Creating a sustainable foundation for breakthroughs.

DNVN - Asia Commercial Bank (ACB) has determined that entering the new year 2026 will not be a race for speed, but a journey to enhance the quality of growth. When the foundation is solid, breakthroughs will only be a matter of time.

For a commercial bank, growth is measured not only by speed but also by the ability to maintain stability throughout economic cycles. Therefore, from the beginning of 2026,ACB has chosen to adopt the mindset of an organization ready for the long term.

This is not a defensive approach, but rather a proactive one built on a solid foundation of governance, sound financial capacity, and a clear development strategy. In this approach, speed is not negated, but it is always placed in harmonious relationship with risk control and growth quality.

Mr. Tu Tien Phat – General Director of ACB.

Sharing the bank's direction for the new year, Mr. Tu Tien Phat – General Director of ACB – said: “The image of a horse is often associated with speed and breakthroughs. But in the practical operation of a financial institution, galloping is not always necessary. There are periods when the market demands speed. But there are also periods when maintaining a solid foundation is more important. For ACB, the new year is not a race for speed, but a journey to increase the quality of growth. When the foundation is strong enough, breakthroughs are only a matter of time.”

According to him, avoiding rapid growth during a period of significant volatility is the way to preserve financial capacity, protect shareholder interests, and create a solid position for the next cycle. Accordingly, by the end of 2025, ACB's total assets will officially exceed VND 1,025,850 billion, an increase of nearly 19% compared to the end of 2024 and doubling in 5 years, marking a significant milestone in the scale of a major bank in the Vietnamese financial system. At the same time, ACB's non-performing loan (NPL) ratio has decreased to 0.97%, the lowest level since 2023 and among the lowest in the entire industry.

Credit outstanding has grown steadily, focusing on production and business sectors, while the non-performing loan ratio has been kept low compared to the overall system average.

These figures are not simply the result of a fiscal year, but a testament to a consistent management philosophy: growth must go hand in hand with safety.

From a macroeconomic perspective, confidence in the long-term prospects of the Vietnamese economy continues to be the driving force behind ACB's steadfast commitment to its chosen strategy. Reforms in the business environment, along with the strong aspirations of the private sector, are seen as important foundations for a new growth cycle. In this context, ACB defines its role not only as a commercial bank, but as a financial institution that accompanies the sustainable development of the economy.

Over the past year, ACB has translated its cautious strategy into concrete action, not only in terms of profit figures, but also in the design of its products and services to share the burden of capital costs and optimize cash flow for customers.

Recently, a notable highlight is the "Automatic Loan Interest Rate Reduction" program, which allows borrowers (especially household businesses and small enterprises) to enjoy preferential interest rate reductions of up to 2% per year without complicated procedures. When customers choose ACB as their primary account to receive sales revenue and consolidate income into the account, the higher the average balance of current account deposits (CASA), the greater the interest rate reduction, with a potential discount of up to 2% per year – a practical method to reduce capital costs even in the next interest rate adjustment period.

At the same time, ACB continues to refine its product portfolio to support customers in optimizing cash flow and allocating assets for the long term.

These adjustments and products are not just short-term promotions, but rather ACB's way of concretizing its commitment to accompanying customers on their journey towards sustainable development, in line with its strategy of maintaining a safe financial rhythm to pursue further growth opportunities.

Han Tran

Source: https://doanhnghiepvn.vn/kinh-te/tai-chinh-ngan-hang/tao-nen-tang-ben-vung-de-but-pha/20260224112156645