Asia Commercial Joint Stock Bank (ACB) investor relations material

Executive summary

• Total assets reached VND 1,067,845 billion as of 30 June 2026, up from VND 1,025,850 billion at year-end 2025, reflecting growth in loans to customers and investment securities.

• Net profit after tax for H1 2026 was VND 8,612.9 billion, a slight increase from VND 8,559.4 billion in H1 2025.

• The bank maintained a nationwide network with 388 branches and 13,154 employees as of 30 June 2026.

Financial highlights

• Net interest income for H1 2026 was VND 14,773.9 billion, up from VND 13,042.7 billion year-over-year.

• Fee and commission income rose to VND 2,724.8 billion from VND 2,496.4 billion year-over-year.

• Operating profit before allowance expenses was VND 12,481.2 billion, up from VND 11,779.1 billion year-over-year.

• Total liabilities increased to VND 968,530.6 billion from VND 931,330.4 billion at year-end 2025.

• Owners' equity rose to VND 99,314.5 billion from VND 94,519.7 billion at year-end 2025.

Outlook and guidance

• The bank continues to focus on risk management, compliance with regulatory requirements, and business strategy alignment.

• Ongoing monitoring and adjustment of risk management frameworks in response to market and regulatory changes.