Asia Commercial Joint Stock Bank (HOSE:ACB)
Vietnam · Delayed Price · Currency is VND 22,400
+250 (1.13%)
At close: Aug 7, 2026
HOSE:ACB Income Statement
Financials in millions VND. Fiscal year is January - December.
Millions VND. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Interest Income on Loans | 68,430,328 | 58,755,829 | 50,902,749 | 52,346,796 | 40,698,834 | 33,713,810 |
Interest Paid on Deposits | 39,793,493 | 31,850,134 | 23,108,047 | 27,387,226 | 17,165,305 | 14,769,018 |
Net Interest Income | 28,636,835 | 26,905,695 | 27,794,702 | 24,959,570 | 23,533,529 | 18,944,792 |
Net Interest Income Growth | 6.04% | -3.20% | 11.36% | 6.06% | 24.22% | 29.92% |
Income From Trading Activities | 640,825 | 474,316 | 200,357 | 168,383 | -387,873 | 449,960 |
Gain (Loss) on Sale of Investments | -4,871 | 405,676 | 445,742 | 2,640,351 | -8,533 | 223,431 |
Other Non-Interest Income | 5,430,324 | 6,021,088 | 5,069,388 | 4,971,423 | 5,623,763 | 3,926,961 |
Total Non-Interest Income | 6,066,278 | 6,901,080 | 5,715,487 | 7,780,157 | 5,227,357 | 4,600,352 |
Non-Interest Income Growth | -11.99% | 20.74% | -26.54% | 48.84% | 13.63% | 28.53% |
Revenues Before Loan Losses | 34,703,113 | 33,806,775 | 33,510,189 | 32,739,727 | 28,760,886 | 23,545,144 |
Provision for Loan Losses | 3,991,777 | 3,334,748 | 1,606,285 | 1,804,231 | 70,814 | 3,336,109 |
| 30,711,336 | 30,472,027 | 31,903,904 | 30,935,496 | 28,690,072 | 20,209,035 | |
Revenue Growth | -4.92% | -4.49% | 3.13% | 7.83% | 41.97% | 17.36% |
Salaries and Employee Benefits | 6,410,959 | 6,231,750 | 6,468,329 | 6,215,207 | 6,069,294 | 5,128,784 |
Occupancy Expenses | 1,668,567 | 1,648,010 | 1,645,532 | 392,052 | 1,733,724 | 1,692,359 |
Federal Deposit Insurance | 664,386 | 646,439 | 574,929 | 504,504 | 455,482 | 419,539 |
Selling, General & Administrative | 2,354,571 | 2,382,631 | 2,212,159 | 2,346,192 | 3,286,908 | 1,736,532 |
Other Non-Interest Expense | 28,991 | 24,421 | -2,916 | 1,409,542 | 30,456 | -766,291 |
Total Non-Interest Expense | 11,127,474 | 10,933,251 | 10,898,033 | 10,867,497 | 11,575,864 | 8,210,923 |
EBT Excluding Unusual Items | 19,583,862 | 19,538,776 | 21,005,871 | 20,067,999 | 17,114,208 | 11,998,112 |
Pretax Income | 19,583,862 | 19,538,776 | 21,005,871 | 20,067,999 | 17,114,208 | 11,998,112 |
Income Tax Expense | 3,905,722 | 3,914,077 | 4,216,103 | 4,023,266 | 3,426,015 | 2,395,366 |
Net Income | 15,678,140 | 15,624,699 | 16,789,768 | 16,044,733 | 13,688,193 | 9,602,746 |
Preferred Dividends & Other Adjustments | 100,000 | 100,000 | 400,000 | 150,000 | 150,000 | 150,000 |
Net Income to Common | 15,578,140 | 15,524,699 | 16,389,768 | 15,894,733 | 13,538,193 | 9,452,746 |
Net Income Growth | -6.02% | -5.28% | 3.11% | 17.41% | 43.22% | 24.66% |
Basic Shares Outstanding | 5,803 | 5,804 | 5,804 | 5,804 | 5,804 | 5,804 |
Diluted Shares Outstanding | 5,803 | 5,804 | 5,804 | 5,804 | 5,804 | 5,804 |
Shares Change | 1.06% | - | - | - | - | 0.06% |
EPS (Basic) | 2684.68 | 2674.63 | 2823.67 | 2738.38 | 2332.39 | 1628.54 |
EPS (Diluted) | 2684.68 | 2674.63 | 2823.67 | 2738.38 | 2332.39 | 1628.54 |
EPS Growth | -7.00% | -5.28% | 3.11% | 17.41% | 43.22% | 24.59% |
Dividend Per Share | - | - | 769.527 | 669.154 | 581.873 | - |
Dividend Growth | - | - | 15.00% | 15.00% | - | - |
Effective Tax Rate | 19.94% | 20.03% | 20.07% | 20.05% | 20.02% | 19.96% |