Asia Commercial Joint Stock Bank

Asia Commercial Joint Stock Bank ROA

The Return on Assets (ROA) of Asia Commercial Joint Stock Bank (ACB.VN) as of Oct 23, 2026 is 1.90 %. In the previous year, Return on Assets (ROA) was 2.21 % — a change of -14.22% (lower).

ROA

1.90 %

YoY

-14.22%

Last updated:

In 2024, Asia Commercial Joint Stock Bank's return on assets (ROA) was 1.90 %, a -14.22% increase from the 2.21 % ROA in the previous year.

The Asia Commercial Joint Stock Bank ROA history

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ROA
Date
ROA
Jan 1, 2017
0.69 VND
Jan 1, 2018
1.51 VND
Jan 1, 2019
1.54 VND
Jan 1, 2020
1.71 VND
Jan 1, 2021
1.79 VND
Jan 1, 2022
2.23 VND
Jan 1, 2023
2.21 VND
Jan 1, 2024
1.90 VND
The Asia Commercial Joint Stock Bank ROA history
YEARROAYoY
1.90 %-14.22%
2.21 %-0.71%
2.23 %+24.35%
1.79 %+5.00%
1.71 %+10.70%
1.54 %+1.76%
1.51 %+118.75%
0.69 %+26.85%
0.55 %+7.96%
0.51 %-2.57%
0.52 %—

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Asia Commercial Joint Stock Bank Stock analysis

What does Asia Commercial Joint Stock Bank do? Asia Commercial Joint Stock Bank offers consumer banking services including deposits, payment accounts, savings accounts, payment services, credit cards, consumer loans, bancassurance, e-wallets, and tailored packages for specific clienteles. Corporate banking services encompass short, medium, and long-term credit, deposits, international and domestic payment services, trade financing, guarantee services, money and liquidity management, and forex trading. The bank generates revenue through these financial products and services provided to individual and corporate clients. The bank serves individual customers seeking personal banking solutions and corporate clients requiring business financing and financial management. Correspondent banking relationships with global banks facilitate international transactions and support cross-border services for its clients. Revenue streams include fees from credit cards, consumer loans, corporate credit, and transaction-based services across both consumer and corporate segments. The bank's product portfolio targets retail and corporate banking segments with a focus on comprehensive financial solutions. Services like e-wallets and customized packages cater to evolving customer needs in Vietnam's growing market. Corporate clients benefit from trade financing and forex trading services, while individual clients access consumer loans and credit cards for personal financial management. Asia Commercial Joint Stock Bank is one of the most popular companies on Eulerpool.

ROA Details

Understanding Asia Commercial Joint Stock Bank's Return on Assets (ROA)

Asia Commercial Joint Stock Bank's Return on Assets (ROA) is a key performance indicator that measures the company's profitability in relation to its total assets. It is calculated by dividing the net income by the total assets. A higher ROA indicates efficient asset utilization to generate profits, reflecting managerial effectiveness and financial health.

Year-to-Year Comparison

Comparing Asia Commercial Joint Stock Bank's ROA year-over-year provides insights into the company’s operational efficiency and asset utilization trends. An increasing ROA demonstrates enhanced asset efficiency and profitability, while a declining ROA can indicate operational or financial challenges.

Impact on Investments

Investors consider Asia Commercial Joint Stock Bank's ROA as a crucial metric to evaluate the company’s profitability and efficiency. A higher ROA signifies that the company is effectively utilizing its assets to generate profits, making it a potentially attractive investment.

Interpreting ROA Fluctuations

Variations in Asia Commercial Joint Stock Bank’s ROA can be attributed to changes in net income, asset purchases, or operational efficiencies. Analyzing these fluctuations assists in assessing the company's financial performance, management efficiency, and strategic financial positioning.

Frequently Asked Questions about Asia Commercial Joint Stock Bank stock

Return on Assets (ROA) of Asia Commercial Joint Stock Bank is 1.90 % in 2024.

Return on Assets (ROA) of Asia Commercial Joint Stock Bank changed from 2.21 % to 1.90 %, representing a -14.22% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of Return on Assets (ROA) Asia Commercial Joint Stock Bank since 2006 – with annual values, charts, and detailed analysis.

Return on Assets, also known as ROA, is a financial metric used to measure a company's profitability. It is used to determine how effectively a company uses its assets to generate profits. It is also referred to as the ratio of net income to total assets. ROA is an important indicator of a company's overall financial performance as it measures the company's ability to generate more profit from the assets it employs.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Return on Assets (ROA)'s Asia Commercial Joint Stock Bank with sector peers and the industry average to assess whether it is attractive.

To evaluate Return on Assets (ROA)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Return on Assets (ROA).

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Profitability — Asia Commercial Joint Stock Bank

All Key Metrics — Asia Commercial Joint Stock Bank