	15.7
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	-1,248.3	3,768.3	-636.0	1,290.0	-1,929.0	2,785.0	-380.0	-570.0	-500.0
Increase/(Decrease) in Deposits from Customers	-391.0	-387.5	712.2	518.3	699.2	441.7	-203.2	229.9	-29.7
Increase/(Decrease) in Valuable Papers Issued	2,921.0	1,942.6	1,510.2	350.9	-72.2	322.3	-133.5	-724.1	21.9
Increase/(Decrease) in Other Operating Liabilities	117.4	87.1	1.9	119.4	93.1	38.6	-20.8	7.7	-28.3
Payments from Reserves	-0.3	-0.2	-2.1	-0.1	-1.1	-0.2	—	—	-0.6
Net Cash Flows from Operating Activities	-340.4	1,245.4	-1,277.8	786.6	414.5	392.8	-207.9	-427.6	-95.9
Purchase of Fixed Assets	-0.0	-2.4	-0.1	—	—	0.0	-1.3	—	—
Receipts from Disposal of Fixed Assets	—	1.1	—	—	—	-0.3	2.8	0.0	0.0
Net Cash Flows from Investing Activities	-0.0	-1.3	-0.1	—	—	-0.3	1.5	0.0	0.0
Receipts from Equity Issue and Owner Capital Contribution	—	—	—	—	—	209.9	0.2	—	—
Dividends Paid and Profits Distributed to Owners	—	—	—	—	—	-0.8	—	—	—
Net Cash Flows from Financing Activities	—	—	—	—	—	209.1	0.2	—	—
Net Cash Flows during the Period	-340.5	1,244.1	-1,277.9	786.6	414.5	601.5	-206.2	-427.6	-95.9
Cash and Cash Equivalents at Beginning of the Period	2,630.6	1,386.5	2,664.4	1,877.8	1,463.3	861.7	1,067.9	1,495.5	1,591.3
Cash and Cash Equivalents at End of the Period	2,290.2	2,630.6	1,386.5	2,664.4	1,877.8	1,463.3	861.7	1,067.9	1,495.5

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TIN

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