ACB aims for sustainable development.

Asia Commercial Bank (ACB) has just announced its estimated business results for the first quarter of 2025, with pre-tax profit reaching approximately VND 4,600 billion. Despite a slight decrease in profit due to the implementation of preferential interest rate packages to support customers, ACB still maintains a high return on equity (ROE) of over 20%, placing it among the leading banks in the industry.

Despite the volatile economic environment,ACB has maintained its growth momentum thanks to a comprehensive development strategy, tight risk control, and optimized operating costs. The cost-to-income ratio (CIR) is well-controlled at 34%, enabling the bank to both maintain operational efficiency and support customers with preferential programs.

A highlight of the first quarter of 2025 was the service segment. Revenue from service fees increased by more than 17% compared to the same period last year, with the card business segment experiencing a strong 161% increase, contributing positively to non-interest income. As a result, the ratio of non-interest income to total revenue increased to 20%, showing that ACB is gradually reducing its dependence on interest income.

Credit continued to grow steadily, reaching VND 590,000 billion, a 3.1% increase compared to the same period last year. The bank also recorded positive signals from credit quality, with the non-performing loan ratio slightly decreasing to 1.48%. The scale of capital mobilization reached VND 664,000 billion, a 4% increase compared to the end of 2024, ensuring resources to meet credit growth needs and maintain stable liquidity.

ACB also maintains good capital adequacy ratios: loan-to-deposit ratio (LDR) of 79.8%, ratio of short-term capital to medium- and long-term loans at 18.8%, and consolidated capital adequacy ratio (CAR) above 11%, higher than the minimum requirement of Basel II.

Sharing his vision for development, Mr. Tu Tien Phat, General Director of ACB, said: “ACB is committed to its strategy of becoming the leading retail bank in Vietnam, linking business efficiency with the goal of sustainable development, creating long-term value for customers, shareholders and the community . ”

In addition to its business performance, ACB continues to make its mark as a pioneering private bank in sustainable development. In the first quarter of 2025, ACB released its 2024 Sustainable Development Report, marking the third consecutive year of its publication and becoming the first bank in Vietnam to adopt the United Nations' Principles of Responsible Banking.

This year's report incorporates the element of sustainable economics , clearly reflecting ACB's role in contributing to the economy and community through ESG initiatives. Also at the 2025 Shareholders' Meeting, ACB became the first bank to simultaneously release both its Annual Report and its Sustainable Development Report.

Furthermore, ACB actively participates in social activities such as collaborating with the Ho Chi Minh City People's Committee to donate 1,600 trash cans to over 120 schools to raise awareness about environmental protection. With these practical contributions, ACB was honored among the Top 50 Outstanding Enterprises of Ho Chi Minh City and is also one of the largest private banks contributing to the national budget, with over 5,500 billion VND in 2024.

Source: https://thoibaonganhang.vn/acb-huong-den-phat-trien-ben-vung-163233.html