Asia Commercial Joint Stock Bank (HOSE:ACB)

HOSE:ACB Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	121,815,096	113,604,855	117,331,034	89,852,697	49,851,147	29,405,273
Investment Securities	143,495,115	114,045,307	70,247,973	68,491,350	61,018,489	51,681,085
Trading Asset Securities	4,307,534	3,937,143	7,177,069	1,231,399	11,486,276	6,222,390
Total Investments	147,802,649	117,982,450	77,425,042	69,722,749	72,504,765	57,903,475
Gross Loans	598,805,866	580,837,227	487,881,781	417,388,795	368,018,084	319,839,118
Allowance for Loan Losses	-6,375,105	-6,789,556	-5,416,952	-4,899,736	-5,861,588	-2,950,364
Net Loans	592,430,761	574,047,671	482,464,829	412,489,059	362,156,496	316,888,754
Property, Plant & Equipment	3,148,991	3,962,882	4,492,542	3,434,358	3,164,617	2,862,572
Other Intangible Assets	2,162,952	2,190,172	1,444,993	1,131,644	1,077,478	1,065,838
Investments in Real Estate	177,005	177,005	177,005	177,005	216,027	348,778
Accrued Interest Receivable	5,755,801	4,775,988	4,083,884	3,893,383	2,991,916	2,681,386
Other Receivables	3,769,355	2,556,238	2,794,830	3,082,671	2,040,265	2,393,464
Restricted Cash	13,457,514	25,219,753	18,504,814	13,657,531	32,349,574	16,616,798
Other Current Assets	-	2,309,371	2,306,989	2,084,160	1,220,566	1,490,784
Long-Term Deferred Tax Assets	57,527	17,318	33,722	63,966	44,370	50,724
Other Real Estate Owned & Foreclosed	-	-	11,500	11,500	62,541	51,041
Other Long-Term Assets	1,096,912	17,162,000	7,723,405	8,274,462	90,182	12,771,217
Total Assets	891,674,563	864,005,703	718,794,589	607,875,185	527,769,944	444,530,104
Accounts Payable	1,108,021	1,280,584	1,491,719	1,700,580	1,367,481	1,451,095
Accrued Expenses	2,265,679	2,525,548	2,453,096	2,232,670	1,507,151	1,357,199
Interest Bearing Deposits	507,521,502	510,598,446	459,379,930	383,769,102	326,923,178	296,360,651
Non-Interest Bearing Deposits	114,482,861	118,286,590	104,042,362	90,188,085	94,378,062	74,116,418
Total Deposits	622,004,363	628,885,036	563,422,292	473,957,187	421,301,240	370,477,069
Short-Term Borrowings	18,814,625	7,948,357	117,126	504,210	-	171,000
Current Portion of Long-Term Debt	84,758,869	73,958,937	31,109,967	14,567,952	5,473,817	7,993,248
Current Income Taxes Payable	-	2,385,237	2,293,886	2,303,901	438,405	331,685
Accrued Interest Payable	7,904,161	7,045,361	7,682,185	5,564,271	4,637,581	5,097,042
Other Current Liabilities	2,676,341	2,542,325	2,326,678	3,603,149	2,034,834	1,605,547
Long-Term Debt	58,974,400	47,737,223	30,128,770	37,634,711	38,173,500	20,596,165
Long-Term Deferred Tax Liabilities	-	-	-	-	-	67
Total Liabilities	804,599,986	780,544,025	647,838,628	549,436,522	482,869,035	409,081,941
Common Stock	44,666,579	44,666,579	38,840,504	33,774,351	27,019,481	21,615,585
Additional Paid-In Capital	271,779	271,779	271,779	271,779	271,779	271,779
Retained Earnings	42,201,465	38,523,199	31,843,557	24,392,412	17,609,528	13,560,678
Comprehensive Income & Other	-65,246	121	121	121	121	121
Shareholders' Equity	87,074,577	83,461,678	70,955,961	58,438,663	44,900,909	35,448,163
Total Liabilities & Equity	891,674,563	864,005,703	718,794,589	607,875,185	527,769,944	444,530,104
Total Debt	162,547,894	129,644,517	61,355,863	52,706,873	43,647,317	28,760,413
Net Cash (Debt)	-23,035,226	-2,229,645	67,374,508	39,324,180	19,062,066	7,741,011
Net Cash Growth	-	-	71.33%	106.30%	146.25%	28.18%
Net Cash Per Share	-5156.89	-499.18	15083.87	8803.94	4267.64	1734.05
Filing Date Shares Outstanding	4,467	4,467	4,467	4,467	4,467	4,467
Total Common Shares Outstanding	4,467	4,467	4,467	4,467	4,467	4,467
Book Value Per Share	19494.35	18685.49	15885.69	13083.31	10052.46	7936.17
Tangible Book Value	84,911,625	81,271,506	69,510,968	57,307,019	43,823,431	34,382,325
Tangible Book Value Per Share	19010.10	18195.15	15562.19	12829.95	9811.24	7697.55

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