Asia Commercial Joint Stock Bank (ACB) Q3 2025 earnings summary

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.