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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	99,807,820	146,638,834	113,604,855	117,331,034	89,852,697	49,851,147
Investment Securities	194,827,857	107,194,516	113,041,769	70,247,973	68,491,350	61,018,489
Trading Asset Securities	6,423,816	6,869,180	3,937,143	7,177,069	1,231,399	11,486,276
Total Investments	201,251,673	114,063,696	116,978,912	77,425,042	69,722,749	72,504,765
Gross Loans	770,114,415	686,777,352	580,837,227	487,881,781	417,388,795	368,018,084
Allowance for Loan Losses	-8,270,552	-7,624,729	-6,789,556	-5,416,952	-4,899,736	-5,861,588
Net Loans	761,843,863	679,152,623	574,047,671	482,464,829	412,489,059	362,156,496
Property, Plant & Equipment	3,909,906	4,007,017	3,962,882	4,492,542	3,434,358	3,164,617
Other Intangible Assets	2,592,944	2,238,063	2,190,172	1,444,993	1,131,644	1,077,478
Investments in Real Estate	281,315	149,673	177,005	177,005	177,005	216,027
Accrued Interest Receivable	9,202,598	6,819,629	4,954,367	4,282,669	3,893,383	2,991,916
Other Receivables	6,543,483	9,106	10,757	2,794,830	3,082,671	2,040,265
Restricted Cash	13,344,304	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	45,104	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	5,556,492	49,436,655	18,485,201	7,723,405	8,274,462	90,182
Total Assets	1,104,379,502	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	Sep 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	594,642,587	576,841,652	510,598,446	459,379,930	383,769,102	326,923,178
Non-Interest Bearing Deposits	121,934,258	129,671,422	118,286,590	104,042,362	90,188,085	94,378,062
Total Deposits	716,576,845	706,513,074	628,885,036	563,422,292	473,957,187	421,301,240
Short-Term Borrowings	2,171,220	32,957,381	7,948,357	117,126	504,210	-
Current Portion of Long-Term Debt	210,394,185	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	15,064,633	8,969,078	7,045,361	7,682,185	5,564,271	4,637,581
Other Current Liabilities	11,308,221	1,176,180	596,566	2,326,678	3,603,149	2,034,834
Long-Term Debt	44,851,266	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	-	4,514,720	3,226,343	-	-	-
Total Liabilities	1,000,366,370	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	58,044,220	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	45,819,642	42,881,253	38,523,199	31,843,557	24,392,412	17,609,528
Comprehensive Income & Other	-122,509	121	121	121	121	121
Shareholders' Equity	104,013,132	94,519,719	83,461,678	70,955,961	58,438,663	44,900,909
Total Liabilities & Equity	1,104,379,502	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	257,416,671	199,956,280	129,644,517	61,355,863	52,706,873	43,647,317
Net Cash (Debt)	-138,069,199	-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	-23789.78	-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	17919.64	16284.09	14378.98	12224.47	10067.96	7735.64
Tangible Book Value	101,420,188	92,281,656	81,271,506	69,510,968	57,307,019	43,823,431
Tangible Book Value Per Share	17472.92	15898.51	14001.65	11975.52	9872.99	7550.01

Data Source: S&P Global Market Intelligence Last updated: Sep 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:

Nov 2, 2026

Data Sources Report a data error