The information above was announced by Asia Commercial Bank (ACB) in the documents for this year’s annual meeting. Accordingly, this bank will pay a total dividend rate of 20%, with 7% in cash and the remainder in shares.
With the plan to distribute dividends in shares, ACB expects to issue approximately 667.7 million shares to pay the above dividends. If successfully implemented, the charter capital will increase from 51.366 trillion VND to 58.044 trillion VND.
Thus, the total dividend for 2025 of ACB is lower than 5 years prior. During the period from 2020 to 2024, the bank maintained a stable dividend policy for shareholders with a rate of 25%, including 15% in shares and 10% in cash.
ACB also plans to raise the dividend rate for 2026 from 20% to 25%, of which 15% will be in shares and 10% in cash.
In 2026, the bank led by Chairman Tran Hung Huy aims for a pre-tax profit increase of 14%, reaching 22.269 trillion VND. Assets, credit outstanding, and the amount mobilized are expected to increase by about 16%.
The bad debt ratio will be controlled at 0.97%, much lower than the target of below 2% set by the State Bank for member units. In addition to financial-related plans, ACB wants to expand its ecosystem, enhance the role of its subsidiaries (such as ACBS), and plans to establish an additional non-life insurance company in 2026.
In 2025, ACB recorded a pre-tax profit of 19.539 trillion VND, a decrease of 7% compared to 2024. The main reason is that this bank increased its credit risk provision costs in Q4 2025 from 148 billion VND to 1.957 trillion VND.