Asia Commercial Bank
ACB · VN · Financial Services / Banks - Regional
Close Sep 18, 2026 · end-of-day
Market Stats
Price History
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Asia Commercial Joint Stock Bank provides various banking products and services to personal and business customers in Vietnam. It offers term and demand deposits, current accounts, and time deposits; credit, debit, prepaid, and corporate cards; and life, health, home, motor vehicle, cargo, property all risk, fire and special perils, installation and construction, ship, business interruption, and other insurance products. The company also provides consumer and business loans, including working capital loans, business loans, loans secured by savings books and valuable papers, fixed asset loans, home mortgage, home construction and renovation loans, secured personal loans, car and auto loans, 247 online disbursements, overdrafts, domestic commercial contract financing, commercial construction contract financing, auto distributor/dealer finance, fixed asset investment/investment project financing, real estate project finance, and financing solutions for enterprise in industrial parks. It offers international money transfer, online tax payment, foreign currency exchange and spot services; foreign exchange and financial market products; payment solutions; and bank guarantee services, including domestic, partially unsecured, overseas, joint venture contractor, and future balance guarantee services, as well as guarantee for investors. The company also engages in the debt factoring activities; trust and fiduciary activities; bond trading; online insurance, securities depository, and financial leasing services; securities deposit services; corporate finance consultancy services and securities underwriting services; and investment fund management and asset management services. It provides commodity derivatives; trade securities; discount commercial papers, bonds, and other valuable papers; clearing and settlement services for securities transactions; and digital and other banking services. The company was founded in 1993 and is headquartered in Ho Chi Minh City, Vietnam.
Company Details
- Sector
- Financial Services
- Industry
- Banks - Regional
- CEO
- Mr. Hoa Van Nguyen
- Employees
- 13.15K
- Headquarters
- 442 Nguyen Thi Minh Khai Street, Ho Chi Minh City, Vietnam, Vietnam
- Website
- https://acb.com.vn
Leadership
- Mr. Hung Huy TranChairman of the Board
- Mr. Hoa Van NguyenDeputy CEO, Member of Management Board & Director · b. 1970
- Mr. Tuan Van DamExecutive Vice President, Member of Management Board & Director · b. 1951
- Mr. Phat Tien TuGeneral Director & Member of Management Board · b. 1974
- Mr. Tai Tan BuiDeputy General Director & Member of Management Board · b. 1973
- Mr. Han Duc Thai NguyenDeputy General Manager & Member of Management Board · b. 1968
- Ms. Hai Thi NguyenDeputy General Director & Member of Management Board · b. 1955
- Ms. Van Thi Tuyet NguyenDeputy CEO & Member of Management Board · b. 1969
- Mr. Nguyen Khac NguyenDeputy CEO & Member of Management Board · b. 1981
- Mr. Long Tan NgoDeputy General Director & Member of Management Board · b. 1978
Financials
Income Statement
| Line item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|---|
| Total Revenue | $32.83T | $32.92T | $32.05T | $28.34T | $23.41T | $17.97T | $14.73T |
| Net Income | $15.62T | $16.79T | $16.04T | $13.69T | $9.60T | $7.68T | $6.01T |
| Interest Expense | $31.85T | $23.11T | $27.39T | $17.17T | $14.77T | $17.27T | $16.21T |
Balance Sheet
| Line item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|---|
| Total Assets | $1025.85T | $864.01T | $718.79T | $607.88T | $527.77T | $444.53T | $383.51T |
| Total Liabilities | $931.33T | $780.54T | $647.84T | $549.44T | $482.87T | $409.08T | $355.75T |
| Total Equity | $94.52T | $83.46T | $70.96T | $58.44T | $44.90T | $35.45T | $27.77T |
| Cash | $175.19T | $148.70T | $140.06T | $104.46T | $83.57T | $46.90T | $36.15T |
Cash Flow
| Line item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $28.16T | $8.37T | $44.11T | $-26.20T | $-17.32T | $-38.81T | $-30.85T |
| Investing Cash Flow | - | - | - | $-372.33B | $-462.40B | $-395.50B | $-565.84B |
| Financing Cash Flow | - | - | - | $47.49T | $54.36T | $49.55T | $37.69T |
| Capital Expenditure | $701.86B | $919.74B | $715.48B | $511.51B | $636.10B | $423.13B | $535.26B |
| Free Cash Flow | $27.46T | $7.45T | $43.40T | $20.76T | $39.29T | $10.46T | $5.28T |
| Dividends Paid | $4.47T | $3.88T | $3.38T | - | - | - | - |
Earnings
| Report Date | Jul 20, 2026 | Apr 21, 2026 | Jan 28, 2026 | Oct 20, 2025 | Jul 23, 2025 | Apr 21, 2025 | Jan 22, 2025 | Oct 24, 2024 | Jul 21, 2024 | Apr 25, 2024 | Jan 26, 2024 | Oct 24, 2023 | Aug 14, 2023 | May 31, 2023 | Mar 1, 2023 | Nov 30, 2022 | Aug 31, 2022 | Jun 1, 2022 | Mar 2, 2022 | Dec 1, 2021 | Sep 1, 2021 | Jun 2, 2021 | Mar 3, 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| EPS Estimate | $760.29 | $762.87 | $704.23 | $766.80 | $722.38 | $751.39 | $710.04 | $742.89 | $705.59 | $681.80 | $520.64 | $790.67 | $481.71 | - | - | - | - | - | - | - | - | - | - |
| EPS Actual | $626.00 | $744.25 | $479.65 | $737.17 | $729.20 | $633.32 | $782.61 | $667.18 | $599.46 | $673.17 | $689.90 | $1040.00 | $533.32 | $712.39 | $494.54 | $617.98 | $679.33 | $566.38 | $418.39 | $362.24 | $445.91 | $427.85 | $439.24 |
| Surprise | -17.66% | -2.44% | -31.89% | -3.86% | 0.94% | -15.71% | 10.22% | -10.19% | -15.04% | -1.27% | 32.51% | 31.53% | 10.71% | - | - | - | - | - | - | - | - | - | - |
| Timing | After-hours | After-hours | Pre-market | After-hours | After-hours | After-hours | Pre-market | After-hours | After-hours | After-hours | Pre-market | Pre-market | Pre-market | - | - | - | - | - | - | - | - | - | - |
Key Statistics & Ratios
- Market Cap
- $122.47T
- Enterprise Value
- $256.70T
- Trailing P/E
- 7.86
- Forward P/E
- 6.36
- Price / Sales
- 3.99
- Price / Book
- 1.27
- EPS
- $2,683.92
- Book Value
- $17,110.15
- Revenue (TTM)
- $30.71T
- Gross Profit (TTM)
- $30.71T
- Profit Margin
- 51.05%
- Operating Margin
- 66.40%
- Return on Equity
- 16.81%
- Return on Assets
- 1.57%
- Shares Outstanding
- 5.80B
- Shares Float
- 5.17B
- Beta
- 0.35
- Dividend Yield
- 3.32%
- Dividend Rate
- $700
- Payout Ratio
- 27.06%
Dividends
Stock Splits
- Jun 15, 2026113:100
- May 23, 202523:20
- May 31, 202423:20
- Jun 1, 202323:20
- Jun 2, 20225:4
- Jun 10, 20215:4