Ho Chi Minh City Development Joint Stock Commercial Bank reported consolidated 9M2025 profit before tax of VND14.8 trillion ($562.4 million), up 17% YoY.
Profitability indicators remained among the highest in the banking sector, with a return on equity of 25.2% and a return on assets of 2.1%, underscoring efficient operations and a solid financial foundation.
As of 30 September 2025, total assets stood at VND782 trillion ($29.7 billion), a 12.1% increase YTD. Credit growth reached 22.6%, with a focus on priority sectors and essential business activities.
The non-performing loan ratio was 1.97%, while the Capital Adequacy Ratio under Basel II reached 15%, among the highest in the industry.
Non-interest income rose sharply to VND5.37 trillion ($204.1 million), up 178.6% YoY, driven by income diversification and digitalisation.
Transactions via digital channels grew by 47%, accounting for 94% of total retail transactions; thus, the cost-to-income Ratio recorded at 25.7%, one of the lowest in the sector. HDBank currently serves over 20 million customers.
Subsidiaries and affiliates also posted strong results. HD SAISON recorded a profit of VND1.1 trillion ($41.8 million) with an ROE of 24.4%, maintaining its leading position in consumer finance. HD Securities earned VND614 billion ($23.3 million) in profit, up 30% YoY.
At the same time, Vikki Bank turned profitable after seven months of transaction, attracting over 1.3 million new customers and launching the innovative Vikki Café model – a new-generation experience branch.
HDBank will seek shareholder approval for a total dividend and bonus share distribution of 30% for 2025, comprising a 25% stock dividend and five per cent bonus shares, reaffirming its commitment to high and stable shareholder returns.
Following the amendment of Decree 69, the bank’s foreign ownership limit has been increased to 49%, enhancing its ability to attract international investors and improve stock liquidity.
During General Secretary Tô Lâm’s official visit to the United Kingdom, the London Stock Exchange discussed a memorandum of understanding with HDBank to promote potential listings, international capital mobilisation and access to global investors.
With outstanding profitability, an attractive dividend policy, and a clear strategy for digitalisation and international integration, HDBank is well-positioned to sustain double-digit growth, reinforcing its position among the most high-performing and profitable banks in Vietnam.
