Asia Commercial Joint Stock Bank (HOSE: ACB)

ACB Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	94,189,092	117,331,034	89,852,697	49,851,147	29,405,273	25,258,607
Investment Securities	104,761,673	70,247,973	68,491,350	61,018,489	51,681,085	47,840,975
Trading Asset Securities	7,233,740	7,177,069	1,231,399	11,486,276	6,222,390	3,073,015
Total Investments	111,995,413	77,425,042	69,722,749	72,504,765	57,903,475	50,913,990
Gross Loans	554,958,474	487,881,781	417,388,795	368,018,084	319,839,118	279,751,858
Allowance for Loan Losses	-6,711,050	-5,416,952	-4,899,736	-5,861,588	-2,950,364	-2,535,689
Net Loans	548,247,424	482,464,829	412,489,059	362,156,496	316,888,754	277,216,169
Property, Plant & Equipment	3,084,190	4,492,542	3,434,358	3,164,617	2,862,572	2,825,325
Other Intangible Assets	1,558,796	1,444,993	1,131,644	1,077,478	1,065,838	1,049,119
Investments in Real Estate	177,005	177,005	177,005	216,027	348,778	361,676
Accrued Interest Receivable	3,926,736	4,083,884	3,893,383	2,991,916	2,681,386	3,676,311
Other Receivables	4,463,442	2,794,830	3,082,671	2,040,265	2,393,464	1,035,243
Restricted Cash	8,392,393	18,504,814	13,657,531	32,349,574	16,616,798	10,420,306
Other Current Assets	-	2,306,989	2,084,160	1,220,566	1,490,784	1,899,971
Long-Term Deferred Tax Assets	57,098	33,722	63,966	44,370	50,724	23,041
Other Real Estate Owned & Foreclosed	-	11,500	11,500	62,541	51,041	56,398
Other Long-Term Assets	1,301,333	7,723,405	8,274,462	90,182	12,771,217	8,778,283
Total Assets	777,392,922	718,794,589	607,875,185	527,769,944	444,530,104	383,514,439
Accounts Payable	1,735,602	1,491,719	1,700,580	1,367,481	1,451,095	1,058,690
Accrued Expenses	2,405,881	2,453,096	2,232,670	1,507,151	1,357,199	1,352,050
Interest Bearing Deposits	460,280,890	459,379,930	383,769,102	326,923,178	296,360,651	269,489,891
Non-Interest Bearing Deposits	111,451,019	104,042,362	90,188,085	94,378,062	74,116,418	56,113,066
Total Deposits	571,731,909	563,422,292	473,957,187	421,301,240	370,477,069	325,602,957
Short-Term Borrowings	-	117,126	504,210	-	171,000	501,000
Current Portion of Long-Term Debt	49,726,423	31,109,967	14,567,952	5,473,817	7,993,248	32,280
Current Income Taxes Payable	-	2,293,886	2,303,901	438,405	331,685	24,863
Accrued Interest Payable	-	7,682,185	5,564,271	4,637,581	5,097,042	4,362,770
Other Current Liabilities	11,960,107	2,326,678	3,603,149	2,034,834	1,605,547	584,539
Long-Term Debt	54,601,885	30,128,770	37,634,711	38,173,500	20,596,165	22,228,709
Long-Term Deferred Tax Liabilities	-	-	-	-	67	-
Total Liabilities	698,538,661	647,838,628	549,436,522	482,869,035	409,081,941	355,749,080
Common Stock	44,666,579	38,840,504	33,774,351	27,019,481	21,615,585	16,627,373
Additional Paid-In Capital	271,779	271,779	271,779	271,779	271,779	271,779
Retained Earnings	33,977,835	31,843,557	24,392,412	17,609,528	13,560,678	10,627,216
Treasury Stock	-	-	-	-	-	-99,981
Comprehensive Income & Other	-61,932	121	121	121	121	338,972
Shareholders' Equity	78,854,261	70,955,961	58,438,663	44,900,909	35,448,163	27,765,359
Total Liabilities & Equity	777,392,922	718,794,589	607,875,185	527,769,944	444,530,104	383,514,439
Total Debt	104,328,308	61,355,863	52,706,873	43,647,317	28,760,413	22,761,989
Net Cash (Debt)	866,381	67,374,508	39,324,180	19,062,066	7,741,011	6,039,120
Net Cash Growth	-98.21%	71.33%	106.30%	146.25%	28.18%	19.76%
Net Cash Per Share	190.93	15083.87	8803.94	4267.64	1734.05	1374.52
Filing Date Shares Outstanding	4,467	4,467	4,467	4,467	4,467	4,450
Total Common Shares Outstanding	4,467	4,467	4,467	4,467	4,467	4,450
Book Value Per Share	17653.97	15885.69	13083.31	10052.46	7936.17	6239.49
Tangible Book Value	77,295,465	69,510,968	57,307,019	43,823,431	34,382,325	26,716,240
Tangible Book Value Per Share	17304.99	15562.19	12829.95	9811.24	7697.55	6003.73

Source: S&P Capital IQ. Banks template. Financial Sources.