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 September 11, 2019 [ACB 2017 SITUATION]


1.GENERAL INFORMATION
• The bank’s name:
- Full name in Vietnamese: Ngân hàng thương mại cổ phần Á
Châu
- Abbreviated name in Vietnamese: Ngân hàng
Á Châu
- Full name in English: Asia Commercial Joint Stock Bank
- Abbreviated name in English: ACB
• Business Registration Certifcate No.: 0301452948
- Date of frst registration: 19 May 1993
- The thirty-one registration: 09 March 2017
 Chartered capital:
» VND 10,273,238,960,000 (In words: Ten trillion
two hundred and seventy-three billion two
hundred and thirty-eight million nine hundred
and sixty thousand Vietnam dong.)
• Address: 442 Nguyen Thi Minh Khai Street,
Ward 5, District 3, Ho Chi Minh City, Vietnam.
• Phone number: (+84) (283) 929 0999
• Fax: (+84) (283) 839 9885
• Website: www.acb.com.vn
• Stock code: ACB
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 September 11, 2019 [ACB 2017 SITUATION]


Establishment:
Asia Commercial Joint-Stock Bank (ACB) was
established under the Business License No. 0032/
NH-GP dated 24 April 1993 by the State Bank
of Vietnam (SBV) and Establishment Permit No.
533/GP-UB dated 13 May 1993 by the People’s
Committee of Ho Chi Minh City. ACB started
operations on 04 June 1993.
ACB listed on Hanoi Securities Trading Center
(now re-named as Hanoi Stock Exchange – HNX)
pursuant to Decision No. 21/QĐ-TTGDHN dated
31 October 2006. The frst transaction date was 21
November 2006.

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 September 11, 2019 [ACB 2017 SITUATION]


2.HISTORY
Establishment phase, initially oriented toward individual customer
1993 and SMEs

Commercial joint-stock bank invested in issuing Master Card

1996

Standard charter bank (SCB) become a strategic shareholder,

2005 comprehensive technical support

offically listed and traded on Hanoi index

2006

Had a serious problem in lending activities related to the former vice

2012 president

Launched a series of digital banking services aimed at individual

2015 customers

Officially completing the handling of bad debt of group 6 companies,

2017 opening up prospects for future growth

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 September 11, 2019 [ACB 2017 SITUATION]


3.Ownership:
President & CEO: Do Minh Toan
Currently, foreign room room at ACB was closed at 29.83% after being
adjusted due to dividend payment in 2018, of which Dragon Financial
Holdings Limited (owned by Dragon Capital) held 6.84%; 2 Whistler
Investments Limited and Sather Gate Investments Limited replaced
Standard Charter Bank from May 2018, holding 9.95% of the Bank's
charter capital. Management and related persons currently hold
about 12% of ACB shares. The family group of "Bau Kien" currently
holds over 10% of ACB shares.

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 September 11, 2019 [ACB 2017 SITUATION]


Figure 1: Ownership structure ACB

14.35%

Domestic institution

Foregin institution

Domestic individual

Foregin individual
55.65%
30%

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 September 11, 2019 [ACB 2017 SITUATION]


4.Operation scale
Market share

Figures 2: Loans market share

ACB VCB

BID CTG

MBB,TCB,VPB,STB,HDB

Figures 3: Deposit market share

ACB
VCB
BID
CTG
MBB, TCB, VPB, STB, HDB

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 September 11, 2019 [ACB 2017 SITUATION]


Currently, the bank holds 4.28% market share of deposits and 3.41%
market share of loans (Figures 2 & 3), ranking the second among
commercial banks. With the rapid increase in market share in recent
years, it shows that ACB is gradually regaining its position as the
leading joint stock commercial bank in Vietnam, as before 2012.
Size
As of 31 December 2017, ACB had 354 branches and sub branches in
47 provinces and cities nationwide.

5.Bank’s size
Growth chart

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 September 11, 2019 [ACB 2017 SITUATION]
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 September 11, 2019 [ACB 2017 SITUATION]
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 September 11, 2019 [ACB 2017 SITUATION]
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 September 11, 2019 [ACB 2017 SITUATION]
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Balan

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 September 11, 2019 [ACB 2017 SITUATION]
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ce sheet and income statement highlights

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 September 11, 2019 [ACB 2017 SITUATION]
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6.Main business
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 September 11, 2019 [ACB 2017 SITUATION]


 Mobilizing short, medium and long-term capital in

various forms term deposits, demand deposits.
 Short, medium and long-term loans.
 Payment services between customers, conducting
business foreign currencies, gold and silver and
international payment.
 Factoring activity; insurance agent; Purchase and
sale of bonds; trust activities and trustee activities
before "insurance agents"
 Providing financial leasing services; Commercial
paper discount, bond and valuable papers;
brokerage and investment advisory securities.

7.Distribution
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 September 11, 2019 [ACB 2017 SITUATION]


Big Data
ACB is building a framework for big data
management and analytics to acquire insights
of customers and to make more accurate
decisions regarding business tools, products,
and utilization of market potential.
In 2017, ACB continued to allocate funds and make
strategic investment in long-term developments,
including upgrading IT infrastructure, increasing
staffing costs and attracting talent, and organizing
many creative contests to drive ACB forward in the
financial “fintech” revolution.

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