On April 24, Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank - HOSE: HDB) successfully held the 2026 Annual General Meeting of Shareholders, combined with an investor dialogue program, attracting a large number of shareholders, international investment funds and large financial institutions.
The congress is held online, creating a transparent exchange space between the Board of Directors and the investor community. Currently, HDBank has more than 38,000 shareholders, including over 156 foreign organizations. The event takes place at Galaxy Innovation Hub (GIH) - the bank's innovation center, and is also the first project in Vietnam to achieve the UL SPIRE smart building certification from UL Solutions (USA).
Solid foundation for a new growth cycle
Speaking at the opening, Mr. Kim Byoungho - Chairman of HDBank's Board of Directors emphasized the adaptability and discipline in HDBank's development strategy in the face of a volatile economic context.
In 2025, the bank recorded positive business results with pre-tax profit reaching 21,346 billion VND, an increase of 27.6% compared to the previous year. Efficiency indicators are maintained at a high level, with ROE reaching 25.3%, ROA 2.1% - belonging to the leading group in the market. The bad debt ratio is controlled at 1.66%, while the capital adequacy ratio (CAR) reaches 16.7%, in the highest group in the system. The CIR index decreased to 27.2%, and dividends are maintained at 30%.
Sharing at the Congress, Prof. Dr. Nguyen Thi Phuong Thao - Standing Vice Chairman of the Board of Directors said that the role of the bank is not only in scale but also in the ability to "carry" the economy. According to her, each financial figure is associated with human value and social responsibility.
Profit target exceeds 30,000 billion VND
The General Meeting approved the business plan for 2026 with many high growth targets. Accordingly, HDBank sets a pre-tax profit target of over VND 30,000 billion, an increase of 41% compared to 2025.
Total assets are expected to reach nearly 1.2 million billion VND, an increase of 28%, while outstanding credit balance reaches more than 804,000 billion VND, an increase of 37%. Equity is expected to reach over 110,000 billion VND, continuing to maintain dividends at 30%.
This is considered the starting point for a new growth cycle in the 2026-2030 period, with the orientation of elevating HDBank to become a large-scale, highly efficient and sustainable financial institution.
Building an integrated financial ecosystem
One of the key contents at the Congress is the strategy to develop a multi-functional financial ecosystem. HDBank is gradually completing the integrated model with pillars including commercial bank, Vikki Bank digital bank, HD SAISON consumer finance company and HDB Securities (HDS) securities company.
According to bank leaders, this ecosystem is designed to create synergistic value and increase adaptability to market fluctuations.
In 2025, HD SAISON achieved a profit of 1,100 billion VND with a ROE of 22.5%, while HDS recorded a profit of more than 1,000 billion VND, a growth of 93%. Notably, Vikki Bank made a profit after only 7 months of operation and attracted more than 2.5 million customers.
The reception and restructuring of Dong A Bank to transform into Vikki Bank is also considered a step of significance not only in business but also contributing to stabilizing the financial system.
Promoting international capital connectivity
Dr. Philipp Rösler - former Deputy Chancellor of Germany, Senior Advisor of HDBank - said that pioneering financial institutions will play an important role in connecting international capital flows with fast-growing economies like Vietnam.
In this strategy, HDBank is strengthening cooperation with the London Stock Exchange (LSE), participating in initiatives of the International Financial Center in Ho Chi Minh City, and expanding access to the global capital market.
With a solid financial foundation, clear strategy and international integration orientation, HDBank is gradually affirming its position in the leading group of private commercial banks in Vietnam, aiming to serve tens of millions of customers in the new development phase.
