HOSE:ACB Balance Sheet

Financials in millions VND. Fiscal year is January - December.

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	146,638,834	113,604,855	117,331,034	89,852,697	49,851,147
Investment Securities	156,215,210	114,045,307	70,247,973	68,491,350	61,018,489
Trading Asset Securities	6,869,180	3,937,143	7,177,069	1,231,399	11,486,276
Total Investments	163,084,390	117,982,450	77,425,042	69,722,749	72,504,765
Gross Loans	686,777,352	580,837,227	487,881,781	417,388,795	368,018,084
Allowance for Loan Losses	-7,624,729	-6,789,556	-5,416,952	-4,899,736	-5,861,588
Net Loans	679,152,623	574,047,671	482,464,829	412,489,059	362,156,496
Property, Plant & Equipment	3,200,487	3,962,882	4,492,542	3,434,358	3,164,617
Other Intangible Assets	2,238,063	2,190,172	1,444,993	1,131,644	1,077,478
Investments in Real Estate	149,673	177,005	177,005	177,005	216,027
Accrued Interest Receivable	6,819,629	4,775,988	4,083,884	3,893,383	2,991,916
Other Receivables	6,559,858	2,556,238	2,794,830	3,082,671	2,040,265
Restricted Cash	16,574,958	25,219,753	18,504,814	13,657,531	32,349,574
Other Current Assets	-	2,309,371	2,306,989	2,084,160	1,220,566
Long-Term Deferred Tax Assets	17,263	17,318	33,722	63,966	44,370
Other Real Estate Owned & Foreclosed	-	-	11,500	11,500	62,541
Other Long-Term Assets	1,414,349	17,162,000	7,723,405	8,274,462	90,182
Total Assets	1,025,850,127	864,005,703	718,794,589	607,875,185	527,769,944
Accounts Payable	941,203	1,280,584	1,491,719	1,700,580	1,367,481
Accrued Expenses	2,569,655	2,525,548	2,453,096	2,232,670	1,507,151
Interest Bearing Deposits	576,841,652	510,598,446	459,379,930	383,769,102	326,923,178
Non-Interest Bearing Deposits	129,652,664	118,286,590	104,042,362	90,188,085	94,378,062
Total Deposits	706,494,316	628,885,036	563,422,292	473,957,187	421,301,240
Short-Term Borrowings	32,976,139	7,948,357	117,126	504,210	-
Current Portion of Long-Term Debt	82,157,945	73,958,937	31,109,967	14,567,952	5,473,817
Current Income Taxes Payable	1,963,800	2,385,237	2,293,886	2,303,901	438,405
Accrued Interest Payable	8,969,078	7,045,361	7,682,185	5,564,271	4,637,581
Other Current Liabilities	4,749,696	2,542,325	2,326,678	3,603,149	2,034,834
Long-Term Debt	84,840,954	47,737,223	30,128,770	37,634,711	38,173,500
Total Liabilities	931,330,408	780,544,025	647,838,628	549,436,522	482,869,035
Common Stock	51,366,566	44,666,579	38,840,504	33,774,351	27,019,481
Additional Paid-In Capital	271,779	271,779	271,779	271,779	271,779
Retained Earnings	42,393,448	38,523,199	31,843,557	24,392,412	17,609,528
Comprehensive Income & Other	487,926	121	121	121	121
Shareholders' Equity	94,519,719	83,461,678	70,955,961	58,438,663	44,900,909
Total Liabilities & Equity	1,025,850,127	864,005,703	718,794,589	607,875,185	527,769,944
Total Debt	199,975,038	129,644,517	61,355,863	52,706,873	43,647,317
Net Cash (Debt)	-34,490,629	-2,229,645	67,374,508	39,324,180	19,062,066
Net Cash Growth	-	-	71.33%	106.30%	146.25%
Net Cash Per Share	-6670.89	-434.07	13116.41	7655.60	3710.99
Filing Date Shares Outstanding	5,137	5,137	5,137	5,137	5,137
Total Common Shares Outstanding	5,137	5,137	5,137	5,137	5,137
Book Value Per Share	18401.02	16248.25	13813.65	11376.79	8741.27
Tangible Book Value	92,281,656	81,271,506	69,510,968	57,307,019	43,823,431
Tangible Book Value Per Share	17965.32	15821.87	13532.34	11156.48	8531.51

Source: S&P Global Market Intelligence. Banks template. Financial Sources.