ACB – Brief – [NONRATED] – Strengthened asset quality

2Q25 PBT rose by +8.8%yoy to VND6,093bn thanks to higher non–interest incomes from FX activities, investment, and bad-debt collection and lower risk provision expenses (-21.3%yoy). 1H25 PBT reached VND10,690bn, up +1.9%yoy, completing 46% of the 2025 target.