HDBank: Impressive profit growth, leading in profitability and advancing international integration

DNHN - Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank, stock code HDB) announced its consolidated profit before tax for the first 9 months of 2025 reached VND 14,803 billion, marking a 17% increase year-on-year (YoY).

 Profitability indicators remain among the top in the system, with Return on Equity (ROE) reaching 25.2% and Return on Assets (ROA) at 2.1%, reflecting highly efficient operations and a robust financial foundation.

As of September 30, 2025, HDBank's total assets reached VND 782 trillion, reflecting 12.1% growth since the beginning of the year (YTD). Credit balance grew by 22.6%, focusing on priority sectors and essential business production. The separate Non-Performing Loan (NPL) ratio stood at 1.97%. The Capital Adequacy Ratio (CAR) under Basel II reached 15%, ranking among the highest in the sector.

Non-interest income (NOII) reached VND 5,366 billion, soaring by 178.6%. This growth is a result of the Bank's strategic emphasis on income diversification, primarily driven by strong digitalization strategies. Digital channel transactions surged by 47% to represent 94% of total retail transactions, optimizing the Cost-to-Income Ratio (CIR) to 25.7%, one of the lowest across the sector. HDBank currently serves over 20 million customers, affirming its position as a modern, customer-friendly bank committed to sustainable growth.

Subsidiaries and Affiliate entities also recorded positive results:

HD SAISON achieved a profit of VND 1,100 billion and an ROE of 24.4%, maintaining its leading position in consumer finance.

HD Securities reported a profit of VND 614 billion, marking a 30% increase YoY, and maintained its leading ROE position across the securities sector.

Vikki Bank recorded profitable after 7 months of transition, attracting over 1.3 million new customers and launching the Vikki Café model – a new-generation experience branch.

Significantly, HDBank will seek shareholder approval for a 30% total dividend and bonus share ratio for 2025 (including 25% stock dividend and 5% bonus shares), which aligns with the Bank’s long-standing commitment of sustained and high dividend distribution.

Following the revised Decree 69, HDBank's foreign ownership limit has been raised to 49%, enhancing the ability to attract foreign investment and strengthening stock liquidity.

During the official visit of General Secretary To Lam to the United Kingdom of Great Britain and Northern Ireland, the London Stock Exchange (“LSE”) proceeded to discuss a Memorandum of Understanding (“MOU”) establishing a framework for cooperation and support for HDBank. This framework is aimed at promoting listing opportunities and international capital mobilization for HDBank, its member companies, and its clients, as well as expanding promotion and access to global investors through the London capital market.

With outstanding profitability, an attractive dividend policy, and a clear strategy for digitalization and international integration, HDBank is expected to continue its double-digit growth momentum, reinforcing its position among the most high-performing and profitable banks in Vietnam.

Quoc Anh