This year's General Meeting of Shareholders has a special significance, HDBank celebrates 35 years of operation and 10 years of comprehensive innovation, marking the Bank's strong rise in its journey to become a modern, high-growth, sustainable and effective banking and finance group in the leading group of the whole industry.
According to the document, the Congress will be held on April 24, 2025 in the form of online, with the main bridge in Ho Chi Minh City. Ho Chi Minh. The annual General Meeting of Shareholders in 2025 is expected to discuss and approve the reports of the Board of Directors, the Supervisory Board, through the individual and consolidated financial statements in 2024, the report on the business plan in 2025, the distribution of profits in 2024 ... and some other contents under the congress competence.
According to the document, in 2025, HDBank will continue to plan for high growth while building a multi-functional banking and finance group model on a digital platform, effectively managing according to the best international standards.
The target by the end of 2025 is that total assets are expected to reach over VND 890 trillion, an increase of 28% compared to 2024. Mobilized capital is expected to exceed VND792 trillion, up 28%. Outstanding loans reached VND580 trillion, up 32% and in line with the growth limit assigned by the SBV.
Pre-tax profit is expected to reach VND 21,179 billion, up 27% compared to 2024. Operating efficiency indicators continue to be in the highest group in the industry, with ROE reaching 26.2% and ROA reaching 2.15%. The bad debt ratio (according to regulations) is expected to be below 1.5%.
At the same time, HDBank continues to implement key programs, including expanding customer base along value chains; providing retail banking, consumer finance, modern and diverse investment solutions on digital platforms; developing green and sustainable credit, agricultural and rural credit; optimizing operational efficiency and customer experience.
In 2024, HDBank has made important strides with digital business programs, with the rate of individual customers' financial transactions via digital channels reaching 95%, over 80% of new customers are attracted via digital channels. The bank currently serves over 20 million customers. With the launch of Vikki digital bank, HDBank continues to show strong digital business capacity, pioneering spirit in implementing business strategies and new opportunities.
The 2025 planning targets just announced in the congress documents are quite challenging in the context of the economic picture still having many fluctuations. However, with the results exceeding the plan in 2024 and much room for development, nearly 30,000 shareholders of the bank are preparing for a fairly optimistic HCMC with HDBank's growth and governance capacity.
