Profit indicators continue to lead the system, with ROE reaching 25.2% and ROA 2.1%, reflecting efficient operations and a strong financial foundation.
As of September 30, 2025, total assets of Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank, stock code HDB) reached VND 782,000 billion (+12.1% compared to the beginning of the year); outstanding credit increased by 22.6%, focusing on priority areas and essential production and business. The bad debt ratio is 1.97% individually, while CAR Basel II is 15%, among the highest in the market.
The trend is very positive, with non-interest income reaching VND 5,366 billion, up 178.6%, thanks to a strong digitalization strategy and diversification of revenue sources. Digital channel transactions increased by 47%, accounting for 94% of total transactions, helping CIR decrease to 25.7% - one of the lowest levels in the industry. HDBank currently serves more than 20 million customers, affirming its position as a modern, friendly bank with sustainable growth.
Member units also recorded positive results:
- HD SAISON achieved VND 1,100 billion in profit, ROE 24.4%, maintaining its leading position in consumer finance.
- HD Securities achieved VND 614 billion in profit, up 30%, holding the Top 1 ROE profit rate on the whole industry.
- Vikki Bank has begun to make a profit after 7 months of conversion, attracting more than 1.3 million new customers and launching the Vikki Cafe model - a new generation branch to bring customers a special and unique experience.
Notably, HDBank is consulting shareholders on the plan to divide dividends and bonus stocks in 2025 at a total rate of 30% (including 25% dividends in stocks and 5% bonus stocks), continuing to maintain a high and continuous payment policy over the years.
According to Decree 69 amending, the foreign ownership ratio at HDBank has increased to 49%, expanding the space to attract foreign capital and increase liquidity of stock transactions in the market.
During the official visit to the United Kingdom and Northern Ireland by General Secretary To Lam, the London Stock Exchange (LSE) discussed a Memorandum of Understanding (MOU) to establish a cooperation framework and support HDBank to promote international listing opportunities, mobilize capital for HDBank, member businesses and customers of HDBank, and expand promotion and access to global investors through the London capital market.
With outstanding profit efficiency, attractive dividend policies, clear digital strategy and international integration, HDBank is expected to continue to maintain double-digit growth momentum, consolidating its position in the group of banks with the highest profit efficiency in Vietnam.
