Asia Commercial Joint Stock Bank (ACB.VN) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-28). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies Asia Commercial Joint Stock Bank under conventional finance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Computed from published company financials, balance sheet as of 2025-12-31. ACB.VN files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: conventional_finance
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 127.02% | 30.00% | Fail |
| Interest-bearing investments | 133.25% | 30.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 16.28% | 33.00% | Pass |
| Interest-bearing investments | 17.08% | 33.00% | Pass |
| Non-liquid assets | 82.92% | at least 20.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 16.28% | 33.33% | Pass |
| Cash + interest-bearing securities | 17.08% | 33.33% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 16.28% | 33.33% | Pass |
| Cash + interest-bearing securities | 17.08% | 33.33% | Pass |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 139.66% | 33.00% | Fail |
| Cash + interest-bearing securities | 146.51% | 33.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 149.55% | 33.00% | Fail |
| Cash + interest-bearing securities | 156.88% | 49.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 149.55% | 33.33% | Fail |
| Cash + interest-bearing securities | 156.88% | 33.33% | Fail |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 43.40 | NEUTRAL |
| Stochastic %K (14) | 7.14 | BUY |
| CCI (20) | -56.04 | NEUTRAL |
| Williams %R (14) | -92.86 | BUY |
| MACD (12,26,9) | -22.91 | SELL |
| ROC (10) | -2.65 | SELL |
| Momentum (10) | -600.00 | SELL |
| EMA (10) | 22302.12 | SELL |
| SMA (10) | 22365.00 | SELL |
| EMA (20) | 22336.96 | SELL |
| SMA (20) | 22292.50 | SELL |
| EMA (30) | 22347.92 | SELL |
| SMA (30) | 22341.67 | SELL |
| EMA (50) | 22285.79 | SELL |
| SMA (50) | 22465.00 | SELL |
| EMA (100) | 21972.55 | BUY |
| SMA (100) | 21838.71 | BUY |
| EMA (200) | 21657.73 | BUY |
| SMA (200) | 21175.70 | BUY |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Banks - Regional
Asia Commercial Joint Stock Bank provides various banking products and services to personal and business customers in Vietnam. It offers term and demand deposits, current accounts, and time deposits; credit, debit, prepaid, and corporate cards; and life, health, home, motor vehicle, cargo, property all risk, fire and special perils, installation and construction, ship, business interruption, and other insurance products. The company also provides consumer and business loans, including working capital loans, business loans, loans secured by savings books and valuable papers, fixed asset loans, home mortgage, home construction and renovation loans, secured personal loans, car and auto loans, 247 online disbursements, overdrafts, domestic commercial contract financing, commercial construction contract financing, auto distributor/dealer finance, fixed asset investment/investment project financing, real estate project finance, and financing solutions for enterprise in industrial parks. It offers international money transfer, online tax payment, foreign currency exchange and spot services; foreign exchange and financial market products; payment solutions; and bank guarantee services, including domestic, partially unsecured, overseas, joint venture contractor, and future balance guarantee services, as well as guarantee for investors. The company also engages in the debt factoring activities; trust and fiduciary activities; bond trading; online insurance, securities depository, and financial leasing services; securities deposit services; corporate finance consultancy services and securities underwriting services; and investment fund management and asset management services. It provides commodity derivatives; trade securities; discount commercial papers, bonds, and other valuable papers; clearing and settlement services for securities transactions; and digital and other banking services. The company was founded in 1993 and is headquartered in Ho Chi Minh City, Vietnam.
Background via Yahoo Finance — informational, not part of the verdict.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-08 · Asset managers net 912361 (-21819)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.