Entering the new year, ACB has set its focus on enhancing growth quality, prioritizing safety and efficiency over speed. According to the bank's leadership, in an unpredictable economic climate, the development strategy must be built upon a robust risk management framework and strong financial capacity.

ACB emphasizes growth quality. Photo: ACB

Tu Tien Phat, general director of ACB, stated that each market phase demands a distinct strategy. The bank can accelerate when conditions are favorable, but it needs to consolidate its foundation when the environment presents risks. ACB chooses to maintain a steady pace to prepare for the next cycle.

By the end of 2025, ACB's total assets surpassed 1,025 trillion VND, marking an increase of nearly 19% compared to the end of 2024. The bank's asset size has doubled in 5 years. Its non-performing loan ratio decreased to 0,97%, placing it among the lowest in the banking system.

ACB maintains stable credit growth, channeling capital primarily into production and business sectors. The bank rigorously controls risks in sensitive segments. These financial indicators reflect a strategy of growth coupled with safety.

Tu Tien Phat, general director of ACB. Photo: ACB

From a macroeconomic perspective, the bank remains confident in Vietnam's long-term economic outlook. It views business environment reforms as crucial drivers for growth and acknowledges the private sector's vital role in the new development cycle.

Building on this foundation, ACB defines its role beyond traditional credit provision. The bank positions itself as a financial partner for businesses and individuals, aiming to contribute to the stable and sustainable growth of the economy.

Over the past year, the bank also designed products and services to alleviate capital cost burdens and optimize cash flow for customers. A key initiative is the "automatic loan interest rate reduction" program, which allows borrowers, particularly business households and small enterprises, to enjoy interest rate incentives based on their average current account savings account (CASA) balance if they use ACB as their primary account. The reduction can reach a maximum of 2% per one year.

The "automatic loan interest rate reduction" program targets business households and small enterprises. Photo: ACB

The ACB One system automatically applies this mechanism for eligible customers. The digital platform displays the preferential rates transparently. Customers do not need to complete additional administrative procedures, helping businesses reduce capital costs in the subsequent adjustment period.

Concurrently, the bank continues to refine its product portfolio to help customers optimize cash flow and allocate long-term assets. Products such as deposit certificates, fund certificates, and investment services linked with partners are designed to balance capital preservation and yield optimization. According to the leadership, these solutions offer more choices for individual and institutional customers when planning their medium- to long-term financial strategies.

ACB designates this year as a period of internal consolidation. The bank focuses on growth quality and operational efficiency. The leadership believes that a strong foundation will facilitate sustainable progress in subsequent cycles.

Anh Vu