{"product_id":"techcombank-bcg-matrix","title":"Vietnam Technological \u0026 Commercial Joint Stock Bank Boston Consulting Group Matrix","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUnlock Strategic Clarity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eVietcombank’s BCG Matrix preview highlights likely Stars in digital banking and corporate lending, Cash Cows from its established retail deposits, and potential Question Marks in new fintech partnerships—insights that hint at capital allocation priorities and growth levers.\u003c\/p\u003e\n\u003cp\u003eThis snapshot is just the start; purchase the full BCG Matrix for quadrant-by-quadrant placements, data-driven recommendations, and strategic actions tailored to Vietcombank’s competitive landscape.\u003c\/p\u003e\n\u003cp\u003eGet instant access to a downloadable Word report and Excel summary to present, decide, and execute with confidence—buy now for the complete analysis.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eS\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003etars\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking Platform\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBy end-2025 TCB Digital led Vietnam’s mobile banking with a 28% active-user market share among 18–34s, driving 42% of new retail deposits and 55% of digital account openings as the country shifts toward cashless payments.\u003c\/p\u003e\n\u003cp\u003eThe young, tech-savvy segment still grows at ~14% CAGR (2023–2025), keeping TCB Digital in the Stars quadrant as mobile-first interactions rise nationwide.\u003c\/p\u003e\n\u003cp\u003eHeavy, ongoing capex—~VND 1,200 billion in 2025 for cloud and cybersecurity—remains necessary, but the platform is the bank’s primary engine for acquisition, engagement, and lifetime value expansion.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOperated via TCBS (Techcom Securities), Techcombank captures ~40% retail brokerage market share and led 2024 bond distribution with VND 60 trillion placed, making Wealth Management a Star in the BCG matrix.\u003c\/p\u003e\n\u003cp\u003eVietnam’s middle class grew to ~33% of households in 2024, pushing demand for mutual funds and structured products up 28% YoY, boosting TCBS sales and AUM growth.\u003c\/p\u003e\n\u003cp\u003eThe unit leads with digital wealth tools—over 1.8 million active users on TCInvest in 2024—but needs heavy capex and R\u0026amp;D to fend off fintechs and sustain growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit Card and Consumer Finance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eTechcombank has grown its credit card base to over 2.3 million cards by end-2024, using analytics to raise spend per card and target affluent retail customers with personalized rewards.\u003c\/p\u003e\n\u003cp\u003eVietnam consumer credit expanded ~12–15% YoY in 2024; Techcombank’s top market share in the affluent segment makes Credit Card and Consumer Finance a BCG Star with high growth and strong share.\u003c\/p\u003e\n\u003cp\u003eDefending this position needs sustained marketing (Techcombank spent ~VND 1.2 trillion on marketing in 2024) and loyalty programs to counter VietinBank, BIDV, and foreign entrants.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMortgage Lending Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAs a leader in Vietnam’s primary mortgage market, Techcombank (Vietnam Technological \u0026amp; Commercial JSC Bank) holds ~22% market share of new home loans in 2024 via exclusive partnerships with top developers like Vingroup and Novaland, securing high-volume originations.\u003c\/p\u003e\n\u003cp\u003eUrbanization (annual urban population growth ~2.2% through 2025) and a housing finance CAGR of ~9% (2022–2025E) support steady loan growth and demand in this segment.\u003c\/p\u003e\n\u003cp\u003eTechcombank invests in digital-first appraisal and automated approval—reducing approval time to ~3 days in 2024—to preserve leadership in this high-demand category.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~22% market share (2024)\u003c\/li\u003e\n\u003cli\u003eUrban population growth ~2.2% (to 2025)\u003c\/li\u003e\n\u003cli\u003eHousing finance CAGR ~9% (2022–2025E)\u003c\/li\u003e\n\u003cli\u003eAverage approval time ~3 days (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEcosystem-led Corporate Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBy mapping Ecosystem-led Corporate Banking for Vietnam Technological \u0026amp; Commercial Joint Stock Bank (Techcombank) into the BCG Stars quadrant: Techcombank holds ~28% market share in FMCG and ~22% in utilities corporate banking (2024 internal data), capturing full value-chain fees from treasury, payments, and trade finance, making this a high-growth, high-share segment.\u003c\/p\u003e\n\u003cp\u003eTo remain a Star, Techcombank must keep investing in bespoke API integrations and supply-chain finance tech; expected revenue CAGR 18%–25% through 2027 if platform uptime hits 99.9% and transaction volume scales 30% year-over-year.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHigh share: FMCG ~28%, utilities ~22% (2024)\u003c\/li\u003e\n\u003cli\u003eGrowth: projected revenue CAGR 18%–25% to 2027\u003c\/li\u003e\n\u003cli\u003eInvest: API integrations, supply-chain finance platforms\u003c\/li\u003e\n\u003cli\u003eTarget metrics: 99.9% uptime, +30% txn volume YoY\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechcombank: Market-Leading Digital, Wealth, Cards, Mortgages \u0026amp; FMCG Corporate Growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eTechcombank Stars: digital banking, wealth (TCBS), cards, mortgages, and ecosystem corporate banking each hold high market share and strong growth—key metrics: mobile banking 28% (18–34s, 2025), TCBS AUM +28% YoY (2024), cards 2.3m (2024), mortgages 22% new-loan share (2024), corporate FMCG 28% (2024); capex\/marketing ~VND 1.2–1,200bn (2024–25).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eShare\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile banking\u003c\/td\u003e\n\u003ctd\u003e28%\u003c\/td\u003e\n\u003ctd\u003e42% new retail deposits (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth (TCBS)\u003c\/td\u003e\n\u003ctd\u003e40% brokerage\u003c\/td\u003e\n\u003ctd\u003eVND 60tr bond sales (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCards\u003c\/td\u003e\n\u003ctd\u003e—\u003c\/td\u003e\n\u003ctd\u003e2.3m cards (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMortgages\u003c\/td\u003e\n\u003ctd\u003e22%\u003c\/td\u003e\n\u003ctd\u003e3-day approval (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate (FMCG)\u003c\/td\u003e\n\u003ctd\u003e28%\u003c\/td\u003e\n\u003ctd\u003eRevenue CAGR 18–25% to 2027\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eBCG Matrix overview of VTB: concise quadrant-by-quadrant strategic guidance—which units are Stars, Cash Cows, Question Marks, Dogs, with invest\/hold\/divest recommendations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eOne-page BCG Matrix placing Techcombank units in quadrants for quick strategic clarity and decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eash Cows\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCASA Deposit Base\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eTechcombank posts a CASA (current account and savings account) ratio above 40% as of FY2024, among the highest in Vietnam, giving a low-cost funding base that lowered blended deposit costs by ~120 basis points vs peers.\u003c\/p\u003e\n\u003cp\u003eThis mature segment yields dominant market share—Techcombank held ~16% of CASA balances in retail banking in 2024—producing strong, recurring cash flow with little extra investment.\u003c\/p\u003e\n\u003cp\u003eThese low-cost deposits support a high net interest margin (NIM 3.9% in 2024) and finance growth across retail and corporate units, enabling asset expansion without expensive wholesale funding.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Corporate Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietcombank’s large corporate lending to top-tier Vietnamese conglomerates holds high market share in a mature credit market; as of FY2025 the bank reported corporate loan book ~VND 350 trillion, with top 50 groups ~28% of that, showing stable share and low incremental growth.\u003c\/p\u003e\n\u003cp\u003eInterest income from this segment remained steady: FY2025 net interest income contribution ~45% of total NII, margin steady near 2.6pp, and operating spend on promotion minimal, keeping ROA uplifted.\u003c\/p\u003e\n\u003cp\u003eThis cash-generating book underpins liquidity—December 2025 liquidity coverage ratio (LCR) ~125%—and supports dividends; Vietcombank paid 2025 dividend ~12% in cash\/equity mix funded partly by corporate loan cash flows.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTraditional Retail Savings\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStandard term deposits remain a staple of Techcombank’s portfolio, serving a loyal, mature client base that values security and fixed returns; as of 2024 term deposits made up ~38% of customer deposits (SBV data) and deposit growth in retail savings slowed to 3.2% YoY vs. 18% for digital channels.\u003c\/p\u003e\n\u003cp\u003eMarket growth for traditional savings is low, but Techcombank’s strong brand and nationwide branch network sustained a steady inflow of capital—retail CASA was 22% in 2024, supporting funding stability.\u003c\/p\u003e\n\u003cp\u003eInfrastructure for branch-based savings is largely fully depreciated, so net interest margin on these term deposits is high; Techcombank reported NIM of 3.6% in 2024, with term-deposit spreads contributing materially to 2024 pre-provision profit.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBancassurance Distribution\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThrough long-term exclusive partnerships, Vietnam Technological \u0026amp; Commercial Joint Stock Bank (Techcombank) commands ~28% bancassurance market share in Vietnam life-product distribution as of FY2024, driving recurring fee income of ~VND 1,150 billion in 2024 and low-cost cross-sell to its 10.5 million customers.\u003c\/p\u003e\n\u003cp\u003eThe channel is mature but still profitable: bancassurance product sales slowed to 3% YoY in 2024, yet persistently high margins mean the unit needs minimal incremental capital and functions as a passive cash cow for Techcombank.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~28% market share (FY2024)\u003c\/li\u003e\n\u003cli\u003eVND 1,150 billion fee income (2024)\u003c\/li\u003e\n\u003cli\u003e10.5 million customers\u003c\/li\u003e\n\u003cli\u003e3% YoY sales growth (2024)\u003c\/li\u003e\n\u003cli\u003eLow capex, high margin\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTransaction Banking and Treasury\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eTransaction Banking and Treasury are cash cows for Techcombank: mature treasury ops and FX services deliver steady, low-growth revenue, generating about VND 3.2 trillion in fee income in 2024 and ~18% of non-interest income.\u003c\/p\u003e\n\u003cp\u003eTechcombank holds a leading share in Vietnam trade finance and FX corridors—estimated 22% market share in corporate FX flows in 2024—benefiting from established global correspondent networks.\u003c\/p\u003e\n\u003cp\u003eThese services embed into client workflows, driving high retention and predictable cash flow with limited need for aggressive expansion; treasury client churn below 6% annually in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~VND 3.2T fee income (2024)\u003c\/li\u003e\n\u003cli\u003e~18% of non-interest income\u003c\/li\u003e\n\u003cli\u003e~22% FX\/corporate trade share (2024)\u003c\/li\u003e\n\u003cli\u003eTreasury churn \u0026lt;6% (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechcombank’s cash cows: high CASA, bancassurance \u0026amp; low-cost funding powering NIMs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eTechcombank’s cash cows—high CASA (\u0026gt;40% FY2024), large term deposits (38% deposits FY2024) and bancassurance (28% market share, VND1,150bn fees 2024)—drive low-cost funding, NIM ~3.6–3.9% (2024) and stable fee income (treasury\/txn fees VND3.2T, 18% non-interest income), supporting LCR ~125% and dividend capacity.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCASA\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;40% (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTerm deposits\u003c\/td\u003e\n\u003ctd\u003e38% deposits (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM\u003c\/td\u003e\n\u003ctd\u003e3.6–3.9% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBancassurance\u003c\/td\u003e\n\u003ctd\u003e28%, VND1,150bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTreasury fees\u003c\/td\u003e\n\u003ctd\u003eVND3.2T (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLCR\u003c\/td\u003e\n\u003ctd\u003e~125% (Dec 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview = Final Product\u003c\/span\u003e\u003cbr\u003eVietnam Technological \u0026amp; Commercial Joint Stock Bank BCG Matrix\u003c\/h2\u003e\n\u003cp\u003eThe file you're previewing is the exact Vietnam Technological \u0026amp; Commercial Joint Stock Bank BCG Matrix report you'll receive after purchase—no watermarks, no demo pages, just the final, fully formatted analysis ready for presentation. 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