As of 30/6, ABBank’s total assets reached 204,851 billion VND, a 16% increase compared to the beginning of the year and exceeding the annual plan by 2%. Customer deposits and issued valuable papers reached 149,587 billion VND, a 36% increase from the beginning of the year. Outstanding loans reached 122,364 billion VND, an increase of over 11%, mainly in the individual customer segment.

ABBank representatives attributed the positive business results to growth across core areas. Specifically, net interest income increased by 21.1%, and net service income increased by 202.1% compared to the same period last year. The cost-to-income ratio (CIR) improved to 31.29%, and return on equity (ROE) reached 18.3%.

As of 30/6, the bank has completed 93% of its pre-tax profit plan for 2025. Photo: ABBank

As of 30/6, the bank has completed 93% of its pre-tax profit plan for 2025. Photo: ABBank

Asset quality was controlled with a non-performing loan ratio of 1.9%, lower than the 3% threshold stipulated in Circular 11 of the State Bank of Vietnam. ABBank set aside 865 billion VND for credit risk provisions in the first half of the year. The capital adequacy ratio (CAR) remained above 8%, and the loan-to-deposit ratio (LDR) reached 62.82%. Moody’s recently maintained the bank’s credit outlook at Stable.

In Quarter II of 2025, ABBank's digital banking segment recorded positive results. The new generation digital platform ABBank (replacing the former AB Ditizen) was launched with new features, notably ABBY Family, which supports parents in managing finances with their children. As a result, the number of individual transactions on digital channels increased by 18.6%, and the number of customers using digital banking increased by 5.8% compared to the previous quarter.

At the end of Quarter II, the bank’s outstanding loans reached 122,364 billion VND, with growth concentrated mainly in the individual customer segment. Photo: ABBank

At the end of Quarter II, the bank’s outstanding loans reached 122,364 billion VND, with growth concentrated mainly in the individual customer segment. Photo: ABBank

In the corporate customer segment, 80% of transactions were conducted online via the ABBank Business platform, optimizing the user experience and reducing operational burden on the business team.

Along with its digitization strategy, 2025 is also the time for ABBank to accelerate restructuring, focusing on reorganizing its apparatus and improving operational efficiency. The bank has adjusted its compensation policies, including salary increases, performance-based bonuses, preferential loans, car purchase vouchers, and implemented the ABBELL training program to enhance management capacity for key personnel.

Regarding sustainable development, ABBank established the ESG Strategy Committee at the beginning of the year. The bank has also partnered with various organizations and businesses such as the Vietnam Science and Technology Enterprise Startup Fund (SVF), VietED Group, and 315 Health System to implement sustainable business initiatives. Recently, ABBank launched the "Green Banking Capacity Building" program in collaboration with ADB and PwC, a strategic step towards promoting sustainable development goals in Vietnam.

ABBank’s General Director, Pham Duy Hieu, assessed that the growth results in Quarter II demonstrate the effectiveness of leveraging internal resources and reforming the operating apparatus.

"In the second half of the year, ABBank aims to continue growth in credit, deposits, and services, aiming for a pre-tax profit exceeding the planned 1,800 billion VND. The bank will also focus on controlling credit quality and strictly managing bad debts," Hieu emphasized.

(Source: ABBank)