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Asia Commercial Joint Stock Bank (ACB) investor relations material
Asia Commercial Joint Stock Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Total assets reached 948,549,176 million VND as of September 30, 2025, up from 864,005,703 million VND at year-end 2024.
Customer loans increased to 669,188,125 million VND, with customer deposits at 571,028,953 million VND.
Pre-tax profit for the first nine months was 16,071,749 million VND, up from 15,334,600 million VND year-over-year.
Net profit after tax for the period was 12,840,014 million VND, compared to 12,244,404 million VND in the same period last year.
Financial highlights
Net interest income for the first nine months reached 19,812,423 million VND, slightly down from 20,714,411 million VND year-over-year.
Net fee and commission income was 2,252,469 million VND, down from 2,369,960 million VND year-over-year.
Net gain from trading securities was 427,755 million VND, up from 226,447 million VND year-over-year.
Operating expenses totaled 8,141,985 million VND, nearly unchanged from 8,163,253 million VND year-over-year.
Credit risk provision expense was 3,250,753 million VND, up from 3,113,572 million VND year-over-year.
Outlook and guidance
The bank continues to focus on risk management and compliance with regulatory changes, including new circulars and decrees on loan classification and provisioning.
Ongoing digital transformation and expansion of service offerings are expected to support future growth.
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Next Asia Commercial Joint Stock Bank earnings date
Q4 202522 Jan, 2026
Next Asia Commercial Joint Stock Bank earnings date
Q4 202522 Jan, 2026
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Frequently asked questions
Asia Commercial Joint Stock Bank (ACB) is a prominent commercial banking institution in Vietnam. It provides a comprehensive range of banking and financial services, including retail and business banking solutions. The bank's product offerings encompass accounts and deposit services such as current, savings, term, and foreign currency deposits; a variety of credit, debit, and prepaid cards; bancassurance; and loans catering to personal needs, working capital, mortgages, project funding, and other business financing requirements. The company is headquartered in Ho Chi Minh City, Vietnam, and its shares are listed on the Ho Chi Minh Stock Exchange.
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