The ratings for HDBank are among the highest, reflecting a solid financial foundation, high efficiency and sustainability.
Specifically, HDBank is rated as a long-term debt issuer at BB- with "Stable" Prospects. In which, the long-term debt issuer rating in both domestic and foreign currency is assessed at BB-. Notably, HDBank's Internal Capacity Assessment is at bb-, the highest level that Fitch has for Vietnamese banks.
Comparing according to equivalent conversions between credit rating scales of international rating organizations, the BB- level that Fitch just awarded to HDBank is one level higher than the B1 rating previously given by Moody's credit rating agency, continuing to reflect solid progress in the financial capacity and credit quality of this bank.
According to Fitch Ratings, the ratings reflect high profitability, stable mobilized capital sources and HDBank's increasingly strong position in the Vietnamese banking industry. This organization also assesses that the positive growth prospects of the Vietnamese economy will continue to create favorable conditions for the operation of the banking industry in the coming time.
Fitch Ratings noted that HDBank has maintained strong growth momentum in asset and credit scale in recent years, while constantly expanding its presence in the retail and small and medium-sized enterprise (SME) segments. According to the organization's assessment, HDBank's profitability continues to be good compared to many other banks, supported by net profit margins and high operating efficiency.
Notably, Fitch Ratings expects HDBank's capital capacity to continue to be improved, from the current market leading level, through capital increase plans approved by shareholders, helping to increase the financial buffer to be ready to respond to all risks while creating a foundation for medium and long-term growth.
The fact that Fitch Ratings ranked it high for the first time with the "Stable" Prospects not only recognizes HDBank's solid financial foundation and management quality according to the best international standards, but also creates more grounds for the bank to expand its access to international capital markets, diversify capital sources and reduce capital mobilization costs.
Previously, in April 2026, Moody's upgraded HDBank's Credit Rating Prospects from "Stable" to "Positive", with high appreciation for the bank's financial capacity, asset quality and development prospects.
At the end of the first quarter of 2026, HDBank continued to maintain its growth trajectory with pre-tax profit reaching 6,107 billion VND, an increase of 14% compared to the same period last year. ROE continued to maintain at a high level, reaching 24.29%, belonging to the leading group in the whole industry. The capital adequacy ratio (CAR) according to Basel II reached 16.2%, more than double the minimum level of 8% as prescribed.
As of March 31, 2026, HDBank's total assets reached VND 984. 216 billion, up 5.7% compared to the end of the previous year. Total outstanding loans reached VND 635. 085 billion, up 8%. Total capital mobilization exceeded VND 880 trillion, up 5.9%; of which customer deposits exceeded VND 725 trillion, up 11.9%. Lending-to-deposit ratio (LDR) was kept at below 75%; at the same time, important liquidity ratios such as liquidity coverage ratio (LCR) and net stable capital source ratio (NSFR) both maintained above 100%, higher than the required level according to Basel III standards.
