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Asia Commercial Joint Stock Bank
Asia Commercial Joint Stock Bank (ACB) investor relations material
Asia Commercial Joint Stock Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Jan, 2026
Executive summary
Achieved robust credit growth of 18.6% year-over-year, with total lending reaching VND 689 trillion and deposits up 12.4% to VND 718 trillion in FY2025.
Total assets reached VND 1,025,850,127 million as of 31 December 2025, up from VND 864,005,703 million year-over-year.
Profit before tax (PBT) was VND 19.5 trillion, down 7% year-over-year, reaching 85% of the annual target, mainly due to higher provisioning.
Maintained best-in-class asset quality with NPL ratio at 0.97% and loan loss reserve (LLR) at 114%.
Continued digital transformation and ESG initiatives, with significant growth in e-banking transactions and sustainable finance packages.
Financial highlights
Total assets surpassed VND 1 quadrillion, reflecting an 18% CAGR from 2021 to 2025.
Net interest income (NII) declined 3% year-over-year, but non-interest income (NFI) grew 21%, supporting total revenue growth of 1%.
Cost-to-income ratio (CIR) improved to 32.3%, with revenue growth outpacing cost growth.
Capital adequacy ratio (CAR) stood at 12%, above regulatory requirements, with transition to Circular 14 expected to further strengthen capital buffers.
Interest and similar income for 2025 was VND 58,755,829 million, up from VND 50,902,749 million year-over-year.
Outlook and guidance
FY2026 forecast includes credit growth within 16-18%, service fee income up 25%, CIR between 35-36%, NPL ratio below 1.2%, and CAR at or above 12%.
The bank continues to focus on risk management, credit quality, and compliance with regulatory requirements.
Reason for 2025 credit loss expense surge?
Why did FX commitments decrease in 2025?
Implications of negative short-term interest gap?
Partial view of Summaries dataset, powered by Quartr API
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Next Asia Commercial Joint Stock Bank earnings date
Q1 202621 Apr, 2026
Asia Commercial Joint Stock Bank
Next Asia Commercial Joint Stock Bank earnings date
Q1 202621 Apr, 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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