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Giấy phép số 4978/GP-TTĐT do Sở Thông tin và Truyền thông Hà Nội cấp ngày 14 tháng 10 năm 2019 / Giấy phép SĐ, BS GP ICP số 2107/GP-TTĐT do Sở TTTT Hà Nội cấp ngày 13/7/2022.
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Stock dividend payouts have become a broader strategic choice beyond simple cash distribution. They reflect long-term capital, growth, and risk management considerations in a changing environment. During the 2026 AGM season, spanning banks to large listed firms, there is a marked tilt toward stock dividends, attracting investor attention. The wave…
ABBank plans to raise its charter capital to 20.245 trillion VND in 2026 and also intends to transfer its stock listing from UpCOM to the Ho Chi Minh Stock Exchange (HoSE), aiming to enter a faster growth trajectory. The proposals are included in materials prepared for ABBank’s 2026 annual general meeting of shareholders, scheduled for April 28.
The bank’s board of directors plans to propose an increase in charter capital by 6.273 trillion VND, bringing total charter capital to more than 20.245 trillion VND. The increase will be implemented in three tranches.
ABBank said the funds raised from the issuances will be used to support lending activities and meet customers’ borrowing needs.
Alongside the capital-raising plan, ABBank proposes transitioning its listing from UpCOM to HoSE. The bank intends to file for listing registration with HoSE in September 2026. If approved, first trading on HoSE is expected in Q4 2026.
For 2026, ABBank targets pre-tax profit of 4,500 billion VND, equivalent to 128% of the previous year’s performance. The bank expects total assets to reach 291,000 billion VND (about 132%), customer mobilization to reach 247,417 billion VND (about 153%), and outstanding credit to reach 138,930 billion VND. The non-performing loan (NPL) ratio is targeted to remain below 1.5%.
ABBank said the 2026 plan builds on positive results in 2025, described as “the final year of the hinge period,” as the bank focuses on comprehensive digital transformation to prepare for the next phase of rapid growth.
By the end of 2025, ABBank reported total assets exceeding roughly 220.392 trillion VND. Credit outstanding reached 127.591 trillion VND, up 15.9% year-on-year. Deposit mobilization rose to more than 161.221 trillion VND, up 46.6%. Total operating income reached 8.580 trillion VND, up 87.3% year-on-year, while the cost-to-income ratio (CIR) was controlled at 35.4%.
Pre-tax profit in 2025 reached a record 3.522 trillion VND, up 352.4% year-on-year. Return on equity (ROE) and return on assets (ROA) were reported at 18.3% and 1.4%, respectively, higher than industry averages. The bank attributed the performance to cost restructuring and a digitally driven business model.
ABBank highlighted improvements in asset quality, with the NPL ratio falling to 0.53%, among the lowest in the system. The capital adequacy ratio (CAR) reached 11.45%, above the minimum regulatory threshold.
The bank also cited Moody’s decision to upgrade its outlook from “Stable” to “Positive”, which it said supports credibility in international capital markets and helps facilitate access to external funding.
ABBank said 2026 will be supported by factors including expected 15–16% sector-wide credit growth, drivers from public investment, FDI, private-sector policy, and the pilot of digital assets. The bank also said it will remain vigilant about inflation risks, exchange-rate fluctuations, and funding costs to balance growth with risk management.
In lending activity, ABBank plans to restructure its portfolio toward retail, targeting about 70% of total income from retail in the coming years. The bank said technology and data will be used to improve operating efficiency and customer experience.
On funding, ABBank said it will adopt a “tích tiểu thành đại” philosophy—building sustainable capital from individual customers. The bank aims to increase the share of demand deposits (CASA) to about 30% and keep the loan-to-deposit ratio (LDR) below 70% to ensure liquidity safety.
ABBank said it is developing financial solutions tailored to different customer groups, including retirement, education goals, safe investment, and long-term savings. The bank targets reaching 5 million personal customers in 2026.
If temporary excess funds arise, ABBank said it will proactively tap suitable proprietary trading opportunities to optimize capital utilization. The bank also plans to continue expanding cooperation with partners inside and outside the ecosystem to create innovative, highly digitalized financial service products.
With the foundation from its 2025 performance, ABBank said it is entering a new growth phase from 2026, supported by the capital-raising plan, the listing transfer to HoSE, and a retail-focused strategy, with the goal of becoming one of Vietnam’s leading retail-focused joint-stock banks.
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