ACB earned 16,000 billion VND in profit in 9 months

ACB said that its business results in the third quarter of 2025 continued to affirm its position as a private bank with leading risk management capacity and solid asset quality, with the bad debt ratio maintained at the lowest level in the industry for many consecutive years. On that foundation, ACB still ensures stable, effective and sustainable growth, towards a new strategic development stage.

Specifically, by the end of the third quarter of 2025, ACB's outstanding credit balance reached VND669 trillion, up 15.2% compared to the beginning of the year, higher than the industry average. In particular, corporate lending continued to be the main growth driver, up 20%, concentrated in the fields of trade and manufacturing - key sectors of the economy .

At the same time, retail debt, which is the core of ACB's business strategy, also recorded a positive recovery, thanks to flexible credit programs and financial solutions specifically designed for each segment of individual customers, business households and small traders.

As a pioneer bank accompanying customers in implementing Resolution 68 on private economic development, ACB has shown its acumen in development strategy and ability to innovate products and services. Thanks to selective lending policies and strict risk control, ACB ensures capital flows into real profitable, low-risk sectors - the foundation for the bank to grow sustainably without sacrificing asset quality.

ACB’s bad debt ratio dropped to 1.09%, among the lowest in the industry. This is a testament to its stable management capacity and proactive risk management, helping ACB maintain capital safety and high liquidity.

The ratio of short-term capital for medium and long-term loans is also at 21.8%, lower than the State Bank's regulations, helping banks have room to optimize yields when expanding medium and long-term loans.

Pioneering products and services such as "First Home", specialized financial solution packages for business households, Flex payment solution, Lotusmiles Pay integrated payment membership card... have helped ACB expand its customer base and strengthen brand trust.

Recently, "First House" was honored as "Innovative Credit Solution" at Better Choice Awards 2025, a national award directed by the Ministry of Finance , organized by the National Innovation Center (NIC) in collaboration with VCCorp.

Along with that, the two Digital Pioneer 2025 awards - Pioneering partner to deploy new digital solutions in Vietnam in 2025 and Innovative White-Label Airlines Card Commercial Launch in Vietnam 2025 - VISA's Innovative White-Label Airlines Card Commercial Launch in Vietnam 2025 Award have affirmed ACB's innovative vision of not only investing in technology, but using technology to address the emotional and behavioral needs of modern customers.

At the Vietnam Outstanding Banking Awards (VOBA) 2025, ACB also received two awards: "Outstanding Retail Bank" and "Bank with Innovative Products and Services". This is a testament to ACB's continuous efforts in improving service quality, promoting innovation and bringing different experiences to customers.

In the third quarter of 2025, ACB recorded pre-tax profit of VND 5,400 billion, up 11% over the same period; accumulated profit for 9 months reached more than VND 16,000 billion, up 5%.

In the sustainable development strategy, risk management activities are considered by ACB as a fundamental factor, ensuring safe growth and long-term value for customers and shareholders. Accordingly, ACB continuously strengthens and applies technology in risk management, ensuring infrastructure and building human resources, not only to comply with regulations but also to effectively apply them in business, opening up a platform for the bank to develop modern financial products, personalize services and expand market share sustainably.

Recently, ACB also announced the completion of the project to build a capital calculation platform for credit risk based on the Internal Ratings-Based (IRB) method, including both basic (FIRB) and advanced (AIRB) levels, demonstrating the bank's pioneering role in implementing advanced Basel standards in Vietnam. ACB was also awarded the "Best Bank for Risk Management Vietnam 2025" by Global Banking & Finance Review (UK).

This is considered the foundation that helps banks continuously maintain stable growth momentum for many years as well as have the ability to contribute back to society and the community.

According to Mr. Tu Tien Phat - General Director of ACB, a bank can only truly develop sustainably when it can both manage risks well and create real value for society. For ACB, growth is not just about numbers, but also about the balance between efficiency, safety and responsibility.

Accordingly, ACB is also one of the prominent banks included in the PRIVATE 100 list - List of private enterprises that contribute the largest budget in Vietnam. At the same time, the bank also continues to accompany major resolutions of the Government such as Resolution 68 on private economic sector development and Resolution 57 on national innovation. The bank promotes programs to support businesses in digital transformation, sponsor education and university cooperation, contributing to fostering high-quality human resources to create the foundation for a more sustainable and competitive economy.

Impressive business results, outstanding risk management, and persistent social responsibility are creating an ACB consistent with its strategic orientation: Becoming an effective financial group, bringing comprehensive personalized solutions to each customer, through a seamless experience on an integrated platform, led by technology, data and artificial intelligence.

Source: https://nld.com.vn/acb-thu-ve-16000-ti-dong-loi-nhuan-trong-9-thang-196251022153750222.htm