Credit and mobilization grow high in the leading top
As of March 31, 2026, HDBank's total assets reached 984. 216 billion VND, an increase of 5.7% compared to the end of 2025. Total outstanding loans reached 635. 085 billion VND, a growth of 8%, higher than the industry average (estimated at about 3.18%), focusing on priority sectors and growth drivers of the economy. Total capital mobilization in the period exceeded 880 trillion VND, an increase of 5.9%; of which customer deposits exceeded 725 trillion VND, an increase of 11.9%, reflecting HDBank's confidence and position in the market.
In the first quarter of 2026, HDBank recorded total operating income of nearly 10,000 billion VND, a sustainable growth thanks to the positive contribution from core activities and digital business targets continuing to grow strongly.
Pre-tax profit reached 6,107 billion VND, an increase of 14% compared to the same period. ROE ratio reached 24.29% - continuing to be in the leading group of the whole industry. Capital adequacy ratio (CAR) according to Basel II reached 16.16%, a sharp increase compared to 14.32% in the same period and high in the top of the market. Bad debt ratio (according to Circular 31 SBV) is low at 1.86%. The ratio of outstanding debt to total mobilized capital (LDR) is controlled at only 69.8%, other safety indicators are guaranteed.
The digital business strategy continued to break through in the announced period, with the number of transactions through digital channels recording a growth rate of 35% and transaction value increasing by 106% compared to the same period. The effectiveness of the comprehensive digitalization strategy helps HDBank optimize operations, improve operating efficiency and reduce the cost-to-income ratio (CIR) to below 26%.
Multi-functional ecosystem expands growth momentum
In the first quarter of 2026, HDBank's multi-functional financial ecosystem continued to record strong breakthroughs from member units, shaping new growth axes for the 2026-2030 period.
After a year of transformation, Vikki Digital Bank recorded positive growth, gradually affirming its position in the market. At the same time, Vikki Bank was honored with two categories "Best Digital Savings Bank" and "Best Integrated Card Product - VikkiONE Connect" at the Vietnam Leading Brand 2026 award ceremony organized by the Asian Institute of Economics on April 25.
HD SAISON maintains its leading position in the consumer finance segment, with a profit of VND 339 billion in the first quarter of 2026, operating efficiency maintained a high level in the industry. The HD SAISON mobile application officially reached nearly 4.5 million downloads by the end of the announced period.
HD Securities Company (HDS) recorded strong growth in code with revenue reaching VND 461 billion, up 89% and after-tax profit reaching VND 284 billion, up 261% compared to the same period.
Elevating international position, consolidating the foundation of credibility
HDBank continues to implement the "HDBank Global" strategy, expanding connections with the international capital market through cooperation with the London Stock Exchange and initiatives related to the Vietnam International Finance Center (VIFC), towards diversifying capital sources and improving governance standards.
In April 2026, global credit rating organization Moody's adjusted HDBank's credit rating outlook from "Stable" to "Positive". This assessment reflects expectations for a roadmap to strengthen equity along with the ability to maintain high profitability, thereby strengthening the capital buffer and improving risk absorption capacity in the context of positive credit growth. The "Positive" outlook also opens up room for upgrades in the near future.
Positive business results achieved right in the first quarter of the year are a positive sign of a year of acceleration and strong growth of HDBank and its member units, towards completing and exceeding the business plan and important strategic programs just approved by the Annual General Meeting of Shareholders.
