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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.Q2 2025 earnings summary28 Jul, 2025
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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Next Asia Commercial Joint Stock Bank earnings date
Q3 202531 Oct, 2025
Next Asia Commercial Joint Stock Bank earnings date
Q3 202531 Oct, 2025
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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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