•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
ABBank (An Bình Commercial Joint Stock Bank) has released materials for its 2026 annual general meeting, scheduled for 28 April 2026.
In 2025, ABBank reported strong growth across key financial indicators. Total assets reached VND 220,392 billion, up 24.8% year on year. Customer deposits rose to VND 161,221 billion, up 46.6%, while outstanding credit increased to VND 127,591 billion, up 15.9%.
Operating income in 2025 was VND 8,580 billion, up 87.3% from the previous year. The cost-to-income ratio (CIR) improved to 35.4%. Pre-tax profit climbed to VND 3,522 billion, up 352.4% year on year, while after-tax profit was about VND 2,798 billion.
Asset quality remained solid. The non-performing loan (NPL) ratio was 0.53%, below the central bank’s limit. NPL coverage increased from 50% to 130.7%.
On digital transformation, new customers in the personal and corporate segments grew 92% and 95%, respectively. Total digital channel transactions reached 75 million.
For 2026, ABBank aims to increase total assets to VND 291,000 billion, up 32% from end-2025. Deposits and credit are projected at VND 247,417 billion and VND 138,930 billion, respectively. The bank set a pre-tax profit target of VND 4,500 billion, up 28% from the prior year, with an NPL rate target of under 1.5%.
Retail is identified as the growth pillar, with a goal to contribute about 70% of total income and to serve 5 million individual customers.
In funding structure, ABBank targets a CASA ratio of around 30% and a loan-to-deposit ratio (LDR) below 70%.
Year-end 2025 statistics show ABBank’s CASA ratio at 9.19%, with only MB, Techcombank and Vietcombank above the 30% CASA threshold.
ABBank plans to increase charter capital to VND 20,245 billion in 2026, up from VND 13,972 billion. The increase is expected to be carried out through three methods: a 15% stock dividend, a 20% rights issue to existing shareholders, and a 5% ESOP.
The bank said the proceeds will be used to extend credit to customers.
The board also plans to move ABBank’s listing from UPCoM to a formal listing on HOSE in Q4 2026.
Management said 2025 results were very positive, citing improved operating efficiency and strong asset quality and safety indicators. The bank stated these results provide a foundation for its next growth phase, and that listing on HOSE is expected to enhance value for the bank and shareholders while reinforcing ABBank’s commitment to transparency, efficiency and sustainable development.
Premium gym chains are entering a “golden era” that is ending or already in decline, as rising operating costs collide with shifting consumer preferences toward more flexible, community-based ways to exercise. Long-term memberships are shrinking, margins are pressured by higher rents and facility expenses, and competition from smaller, more personalized…
