An Binh Commercial Joint Stock Bank
An Binh Commercial Joint Stock Bank operates as a commercial bank in Vietnam, providing a range of banking services including deposits, loans, and investment services to generate revenue.
Business. An Binh Commercial Joint Stock Bank (ABB.HNO) is a banking institution operating within the Financials sector, specifically engaged in providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available data. Consequently, the company is described at the industry level without further geographic or segmental breakdown.
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
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Synthesis
An Binh Commercial Joint Stock Bank (ABB.HNO) is a banking institution operating within the Financials sector, specifically engaged in providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available data. Consequently, the company is described at the industry level without further geographic or segmental breakdown.
An Binh Commercial Joint Stock Bank has a total equity of VND 13,632,970,000,000 and a debt-to-equity ratio of 1.23, indicating a moderate level of leverage. The bank's liquidity is assessed as medium, with a negative net cash position after subtracting total debt. Free cash flow stands at VND 125,478,000,000, suggesting the bank has some capacity to fund operations and investments without external financing.
Profitability metrics show a return on equity (ROE) of 1.13% and a return on assets (ROA) of 0.11%, both of which are below the typical performance benchmarks for banks. These figures indicate that the bank is generating relatively low returns on its equity and asset base compared to industry expectations.
The bank's revenue is concentrated in its domestic operations, with no disclosed international revenue segments. This concentration may expose the bank to local economic and regulatory risks. The bank's primary revenue source is its core banking services, with no significant diversification into other financial products or markets.
Looking ahead, the bank's revenue is expected to grow, though the exact rate is not specified. Historical revenue data shows a strong performance, with a total revenue of VND 660,703,000,000. The bank's capital expenditure is negative, indicating a reduction in capital spending, which may reflect a strategic shift or a focus on cost management.
The bank faces several risk factors, including liquidity concerns due to its negative net cash position. The risk of dilution is assessed as low, with no significant dilution potential identified. However, the bank's leverage and liquidity position suggest that it may need to manage its debt levels carefully to maintain financial stability.
Recent events and filings do not indicate any major changes in the bank's operations or strategic direction. The bank continues to operate within the Vietnamese banking sector, with no disclosed plans for international expansion or significant restructuring.
- An Binh Commercial Joint Stock Bank has a moderate level of leverage with a debt-to-equity ratio of 1.23.
- The bank's profitability is relatively low, with a return on equity of 1.13% and a return on assets of 0.11%.
- Revenue is concentrated in domestic operations, with no significant international exposure.
- The bank's liquidity is assessed as medium, with a negative net cash position after subtracting total debt.
- The risk of dilution is low, and the bank has a negative capital expenditure, indicating a reduction in capital spending.
Bull / Bear case
Generated · model-assistedNet income surged 379.7% year-over-year to 2.8 trillion VND, demonstrating exceptional recent profitability acceleration.
Free cash flow increased 514.4% year-over-year, indicating a massive improvement in cash generation capabilities.
Total assets grew 24.8% year-over-year, reflecting significant balance sheet expansion and operational scale increase.
Revenue rose 67.7% year-over-year, showing strong top-line growth momentum in the latest fiscal period.
Cash conversion ratio is best-in-class at 26.91, vastly outperforming the bank cohort median of 1.15.
Return on equity is 1.13%, placing it in the bottom quartile compared to the bank cohort median of 6.1%.
Return on assets is merely 0.11%, signaling extremely inefficient utilization of the bank's total asset base.
Debt-to-equity ratio stands at 1.23, significantly higher than the bank cohort median of 0.29.
The company faces medium liquidity risk, which could constrain operational flexibility or increase funding costs.
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- Net cash is negative after subtracting total debt.
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- An Binh Commercial Joint Stock Bank Market data — financials · 2026-05-27