ACB Honored Among “Top 10 Best Annual Reports” in the Financial Sector

How ACB Tells Its Growth Story Through Data

ACB’s 2024 Annual Report stands out for its structured narrative: context – strategy – execution – results. This approach helps investors clearly visualize value creation in a volatile year.

Financial metrics are presented transparently, accompanied by growth driver analyses. The report highlights ACB’s sustained profitability, cost control, and safe non-performing loan levels. Credit growth surpasses industry averages, driven by corporate and strategic clients, reflecting effective credit expansion and robust risk management. Visual charts simplify long-term trend tracking.

Alongside credit growth, ACB integrates sustainability into operations via its Sustainable Finance Framework. The report showcases audited Green and Social Credit indices, affirming its ESG commitment and comprehensive risk governance. These initiatives enable businesses to access funding for eco-friendly and social projects, solidifying ACB’s leadership in sustainable finance.

The report also highlights core operational programs: digital transformation, transaction security, customer experience enhancement, operational efficiency, and data standardization. These initiatives underscore ACB’s internal capacity upgrades, vital for sustainable growth.

When Governance Standards Become Competitive Advantage

The 2024 Annual Report emphasizes ACB’s risk and corporate governance systems. The bank has adopted international standards, including IFRS 9, Basel III, ILAAP, and internal rating models. These efforts enhance data governance, risk control, and capital management, ensuring stability amid market fluctuations and long-term competitiveness.

Domestic and international credit rating agencies consistently praise ACB’s asset quality, profitability, and risk compliance, bolstering investor and market confidence.

The “Top 10 Best Annual Reports” award recognizes ACB’s commitment to transparency and governance excellence, a cornerstone of its ESG strategy. Long-term initiatives include integrating environmental and social factors into credit risk management, implementing a sustainable finance framework, and investing in extensive employee training. ACB also expands holistic sustainability efforts across healthcare, education, and environmental protection, turning governance standards into a competitive edge while ensuring systemic safety and community impact.

This award is part of the Listed Company Awards (VLCA), Vietnam’s premier evaluation program organized by Ho Chi Minh City Stock Exchange, Hanoi Stock Exchange, Finance & Investment Newspaper, and Dragon Capital. VLCA honors companies with high-quality reports based on transparency, governance, and strategic clarity, elevating capital market disclosure standards.