Asia Commercial Joint Stock Bank (STC:ACB) Net Loan: ₫700,335,378 Mil (As of Mar. 2026)

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STC:ACB Asia Commercial Joint Stock Bank STC:ACB
73 GF Score
Price ₫22,850.00
GF Value ₫20,913.59
Valuation Fairly Valued
! 5 Warning Signs
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What is Asia Commercial Joint Stock Bank Net Loan?

Asia Commercial Joint Stock Bank STC:ACB 73 Net Loan is ₫700,335,378 Mil as of Mar. 2026. GuruFocus rates STC:ACB with a GF Score™ of 73/100 and a GF Value™ of ₫20,913.59 (Fairly Valued). The stock has 5 warning signs investors should review.

Asia Commercial Joint Stock Bank's quarterly net loan increased from Sep. 2025 (₫660,625,573 Mil) to Dec. 2025 (₫676,467,404 Mil) and increased from Dec. 2025 (₫676,467,404 Mil) to Mar. 2026 (₫700,335,378 Mil).

Asia Commercial Joint Stock Bank's annual net loan increased from Dec. 2023 (₫480,714,112 Mil) to Dec. 2024 (₫676,467,404 Mil) and increased from Dec. 2024 (₫676,467,404 Mil) to Dec. 2025 (₫700,335,378 Mil).

Asia Commercial Joint Stock Bank Net Loan Historical Data

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The historical data trend for Asia Commercial Joint Stock Bank's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Asia Commercial Joint Stock Bank Net Loan Chart

Asia Commercial Joint Stock Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 360,901,645.00 410,984,071.00 480,714,112.00 571,785,806.00 676,467,404.00

Asia Commercial Joint Stock Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 590,162,102.00 625,278,620.00 660,625,573.00 676,467,404.00 700,335,378.00
STC:ACB
73GF Score
Asia Commercial Joint Stock Bank STC:ACB
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Asia Commercial Joint Stock Bank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of ₫700,335,378 Mil mean?
Asia Commercial Joint Stock Bank (STC:ACB) has a Net Loan of ₫700,335,378 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Asia Commercial Joint Stock Bank and its competitors.
Is Asia Commercial Joint Stock Bank's Net Loan too high?
Asia Commercial Joint Stock Bank's current Net Loan is ₫700,335,378 Mil. Overall, Asia Commercial Joint Stock Bank has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Asia Commercial Joint Stock Bank's Net Loan compare to competitors?
Asia Commercial Joint Stock Bank's Net Loan of ₫700,335,378 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Asia Commercial Joint Stock Bank and its competitors. Asia Commercial Joint Stock Bank's current Net Loan is ₫700,335,378 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank (STC:ACB) is currently considered Fairly Valued. The stock's GF Value™ is ₫20,913.59, compared to a current price of ₫22,850.00 — trading 9.3% above its estimated fair value. The current Net Loan is ₫700,335,378 Mil. Asia Commercial Joint Stock Bank's overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Asia Commercial Joint Stock Bank (STC:ACB), the current Net Loan is ₫700,335,378 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Asia Commercial Joint Stock Bank (STC:ACB) Overvalued in 2026?

Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank stock appears to be overvalued. The current stock price of ₫22,850.00 is trading 9.3% above its estimated GF Value™ of ₫20,913.59. GuruFocus considers Asia Commercial Joint Stock Bank to be Fairly Valued.

Key valuation signals for STC:ACB:

  • Net Loan: ₫700,335,378 Mil
  • GF Value™: ₫20,913.59 vs. price of ₫22,850.00 (9.3% above fair value)
  • GF Score™: 73/100 with 5 warning signs

No single metric tells the full story. See the STC:ACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Asia Commercial Joint Stock Bank Business Description

Address 442 Nguyen Thi Minh Khai Street, Ward 5, District 3, Ho Chi Minh, VNM
Asia Commercial Joint Stock Bank and its subsidiaries (the Group) mobilise short, medium, and long-term funds, receive entrusted investment funds, borrow from financial institutions, grant loans, discount commercial papers and bonds, provide settlement services, trade foreign currencies and gold, offer trade finance, and perform approved overseas services. The Group also conducts debt factoring, bond trading, fiduciary activities, commodity derivatives, insurance agency, securities depository and clearing, finance leasing, securities trading and consultancy, corporate finance services, investment fund and asset management. Its segments are Banking, Securities trading, Asset management, Finance Leasing, and Fund Management, operating in the northern, central, and southern regions.
73GF Score

Get the complete analysis for STC:ACB

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫22,850.00
Price
₫20,913.59
GF Value