HCM CITY — An Bình Commercial Joint Stock Bank (ABBank, ticker: ABB) has announced its audited financial statements for 2025, reporting profit growth of up to 352.4 per cent compared to 2024 and its lowest non-performing loan (NPL) ratio in years.

Total operating income reached VNĐ8.58 trillion (US$325.6 million), up 87.3 per cent year-on-year. Cost-to-income ratio was maintained at 35.4 per cent thanks to its efforts to optimise costs and accelerate digital transformation. Pre-tax profit hit a record VNĐ3.5 trillion ($133.6 million), rising 352.4 per cent from 2024. Notably, the bank’s total assets surpassed VNĐ220.3 trillion ($8.3 billion).

These results translated into strong profitability metrics, with return on equity at 18.3 per cent and return on assets at 1.4 per cent, both well above the industry average.

Despite rising NPL pressures across the banking sector, ABBank reduced its NPL ratio to 0.53 per cent, among the lowest in Việt Nam’s banking system.

Maintaining a very low NPL ratio, together with a capital adequacy ratio of 11.45 per cent – well above the regulatory minimum and higher than the previous year – underscores the bank’s strong and sustainable risk management capabilities. Moody’s upgraded ABBank’s outlook from “Stable” to “Positive”, affirming its credibility in international capital markets and facilitating access to overseas funding sources.

In 2025, ABBank stepped up digital transformation, enhancing its capital mobilisation capacity. Customer deposits (including valuable papers) surged by 46.6 per cent compared to 2024, reaching over VNĐ161.2 trillion ($6.1 billion).

Outstanding credit reached approximately VNĐ127.6 trillion ($4.8 billion), up 15.9 per cent from 2024.

The bank also recorded a 12.8 per cent year-on-year increase in the number of customers across both retail and SME segments.

ABBank is scheduled to hold its 2026 Annual General Meeting of Shareholders on April 24 in Hà Nội. The AGM will discuss key issues, including 2025 business results and 2026 targets, profit distribution, a plan to increase charter capital, and a proposal to list ABB shares on the Ho Chi Minh Stock Exchange (HOSE).

The bank plans to raise charter capital to over VNĐ20.2 trillion ($776.9 million), aimed at strengthening financial capacity and expanding credit growth limits. Earlier in 2026, ABBank increased its charter capital through a rights issuance to existing shareholders and an employee stock ownership plan. By March 2026, the bank had raised its charter capital from VNĐ10.35 trillion to VNĐ13.97 trillion, reinforcing its financial foundation for a new growth phase.

Alongside the capital increase, the proposed listing of ABB shares on HOSE, if approved, would be a strategic move to enhance transparency, improve liquidity, and boost the bank’s market capitalisation. — VNS