ACB

Ngân hàng TMCP Á Châu ·HOSE ·2026Q1

▼ FUNDING UNDER PRESSURE

Operations are weakening LDR 96.7%, +2.2 pp QoQ

Price

25,100

Latest close

02 Jun 2026

P/B 1.3x

ROAE (TTM) 17.5%

NIM (TTM) 2.9%

ROAA (TTM) 1.7%

LDR 96.7%

Bank Picture

ACB bank opening narrative plan rendered.

	                            
	                                LDR
	                            
	                                    96.7%
	                                
+2.2 pp QoQ

	                            
	                                Market funding share
	                            
	                                    35.1%
	                                
+2.1 pp QoQ

	                            
	                                Funding cost
	                            
	                                    3.75%
	                                
+0.6 pp YoY

Metric	2025	2024
Net Interest Income	26.905,7	27.794,7
NIM	2,93%	3,30%
Net Fee Income	3.146,7	3.238,8
Provision Expense	3.334,7	1.606,3
Net Profit After Tax	15.624,7	16.789,8

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Net Interest Income	6.989,2	7.093,3	6.769,7	6.683,8	6.358,9	7.080,3	6.881,4	7.111,5	6.721,5
NII Growth YoY	+10%	+0%	−2%	−6%	−5%	—	—	—	—
NIM	2,94%	2,93%	3,20%	3,26%	3,48%	3,59%	—	—	—
Net Fee Income	992,9	894,3	795,4	584,7	872,3	868,8	747,2	877,6	745,2
Provision Expense	686,0	1.956,6	288,9	463,0	626,1	147,7	358,2	588,1	512,2
Net Profit After Tax	4.320,4	2.784,7	4.280,6	4.881,2	3.678,3	4.545,4	3.870,4	4.468,6	3.905,4
Net Income Growth YoY	+17%	−39%	+11%	+9%	−6%	—	—	—	—

Drivers of ACB's profit

TTM

Net profit attributable to parent declined vs last year, mainly due to higher provision for credit losses. Supporting and offsetting drivers:

Trading securities +VND 608.3bn

Other income +VND 327.0bn

FX & gold trading +VND 326.2bn

Investment securities +VND 152.9bn

Corporate income tax −VND 104.1bn

Provision for credit losses +VND 1,674.4bn

TTM

Net profit attributable to parent increased vs prior quarter, mainly helped by higher net interest income. Supporting and offsetting drivers:

Net interest income +VND 630.3bn

Trading securities +VND 161.8bn

Net fee income +VND 120.6bn

Other income +VND 47.3bn

FX & gold trading +VND 7.3bn

Operating expenses +VND 158.6bn

Financial Highlights

Detailed analysis of each financial dimension

Is credit clean?

very positive positive stable watch under pressure

Credit Quality

Is asset quality deteriorating?

Direct credit reading is still incomplete, but funding balance has tightened with LDR rising to 96.7%.

Reserve buffer on gross loans is around 1.10%. LDR stands at 96.7%.

Credit reading currently relies mainly on credit cost and reserve buffer; NPL, group-2, and bad-debt coverage signals will be added next.

Key signals

Credit cost 0.36% −0.0pp

Reserve / Gross loans 1.10% −0.0pp

LDR 96.7% +2.2pp

2026Q1

Is interest margin sustainable?

Interest Margin Quality

Is spread coming under pressure?

Spread is under pressure from funding costs, with funding cost at 3.75%.

In the period, NIM reached 2.94%, −0.5pp YoY; asset yield was 6.69%, +0.1pp; while funding cost was 3.75%, +0.6pp. This suggests spread has become less favorable than before, though not yet in a clearly deteriorating two-sided way.

Watchpoints

Funding cost is elevated

Funding cost is 3.75%, pressuring net interest margin.

Key signals

NIM 2.94% −0.5pp

Asset yield 6.69% +0.1pp

Funding cost 3.75% +0.6pp

2026Q1

Earnings Mix

Is profit coming from core or supporting income sources?

Earnings remain primarily core-led, with NII contributing around 79.2% of total operating income. More broadly, the revenue mix is becoming less anchored in core income, as the share of net interest income declines without a clear enough offset from fee income.

Nii accounts for 79.2% of toi, fee income is 9.4% of toi, other income is 3.1% of toi, cir stands at 31.9%, net profit equals 46.8% of toi.

Watchpoints

Income mix quality deteriorating

Net interest income share is declining while fee income does not offset enough or other income rises, making the revenue mix less anchored in core income.

Key signals

NII / TOI 79.2% −0.5pp

Fee / TOI 9.4% +0.1pp

Other income / TOI 3.1% +0.0pp

CIR 31.9% −0.5pp

2026Q1

Is liquidity safe?

Funding & Liquidity

Are funding and capital buffers sufficiently safe?

Funding structure is leaning more toward market sources, with market funding up to 35.1% while customer funding share has softened.

Ldr stands at 96.7%, equity equals 9.6% of assets, customer funding accounts for 64.9% of interest-bearing funding, market funding accounts for 35.1%.

Watchpoints

Funding mix turning less comfortable

Market funding share is rising quarter over quarter, suggesting a less comfortable funding mix even if stress is not yet severe.

Market funding dependence is high

Market funding now accounts for 35.1% of interest-bearing funding.

Key signals

LDR 96.7% +2.2pp

Equity / Assets 9.6% +0.4pp

Customer funding 64.9% −2.1pp

Market funding 35.1% +2.1pp

2026Q1

Profitability Quality

What is sustaining current profitability?

Profitability currently looks balanced, with ROAA at 1.69% and ROAE at 17.51%.

Net income on average earning assets is 1.74%, nim stands at 2.94%, credit cost is 0.36%, cir stands at 31.9%, average leverage is around 10.35 times.

Key signals

ROAA 1.69% +0.0pp

ROAE 17.51% −0.1pp

NI / Avg EA 1.74% +0.0pp

Quarterly provision VND 686bn −64.9% QoQ

2026Q1

Investment Takeaway

ACB bank investment takeaway — funding under pressure. [Placeholder for EN translation.]

[Placeholder for EN evidence line 1.]

[Placeholder for EN evidence line 2.]

[Placeholder for EN conclusion.]

Statement Data

Item	2025	2024
Interest Income and Similar Income	58,755.8	50,902.7
Interest Expense and Similar Expenses	31,850.1	23,108.0
Net Interest Income	26,905.7	27,794.7
Fee and Commission Income	5,196.1	5,465.0
Fee and Commission Expenses	2,049.4	2,226.2
Net Fee and Commission Income	3,146.7	3,238.8
Net Gain/(Loss) from Foreign Currencies and Gold Trading	1,731.9	1,170.8
Net Gain/(Loss) from Trading Securities	474.3	200.4
Net Gain/(Loss) from Investment Securities	396.8	450.3
Other Income	2,228.7	1,266.1
Other Expenses	1,205.4	642.5
Net Other Income	1,023.3	623.6
Income from Capital Contribution and Long-term Investments	119.2	36.2
Operating Expenses	10,924.4	10,902.6
Operating Profit before Provision for Credit Losses	22,873.5	22,612.2
Provision for Credit Losses	3,334.7	1,606.3
Profit Before Tax	19,538.8	21,005.9
Current Corporate Income Tax Expense	3,914.0	4,199.7
Deferred Income Tax Expense	0.1	16.4
Corporate Income Tax	3,914.1	4,216.1
Net Profit After Tax	15,624.7	16,789.8
Net Profit Attributable to the Equity Holders of the Bank	15,624.7	16,789.8
Earnings per Share	3,022.00	3,669.00

Item	2025	2024
Cash, Gold and Precious Stones	8,624.5	5,696.4
Balances with the State Bank of Vietnam	16,575.0	25,219.8
Placements at and Loans to Other Credit Institutions	149,990.7	117,882.3
Placements at Other Credit Institutions	149,990.7	117,781.3
Loans to Other Credit Institutions	—	151.0
Provision for Losses and Risks	—	-50.0
Trading Securities	6,544.9	3,881.2
Trading Securities (Gross)	6,708.4	4,029.1
Provision for Diminution in Value of Trading Securities	-163.5	-147.9
Derivatives and Other Financial Assets	324.3	56.0
Loans, Advances and Finance Leases to Customers	679,152.6	573,946.7
Loans, Advances and Finance Leases to Customers (Gross)	686,777.4	580,686.2
Provision for Losses on Loans, Advances and Finance Leases to Customers	-7,624.7	-6,739.6
Investment Securities	144,164.1	121,090.2
Available-for-sale Securities	132,778.8	108,918.5
Held-to-maturity Securities	11,396.5	12,171.8
Provision for Diminution in Value of Investment Securities	-11.2	—
Capital Contribution and Other Long-term Investments	74.7	124.9
Other Long-term Investments	233.7	292.9
Provision for Diminution in Value of Long-term Investments	-159.0	-167.9
Fixed Assets	5,438.6	5,412.4
Tangible Fixed Assets	3,200.5	3,222.2
Tangible Fixed Assets Cost	6,806.1	6,504.3
Accumulated Depreciation of Tangible Fixed Assets	-3,605.6	-3,282.1
Intangible Fixed Assets	2,238.1	2,190.2
Intangible Fixed Assets Cost	3,117.5	2,950.3
Accumulated Depreciation of Intangible Fixed Assets	-879.5	-760.1
Investment Properties	149.7	177.0
Investment Properties Cost	149.7	177.0
Other Assets	14,811.1	10,518.9
Accounts Receivables	6,743.1	4,299.6
Interest and Fee Receivables	6,819.6	4,954.4
Deferred Income Tax Assets	17.3	17.3
Other Assets (Miscellaneous)	1,414.3	1,425.9
Provision for Risks in Other Assets	-183.2	-178.4
Total Assets	1,025,850.1	864,005.7
Due to Government and Borrowings from the State Bank of Vietnam	32,976.1	7,954.9
Placements and Borrowings from Other Credit Institutions	154,999.5	111,591.7
Placements from Other Credit Institutions	121,314.1	91,574.0
Borrowings from Other Credit Institutions	33,685.4	20,017.7
Deposits from Customers	585,180.2	537,304.6
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	19.1	28.0
Valuable Papers Issued	133,294.4	101,650.4
Other Liabilities	24,861.1	22,014.5
Interest and Fee Payables	8,969.1	7,045.4
Other Liabilities (Miscellaneous)	15,892.0	14,969.1
Total Liabilities	931,330.4	780,544.0
Capital and Reserves	94,519.7	83,461.7
Capital	51,638.3	44,938.4
Charter Capital	51,366.6	44,666.6
Share Premium	271.8	271.8
Reserves	17,583.1	14,789.6
Undistributed Earnings after Tax/Accumulated Loss	25,298.3	23,733.8
Total Liabilities and Equity	1,025,850.1	864,005.7

Item	2025	2024
Receipts from Interest and Similar Income	56,890.6	50,231.1
Payments for Interest and Similar Expenses	-29,920.8	-23,737.6
Receipts from Fee and Commission Income	2,580.1	2,672.1
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	2,636.8	1,822.9
Receipts from Other Income	-222.8	-164.1
Receipts from Collection of Written-off Debts	1,084.3	740.9
Payments for Staff Costs and Operating Expenses	-10,615.8	-10,747.1
Corporate Income Tax Paid	-4,335.5	-4,108.3
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	18,097.0	16,709.9
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	-1,952.5	-5,521.7
(Increase)/Decrease in Trading Securities and Investment Securities	-26,764.4	-43,561.4
(Increase)/Decrease in Derivatives and Other Financial Assets	-268.3	-56.0
(Increase)/Decrease in Loans and Advances to Customers	-106,091.1	-93,084.4
(Decrease)/Increase in Provisions for Damages	-2,500.3	-232.9
(Increase)/Decrease in Other Operating Assets	-2,365.5	271.0
Increase/(Decrease) in Due to Government and Borrowings from State Bank	25,021.3	7,954.8
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	43,407.9	22,085.0
Increase/(Decrease) in Deposits from Customers	47,875.6	54,601.8
Increase/(Decrease) in Valuable Papers Issued	31,638.3	49,233.1
Increase/(Decrease) in Funds Received from Government and Institutions	-8.9	-13.5
Increase/(Decrease) in Derivatives and Other Financial Liabilities	—	-117.1
Increase/(Decrease) in Other Operating Liabilities	2,200.9	102.8
Payments from Reserves	-129.9	-1.2
Net Cash Flows from Operating Activities	28,160.1	8,370.2
Purchase of Fixed Assets	-701.9	-919.7
Receipts from Disposal of Fixed Assets	72.2	147.9
Dividends and Profit Received	119.2	35.1
Net Cash Flows from Investing Activities	-304.2	-733.3
Dividends Paid and Profits Distributed to Owners	-4,466.7	-3,884.1
Net Cash Flows from Financing Activities	-4,466.7	-3,884.1
Net Cash Flows during the Period	23,389.2	3,752.9
Cash and Cash Equivalents at Beginning of the Period	139,824.6	136,071.7
Cash and Cash Equivalents at End of the Period	163,213.8	139,824.6

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Interest Income and Similar Income	17,220.4	16,080.4	15,049.4	14,298.7	13,327.3	13,518.4	12,922.1	12,474.7	11,987.6
Interest Expense and Similar Expenses	10,231.2	8,987.2	8,279.7	7,614.8	6,968.4	6,438.1	6,040.7	5,363.2	5,266.1
Net Interest Income	6,989.2	7,093.3	6,769.7	6,683.8	6,358.9	7,080.3	6,881.4	7,111.5	6,721.5
Fee and Commission Income	1,451.7	1,381.9	1,317.8	1,102.2	1,394.3	1,435.7	1,325.8	1,421.2	1,282.3
Fee and Commission Expenses	458.8	487.7	522.3	517.4	522.0	566.9	578.6	543.6	537.1
Net Fee and Commission Income	992.9	894.3	795.4	584.7	872.3	868.8	747.2	877.6	745.2
Net Gain/(Loss) from Foreign Currencies and Gold Trading	482.9	137.1	449.1	670.0	475.6	344.2	166.6	426.6	233.3
Net Gain/(Loss) from Trading Securities	185.6	46.6	367.4	36.6	23.8	-26.1	71.3	-41.2	196.4
Net Gain/(Loss) from Investment Securities	-0.6	-47.8	-0.0	446.1	-1.5	213.1	47.2	-14.0	204.1
Other Income	329.2	410.2	370.7	1,163.4	284.5	419.5	259.1	415.3	172.3
Other Expenses	99.5	366.7	385.9	350.7	102.1	346.9	56.3	129.4	109.9
Net Other Income	229.7	43.4	-15.3	812.7	182.4	72.6	202.8	285.9	62.4
Income from Capital Contribution and Long-term Investments	25.0	39.1	18.3	58.6	3.2	5.5	19.5	5.7	5.6
Operating Expenses	2,850.5	2,782.4	2,713.9	2,736.2	2,691.9	2,739.3	2,933.7	2,465.6	2,763.9
Operating Profit before Provision for Credit Losses	6,054.2	5,423.7	5,670.7	6,556.4	5,222.7	5,818.9	5,202.3	6,186.4	5,404.5
Provision for Credit Losses	686.0	1,956.6	288.9	463.0	626.1	147.7	358.2	588.1	512.2
Profit Before Tax	5,368.1	3,467.0	5,381.8	6,093.3	4,596.6	5,671.3	4,844.0	5,598.2	4,892.3
Current Corporate Income Tax Expense	1,074.0	663.3	1,081.5	1,210.7	958.6	1,086.1	971.3	1,075.3	1,066.9
Deferred Income Tax Expense	-26.2	19.1	19.7	1.5	-40.2	39.8	2.3	54.3	-80.0
Corporate Income Tax	1,047.8	682.3	1,101.2	1,212.2	918.3	1,125.9	973.6	1,129.7	986.9
Net Profit After Tax	4,320.4	2,784.7	4,280.6	4,881.2	3,678.3	4,545.4	3,870.4	4,468.6	3,905.4
Net Profit Attributable to the Equity Holders of the Bank	4,320.4	2,784.7	4,280.6	4,881.2	3,678.3	4,545.4	3,870.4	4,468.6	3,905.4
Earnings per Share	841.00	—	—	—	823.00	—	—	—	1,006.00

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Cash, Gold and Precious Stones	8,157.5	8,624.5	6,785.6	6,666.1	5,857.7	5,696.4	5,870.5	6,594.1	6,470.3
Balances with the State Bank of Vietnam	17,077.7	16,575.0	15,197.5	5,439.9	13,457.5	25,219.8	8,392.4	15,724.9	7,851.9
Placements at and Loans to Other Credit Institutions	131,619.5	149,990.7	104,925.9	125,447.3	129,347.5	117,882.3	92,090.4	105,419.1	121,950.9
Placements at Other Credit Institutions	129,619.5	149,990.7	104,925.9	125,447.3	129,347.5	117,781.3	92,090.4	103,684.3	120,068.7
Loans to Other Credit Institutions	2,000.0	—	—	—	—	151.0	50.0	1,784.8	1,932.2
Provision for Losses and Risks	—	—	—	—	—	-50.0	-50.0	-50.0	-50.0
Trading Securities	6,161.1	6,544.9	5,918.5	4,958.4	4,307.5	3,881.2	6,965.9	6,125.1	7,377.9
Trading Securities (Gross)	6,331.1	6,708.4	6,072.6	5,160.0	4,479.7	4,029.1	7,059.4	6,236.1	7,469.2
Provision for Diminution in Value of Trading Securities	-169.9	-163.5	-154.2	-201.6	-172.1	-147.9	-93.6	-110.9	-91.3
Derivatives and Other Financial Assets	—	324.3	—	—	—	56.0	267.9	—	—
Loans, Advances and Finance Leases to Customers	701,211.8	679,152.6	663,032.4	627,669.4	592,430.8	573,946.7	548,247.4	543,853.0	500,339.7
Loans, Advances and Finance Leases to Customers (Gross)	709,026.1	686,777.4	669,188.1	633,748.7	598,805.9	580,686.2	554,908.5	550,172.3	506,112.2
Provision for Losses on Loans, Advances and Finance Leases to Customers	-7,814.3	-7,624.7	-6,155.7	-6,079.3	-6,375.1	-6,739.6	-6,661.1	-6,319.3	-5,772.5
Investment Securities	147,029.4	144,164.1	133,759.6	145,778.7	129,978.3	121,090.2	100,862.4	77,089.5	67,999.6
Available-for-sale Securities	135,653.8	132,778.8	121,853.4	133,862.8	118,052.8	108,918.5	88,938.3	61,663.8	45,959.0
Held-to-maturity Securities	11,386.9	11,396.5	11,906.2	11,915.9	11,925.5	12,171.8	11,931.4	15,438.1	22,040.6
Provision for Diminution in Value of Investment Securities	-11.2	-11.2	—	—	—	—	-7.3	-12.4	—
Capital Contribution and Other Long-term Investments	74.3	74.7	126.8	124.9	126.8	124.9	127.4	128.9	140.0
Other Long-term Investments	233.7	233.7	292.9	292.9	292.9	292.9	292.9	292.9	303.4
Provision for Diminution in Value of Long-term Investments	-159.4	-159.0	-166.1	-168.0	-166.1	-167.9	-165.4	-164.0	-163.4
Fixed Assets	5,750.8	5,438.6	5,400.7	5,396.6	5,311.9	5,412.4	4,643.0	4,665.6	4,670.7
Tangible Fixed Assets	3,443.0	3,200.5	3,209.4	3,223.4	3,149.0	3,222.2	3,084.2	3,119.4	3,234.1
Tangible Fixed Assets Cost	7,151.6	—	—	—	—	—	—	—	—
Accumulated Depreciation of Tangible Fixed Assets	-3,708.7	—	—	—	—	—	—	—	—
Intangible Fixed Assets	2,307.9	2,238.1	2,191.3	2,173.2	2,163.0	2,190.2	1,558.8	1,546.1	1,436.6
Intangible Fixed Assets Cost	3,219.4	—	—	—	—	—	—	—	—
Accumulated Depreciation of Intangible Fixed Assets	-911.5	—	—	—	—	—	—	—	—
Investment Properties	157.7	149.7	103.5	62.3	177.0	177.0	177.0	177.0	177.0
Investment Properties Cost	157.7	—	—	—	—	—	—	—	—
Other Assets	13,661.0	14,811.1	13,298.7	11,997.9	10,679.6	10,518.9	9,748.6	9,901.4	10,319.9
Accounts Receivables	5,040.8	6,743.1	5,907.5	4,914.2	3,769.4	4,299.6	4,662.5	4,776.2	4,810.7
Interest and Fee Receivables	7,358.0	6,819.6	6,169.6	5,944.7	5,755.8	4,954.4	3,926.7	3,952.3	4,232.0
Deferred Income Tax Assets	43.5	17.3	36.3	56.0	57.5	17.3	57.1	59.4	113.8
Other Assets (Miscellaneous)	1,403.3	1,414.3	1,374.7	1,269.6	1,276.0	1,425.9	1,301.3	1,258.0	1,362.5
Provision for Risks in Other Assets	-184.6	-183.2	-189.4	-186.7	-179.1	-178.4	-199.1	-144.5	-199.1
Total Assets	1,030,900.7	1,025,850.1	948,549.2	933,541.4	891,674.6	864,005.7	777,392.9	769,678.7	727,298.0
Due to Government and Borrowings from the State Bank of Vietnam	32,326.6	32,976.1	20,691.6	21,026.8	18,643.3	7,954.9	19.2	15.9	66.6
Placements and Borrowings from Other Credit Institutions	151,587.1	154,999.5	129,176.1	96,259.3	101,284.1	111,591.7	73,519.7	93,760.6	89,358.9
Placements from Other Credit Institutions	118,723.8	121,314.1	94,309.5	66,175.3	71,629.3	91,574.0	59,589.1	77,935.2	79,378.6
Borrowings from Other Credit Institutions	32,863.3	33,685.4	34,866.6	30,084.0	29,654.7	20,017.7	13,930.6	15,825.4	9,980.3
Deposits from Customers	569,109.6	585,180.2	571,029.0	567,406.9	550,375.0	537,304.6	512,123.7	511,695.8	492,804.4
Derivatives and Other Financial Liabilities	13.0	—	123.7	318.8	171.3	—	—	61.8	518.3
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	17.2	19.1	22.5	24.5	26.7	28.0	31.6	33.2	37.3
Valuable Papers Issued	155,942.6	133,294.4	113,387.1	139,552.8	114,051.8	101,650.4	90,366.1	66,953.2	49,011.7
Other Liabilities	23,153.5	24,861.1	22,703.9	21,741.6	20,047.7	22,014.5	22,478.4	22,365.5	20,710.1
Interest and Fee Payables	10,794.1	8,969.1	8,732.1	8,620.2	7,904.2	7,045.4	6,409.7	6,373.4	6,416.7
Other Liabilities (Miscellaneous)	12,359.4	15,892.0	13,971.8	13,121.4	12,143.6	14,969.1	16,068.8	15,992.0	14,293.4
Total Liabilities	932,149.7	931,330.4	857,133.7	846,330.8	804,600.0	780,544.0	698,538.7	694,886.0	652,507.2
Capital and Reserves	98,751.1	94,519.7	91,415.5	87,210.6	87,074.6	83,461.7	78,854.3	74,792.7	74,790.7
Capital	51,638.3	51,638.3	51,638.3	51,638.3	44,938.4	44,938.4	44,938.4	44,938.4	39,112.3
Charter Capital	51,366.6	51,366.6	51,366.6	51,366.6	44,666.6	44,666.6	44,666.6	44,666.6	38,840.5
Share Premium	271.8	271.8	271.8	271.8	271.8	271.8	271.8	271.8	271.8
Reserves	17,583.1	17,583.1	14,789.6	14,789.6	14,789.6	14,789.6	11,557.4	11,557.4	11,557.4
Foreign Exchange Differences	-89.1	—	-319.5	-243.8	-65.4	—	-62.1	-253.2	-70.6
Undistributed Earnings after Tax/Accumulated Loss	29,618.7	25,298.3	25,307.1	21,026.5	27,412.0	23,733.8	22,420.5	18,550.1	24,191.7
Total Liabilities and Equity	1,030,900.7	1,025,850.1	948,549.2	933,541.4	891,674.6	864,005.7	777,392.9	769,678.7	727,298.0

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Receipts from Interest and Similar Income	16,682.0	15,430.4	14,824.6	14,109.8	12,525.9	12,490.7	12,947.6	12,754.4	12,038.3
Payments for Interest and Similar Expenses	-8,404.9	-8,748.8	-8,166.4	-6,897.3	-6,108.3	-5,800.6	-6,002.4	-5,404.7	-6,529.9
Receipts from Fee and Commission Income	851.2	752.6	653.8	443.1	730.6	727.2	605.5	735.9	603.5
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	674.3	163.5	769.0	1,182.2	522.1	578.2	262.6	403.5	578.7
Receipts from Other Income	166.2	-137.2	-487.1	283.1	118.4	-167.5	10.4	106.4	-113.4
Receipts from Collection of Written-off Debts	66.2	163.1	231.4	626.7	63.1	224.1	191.6	149.5	175.7
Payments for Staff Costs and Operating Expenses	-3,047.9	-2,737.4	-2,293.4	-2,387.7	-3,197.3	-2,786.9	-2,390.5	-2,109.1	-3,460.6
Corporate Income Tax Paid	-2,033.1	-19.6	-896.5	-968.4	-2,451.0	-1,560.7	-36.9	-120.2	-2,390.6
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	4,954.1	4,866.7	4,635.3	6,391.4	2,203.6	3,704.6	5,588.0	6,515.7	901.6
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	-3,528.7	1,175.6	766.3	-528.3	-3,366.2	-6,202.0	4,942.7	2,060.7	-6,323.0
(Increase)/Decrease in Trading Securities and Investment Securities	-2,488.0	-11,051.5	9,651.1	-15,025.4	-10,338.6	-16,190.2	-24,594.6	-8,861.9	6,085.4
(Increase)/Decrease in Derivatives and Other Financial Assets	324.3	-324.3	0.0	0.0	56.0	211.9	-267.9	—	—
(Increase)/Decrease in Loans and Advances to Customers	-22,248.7	-17,589.2	-35,439.4	-34,942.8	-18,119.6	-25,777.8	-4,736.2	-44,060.1	-18,510.4
(Decrease)/Increase in Provisions for Damages	-496.4	-496.0	-211.0	-752.4	-1,040.9	-68.4	-16.4	-41.4	-106.6
(Increase)/Decrease in Other Operating Assets	1,609.6	-781.3	-1,162.2	-1,243.8	821.8	-311.0	73.4	257.8	250.7
Increase/(Decrease) in Due to Government and Borrowings from State Bank	-649.5	12,284.6	-335.2	2,383.5	10,688.4	7,935.7	3.2	-50.6	66.5
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	-3,412.4	25,823.5	32,916.8	-5,024.8	-10,307.6	38,072.0	-20,241.0	4,401.8	-147.8
Increase/(Decrease) in Deposits from Customers	-16,070.6	14,151.2	3,622.1	17,031.8	13,070.4	25,180.9	427.9	18,891.4	10,101.7
Increase/(Decrease) in Valuable Papers Issued	22,646.9	19,906.0	-26,167.2	25,499.6	12,400.0	11,282.5	23,410.8	17,939.8	-3,400.0
Increase/(Decrease) in Funds Received from Government and Institutions	-1.8	-3.4	-2.1	-2.2	-1.3	-3.6	-1.5	-4.1	-4.2
Increase/(Decrease) in Derivatives and Other Financial Liabilities	13.0	—	-195.2	147.5	171.3	0.0	-61.8	-456.5	401.2
Increase/(Decrease) in Other Operating Liabilities	-2,080.4	1,606.7	543.6	583.9	-533.2	-314.5	-1,055.0	257.5	1,214.8
Payments from Reserves	-10.1	-94.0	-13.4	-8.6	-13.8	-0.5	-0.5	-0.1	-0.1
Net Cash Flows from Operating Activities	-21,438.8	49,351.0	-11,390.6	-5,490.6	-4,309.7	37,519.6	-16,528.9	-3,150.0	-9,470.4
Purchase of Fixed Assets	-351.8	-323.1	-96.6	-101.5	-180.7	-418.9	-118.8	-347.3	-34.7
Receipts from Disposal of Fixed Assets	0.0	0.1	0.1	71.1	0.9	67.3	0.8	79.6	0.2
Dividends and Profit Received	26.5	40.1	16.4	59.8	2.9	13.2	10.1	6.7	5.1
Net Cash Flows from Investing Activities	-336.5	-213.7	132.9	-46.5	-176.9	-338.5	-104.4	-260.9	-29.5
Dividends Paid and Profits Distributed to Owners	—	0.0	0.0	-4,466.7	—	0.0	0.0	-3,884.1	—
Net Cash Flows from Financing Activities	—	0.0	0.0	-4,466.7	—	0.0	0.0	-3,884.1	—
Net Cash Flows during the Period	-21,775.3	49,137.3	-11,257.7	-10,003.8	-4,486.6	37,181.1	-16,633.3	-7,295.0	-9,499.9
Cash and Cash Equivalents at Beginning of the Period	163,213.8	113,757.0	125,090.4	135,272.6	139,824.6	102,581.5	119,023.6	126,501.2	136,071.7
Exchange Difference due to Re-valuation of Ending Balances	-89.1	—	-319.5	-243.8	-65.4	—	-62.1	-253.2	-70.6
Cash and Cash Equivalents at End of the Period	141,349.4	163,213.8	113,757.0	125,090.4	135,272.6	139,824.6	102,581.5	119,023.6	126,501.2

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