AsemconnectVietnam - From the ESG strategy for the 2026–2030 period to concrete results in economics, environment, society, and governance, ACB is demonstrating that sustainable development is not only a commitment to responsibility, but also a foundation for long-term growth.

For ACB, this orientation has become increasingly concrete in recent years, as the bank has gradually integrated environmental, social, and governance factors into its strategy and operations. After more than three decades of development, these movements not only reflect adaptation to trends, but also show how ACB proactively shapes a growth model linked to responsibility and long-term values.
Successfully Building a Sustainable Development Strategy in conjunction with the overall strategy
2025 marks a significant turning point as ACB successfully develops its Sustainable Development Strategy for the 2026–2030 period. The strategy is designed as a component of the overall development orientation, aiming to integrate environmental, social, and governance (ESG) factors into business operations, risk management, and operations. Therefore, sustainability goals are not separate but become the foundation guiding long-term growth.
Simultaneously, ACB strengthens its governance mechanism by establishing a Sustainable Development Committee under the Board of Directors, bringing ESG factors to the highest decision-making level. The direct involvement of the Board of Directors and the Executive Board ensures that ESG factors are consistently guided, monitored, and integrated throughout the bank's operations.
Based on this, ACB is gradually implementing a sustainable development model linked to creating shared value (CSV) through long-term collaborations in priority areas such as health, education, and the environment. This approach demonstrates a shift from isolated activities to a value ecosystem where the interests of the bank, customers, and community are harmoniously connected based on ACB's core competencies.
Realizing the strategy through concrete actions and results
ACB concretizes its strategic directions and governance model through the implementation of sustainable development across the entire system, based on four pillars: Economic – Environmental – Social – Governance (Ec ESG). These results are summarized in the 2025 Sustainable Development Report, focusing on 12 key themes that have a significant impact on business operations and are of interest to stakeholders.
In the Economic pillar, ACB maintained a solid financial foundation with total assets exceeding VND1,025,000 billion, an increase of nearly 19% compared to 2024. Credit activities grew safely with outstanding loans of VND687,000 billion, a non-performing loan ratio below 1% (among the banks with the lowest non-performing loan ratios in the commercial sector), and a non-performing loan coverage ratio of 114%. The bank also contributed VND5,782 billion to the State budget.
In the Environmental pillar, ACB recorded significant improvements in operational efficiency: greenhouse gas emissions decreased by 12.7%, electricity consumption decreased by 9%, and gasoline consumption decreased by 32.5%. Digitalization initiatives helped reduce paper consumption by 225 tons, equivalent to 124 tons of CO₂eq, while green credit outstanding reached nearly VND395.6 billion. Based on the Sustainable Finance Framework, ACB is transparently evaluating criteria for green/social loans, supporting businesses to proactively improve their readiness for sustainable investment; thereby implementing the "Boost Green Credit – Accelerate Growth" package with a limit of VND5,000 billion in 2025, an increase of VND1,000 billion compared to 2024, for both large and small and medium-sized enterprises.
With the Social pillar, ACB focuses on improving customer experience, developing human resources, and contributing to the community. In 2025, the bank will receive and process more than 2.3 million customer requests; and provide more than 1.05 million hours of training for employees. ACB has implemented a series of community activities such as awarding 500 scholarships, 100 health insurance cards, donating VND4 billion to support flood relief efforts, and nearly VND1 billion to support the poor nationwide...
In the Governance pillar, ACB has strengthened its compliance and risk management capabilities with over 47,000 hours of in-depth training, applying technology to reduce business search time by 80% (equivalent to 1.6 million working hours per year). The bank has prevented over 37,500 fraud cases, estimated to protect over VND2,500 billion of customer assets, and completed the deployment of the IRB platform according to Basel standards.
From a foundation of over three decades of development and the refinement of its governance model linked to its overall strategy, ACB is gradually defining its direction: sustainable integration into its operations and value creation. This also serves as a foundation for the bank to continue implementing specific initiatives, expanding its impact on customers and the community in the future, while strengthening its pioneering position in creating value for sustainable development.
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Source: VITIC/Tinnhanhchungkhoan