Asia Commercial Joint Stock Bank (HOSE:ACB)

HOSE:ACB Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	110,705,956	146,638,834	113,604,855	117,331,034	89,852,697	49,851,147
Investment Securities	178,845,660	107,194,516	113,041,769	70,247,973	68,491,350	61,018,489
Trading Asset Securities	5,877,021	6,869,180	3,937,143	7,177,069	1,231,399	11,486,276
Total Investments	184,722,681	114,063,696	116,978,912	77,425,042	69,722,749	72,504,765
Gross Loans	752,152,143	686,777,352	580,837,227	487,881,781	417,388,795	368,018,084
Allowance for Loan Losses	-8,065,344	-7,624,729	-6,789,556	-5,416,952	-4,899,736	-5,861,588
Net Loans	744,086,799	679,152,623	574,047,671	482,464,829	412,489,059	362,156,496
Property, Plant & Equipment	3,410,641	4,007,017	3,962,882	4,492,542	3,434,358	3,164,617
Other Intangible Assets	2,288,282	2,238,063	2,190,172	1,444,993	1,131,644	1,077,478
Investments in Real Estate	171,692	149,673	177,005	177,005	177,005	216,027
Accrued Interest Receivable	7,769,205	6,819,629	4,954,367	4,282,669	3,893,383	2,991,916
Other Receivables	-	9,106	10,757	2,794,830	3,082,671	2,040,265
Restricted Cash	5,827,087	16,574,958	25,219,753	18,504,814	13,657,531	32,349,574
Other Current Assets	-	6,741,380	4,356,810	2,108,204	2,084,160	1,220,566
Long-Term Deferred Tax Assets	45,661	17,263	17,318	33,722	63,966	44,370
Other Real Estate Owned & Foreclosed	-	1,230	-	11,500	11,500	62,541
Other Long-Term Assets	8,817,071	49,436,655	18,485,201	7,723,405	8,274,462	90,182
Total Assets	1,067,845,075	1,025,850,127	864,005,703	718,794,589	607,875,185	527,769,944

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	-	-	1,491,719	1,700,580	1,367,481
Accrued Expenses	-	2,569,654	2,525,548	2,453,096	2,232,670	1,507,151
Interest Bearing Deposits	558,663,735	576,841,652	510,598,446	459,379,930	383,769,102	326,923,178
Non-Interest Bearing Deposits	123,041,643	129,671,422	118,286,590	104,042,362	90,188,085	94,378,062
Total Deposits	681,705,378	706,513,074	628,885,036	563,422,292	473,957,187	421,301,240
Short-Term Borrowings	20,988,099	32,957,381	7,948,357	117,126	504,210	-
Current Portion of Long-Term Debt	159,944,689	85,656,737	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	12,291,466	8,969,078	7,045,361	7,682,185	5,564,271	4,637,581
Other Current Liabilities	-	1,176,180	596,566	2,326,678	3,603,149	2,034,834
Long-Term Debt	82,372,069	81,342,162	47,737,223	30,128,770	37,634,711	38,173,500
Long-Term Unearned Revenue	-	5,667,622	6,235,417	-	-	-
Other Long-Term Liabilities	11,228,856	4,514,720	3,226,343	-	-	-
Total Liabilities	968,530,557	931,330,408	780,544,025	647,838,628	549,436,522	482,869,035

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	51,366,566	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	271,779
Retained Earnings	40,633,000	42,881,253	38,523,199	31,843,557	24,392,412	17,609,528
Comprehensive Income & Other	7,043,173	121	121	121	121	121
Shareholders' Equity	99,314,518	94,519,719	83,461,678	70,955,961	58,438,663	44,900,909
Total Liabilities & Equity	1,067,845,075	1,025,850,127	864,005,703	718,794,589	607,875,185	527,769,944

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	263,304,857	199,956,280	129,644,517	61,355,863	52,706,873	43,647,317
Net Cash (Debt)	-134,227,700	-34,471,871	-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	-23132.28	-5938.90	-384.13	11607.44	6774.87	3284.06
Filing Date Shares Outstanding	5,804	5,804	5,804	5,804	5,804	5,804
Total Common Shares Outstanding	5,804	5,804	5,804	5,804	5,804	5,804
Book Value Per Share	17110.15	16284.09	14378.98	12224.47	10067.96	7735.64
Tangible Book Value	97,026,236	92,281,656	81,271,506	69,510,968	57,307,019	43,823,431
Tangible Book Value Per Share	16715.92	15898.51	14001.65	11975.52	9872.99	7550.01

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 27, 2026

Data Sources Report a data error