When 94% of transactions are carried out through digital channels, banking services are increasingly deeply present in customers' daily lives.
This is a typical milestone in HDBank's retail strategy, besides scale, ecosystem strength, market coverage - factors that contribute to making HDBank the first Vietnamese bank to receive the title "Asia's Best Retail Bank 2026" honored by the international financial magazine Euromoney.
Along with the highest title in the retail banking sector in Asia, HDBank was also awarded two awards "Best Retail Bank in Vietnam" (Vietnam's Best Retail Bank) and "Best Bank for SMEs in Vietnam" (Vietnam's Best Bank for SMEs). The bank also participates in the group of fast-growing banks in Asia - Pacific in 2026.
94% of transactions on digital channels, serving more than 34 million customers
Behind this trio of prestigious awards is HDBank's journey to bring financial services closer to each need in life: from accounts for students, salary payment solutions for employees, capital sources suitable for farmers' production cycles to payment services, cash collection and other digital utilities.
In 2025, HDBank's digital transaction volume increased by 45% compared to the previous year; 94% of the total transactions were carried out through digital channels.
Customers can open accounts on many platforms, transact conveniently, access 24/7 support services and use products designed according to each need. HDBank Pro, HDB SkyOne account packages; co-branded cards with Vietjet, Petrolimex, ePass; Happy Di-Payroll or HDBank Loyalty program linked to SkyJoy have connected banking services with customers' financial needs.
This strategy creates growth in both scale and depth. In just one year, HDBank's retail customer base increased by nearly 35%, from 6.3 million to 8.5 million people. Along with rapidly expanding customer base, the average number of products per customer is at 2.25, reflecting the ability to understand needs and build long-term relationships.
The quality of experience is also measured by specific indicators. In 2025, the customer satisfaction and willingness to introduce (NPS) index reached 70 points, belonging to the "Very Good" group.
Currently, the financial ecosystem including HDBank, Vikki Bank and HD SAISON is serving more than 34 million customers. Along with digital channels, a network of nearly 380 bank transaction points and more than 27,000 financial transaction points has created a large connectivity capacity, helping banks expand their access to financial services to many customer groups.
Growth platform brings HDBank to regional level
A solid retail platform continues to contribute to positive business results. As of June 30, 2026, HDBank's total assets reached VND 1,045 million billion, up 12.3% compared to the beginning of the year; outstanding loans reached VND 698,355 billion, up 18.76%. Pre-tax profit reached VND 13,202 billion, up 31% over the same period; ROE reached 25.4% and ROA reached 2.17%.
These results are further strengthened by independent assessments from international credit rating organizations. Fitch Ratings for the first time rated HDBank's long-term issuer at BB-, "Stable" outlook - in the highest group for Vietnamese banks; Moody's raised HDBank's rating outlook to "Optim".
In the SME segment, HDBank develops a value chain financing model, connecting businesses with chain-leading partners, suppliers, distributors and agents. The bank also expands green financial solutions for renewable energy, high-tech agriculture and projects meeting environmental - social standards.
According to Euromoney, HDBank stands out thanks to its ability to develop retail banking on a large scale, based on a combination of digital capacity, deep coverage in the Vietnamese market, ecosystem strength and comprehensive financial orientation.
Organized since 1992, Euromoney Awards for Excellence is one of the oldest and most prestigious awards in the global financial - banking industry. HDBank becoming the first Vietnamese bank to be honored as "Best Retail Bank in Asia" not only recognizes an effective retail strategy, but also marks a new step forward for Vietnamese banks on the regional financial map.
