On 12 January 2017, Asia Commercial Bank announced the results of private placement of bonds as follows: ACB successfully issued VND 1,054 billion of bonds with term of 10 years and floating interest rate changed once per year as follows: First 5 years: Interest rate = Reference interest rate + 2%/year. Next 05 years: Interest rate = Reference interest rate + 2.5%/year. Reference interest rate = average deposit interest rate (12 months) of 2 banks - Vietcombank HCM and Agribank HCM.