{"id":49159,"date":"2026-02-02T11:46:44","date_gmt":"2026-02-02T11:46:44","guid":{"rendered":"https:\/\/ciaoup.it\/?p=49159"},"modified":"2026-02-02T11:46:44","modified_gmt":"2026-02-02T11:46:44","slug":"hdbank-posts-strong-profit-growth-with-solid-capital-base-ready-for-new-growth-cycle","status":"publish","type":"post","link":"https:\/\/ciaoup.it\/?p=49159","title":{"rendered":"HDBank posts strong profit growth with solid capital base, ready for new growth cycle"},"content":{"rendered":"

COMUNICATO STAMPA – CONTENUTO PROMOZIONALE<\/p>\n

\u00a0<\/p>\n

HCMC, VIETNAM – MediaOutReachNewswire – 2 February 2026 – The Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank, ticker: HDB) recorded pre-tax profit of over VND21.3 trillion (US$820.5 million) in 2025, up 27.4% year-on-year and exceeding its target. Profitability and core indicators remained among the strongest in the banking sector, reflecting the Bank\u2019s sustainable growth quality.\u00a0<\/p>\n

In the fourth quarter alone, HDBank posted profit of over VND6.5 trillion (US$250.3 million), a 60% increase compared to Q4 2024.\u00a0<\/p>\n

As of the end of 2025, consolidated total assets reached VND931 trillion (US$35.8 billion), up 33.5% year-on-year. Total funding mobilisation stood at VND832 trillion (US$32 billion), with customer deposits rising 28.2%.\u00a0<\/p>\n

Outstanding loans increased 34.3% to VND588 trillion (US$22.6 billion), with credit focused on sectors featuring reasonable risk profiles and long-term growth potential, including SMEs, supply chains, production and business, exports and green projects. This strategy enabled the Bank to maintain high growth while effectively managing risk.\u00a0<\/p>\n

Total operating income rose 25.4% to VND42.7 trillion (US$1.6 billion) driven by strong growth in non-interest income, which rose 2.5 times year-on-year and accounted for 18.6% of the total.\u00a0<\/p>\n

Return on equity reached 25.3%, among the highest in the sector, while return on assets stood at 2.1%. During the year, HDBank paid stock dividends and issued bonus shares with a combined ratio of nearly 30%, reaffirming its commitment to shareholders.\u00a0<\/p>\n

The non-performing loan ratioremained lowat 1.66%.The capital adequacy ratio under Basel II reached 16.7%, among the highest in the industry, providing ample room for credit growth and scale expansion without immediate pressure for capital increases.\u00a0<\/p>\n

2025 also marked a strategic milestone in HDBank\u2019s long-term strategy with the completion of the receipt of DongA Bank subsequently rebrandedas Vikki Digital Bank, a new-generation digital bank. In its first year of operation, Vikki recorded more than 2.1 million app downloads, highlighting strong growth potential in digital and retail banking.\u00a0<\/p>\n

Meanwhile, HD SAISON, a subsidiary of HDBank, posted profit of over VND1.39 trillion (US$53.5 million) with ROE of 22.5%.\u00a0<\/p>\n

HDBank now serves more than 25 million customers, with 94% of individual transactions conducted via digital channels. \u00a0<\/p>\n

Moody\u2019s upgrade of HDBank\u2019s credit rating to the top tier among Vietnamese banks in 2025 further strengthened investor confidence in the Bank\u2019s financial strength and long-term growth prospects.\u00a0<\/p>\n

\u00a0<\/p>\n

\nContatti:
\nImmediapressmedia contact :media@hdbank.com.vn\u00a0<\/p>\n<\/p>\n

COMUNICATO STAMPA – CONTENUTO PROMOZIONALE<\/p>\n

Responsabilit\u00e0 editoriale di Immediapress<\/p>\n

—<\/p>\n

immediapress<\/p><\/p>\n

\n\t\t<\/a>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"

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