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Asia Commercial Joint Stock Bank (ACB) investor relations material
Asia Commercial Joint Stock Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Maintained leading retail banking position in Vietnam with 3.61% retail lending market share and 3.64% in retail deposits.
Total assets reached 933,541,420 million VND as of June 30, 2025, up from 864,005,703 million VND at year-end 2024.
Customer loans increased to 633,748,683 million VND, with customer deposits at 567,406,860 million VND.
Net profit after tax for H1 2025 was 8,559,425 million VND, up slightly year-over-year.
Digital transformation and ESG initiatives recognized with multiple awards and industry leadership.
Financial highlights
1H25 consolidated profit before tax reached 10.7 trillion VND, 46% of annual target, with ROE at 20.6% (up 2% YoY).
Lending grew 9.1% and deposits 5.6% vs 2024; CASA at 128 trillion VND, up 2.4%.
Net interest income for H1 2025 was 13,042,713 million VND, down from 13,833,024 million VND year-over-year.
CIR at 31.5% (down 0.5% YoY), NPL at 1.26% (down 0.23%), among the lowest in the sector.
Q2 PBT improved 33% YoY, driven by NFI growth and cost optimization.
Outlook and guidance
FY25 guidance: credit growth 16–18%, deposit growth 14–15% vs 2024.
NPL ratio targeted below 1.3%, ROE to remain high (~20%), CIR to improve to 33%.
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