According to the bank's Q2 2025 financial report released on the afternoon of 30/7, HDBank's net interest income for the first six months reached 17,227 billion VND, a 15.8% increase year-on-year. Non-interest income from payment services, digital banking, and foreign exchange trading significantly increased by 210% compared to the same period last year, contributing to a 30% rise in total operating income, reaching 20,840 billion VND. The effectiveness of the bank's digital transformation is evident in its optimized operating costs, resulting in an impressive cost-to-income ratio (CIR) of 25.5%.
With these results, HDBank continues to be among the industry leaders in operational efficiency. Its ROE reached 26.5%, while its return on assets (ROA) reached a high of 2.2%. The non-performing loan (NPL) ratio, as regulated by the State Bank of Vietnam, remained low at 1.94%. The capital adequacy ratio (CAR) exceeded 13% (based on Basel II standards), and other safety indicators were well-maintained compared to the industry average.
As of 30/6, the bank's total assets reached 784,000 billion VND, a 12.4% increase since the beginning of the year. Deposits reached 664,000 billion VND, a 7% increase compared to January. Outstanding loans surpassed 517,000 billion VND, an 18.2% increase compared to the start of 2025 and nearly twice the industry average growth rate of 9.9%. The bank directed capital towards priority sectors such as infrastructure, manufacturing, consumption, and other low-risk growth drivers of the economy.
HDBank has actively implemented key programs including loans for social housing development and young homebuyers, credit packages for infrastructure and digital technology, value chains, loans for rural areas and high-tech agriculture, and green credit.
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Customers receiving consultation at the bank's headquarters. Photo: HDBank |
Customers receiving consultation at the bank's headquarters. Photo: HDBank
Member companies within the HD Financial Group also reported positive results for the first six months. HD Saison surpassed 27,100 financial transaction points, serving 15.5 million customers, and achieved a pre-tax profit of 709 billion VND, an 18% year-on-year increase.
At Vikki Digital Bank, following its comprehensive transformation from Dong A Bank into a digital bank, the brand recorded over one million app downloads and opened more than 600,000 accounts in just five months of operation. HD Securities also achieved a profit of 382 billion VND with an ROE of 29%, placing it among the top 10 most profitable companies, with income primarily derived from services.
Boosting digital business
In Q2 2025, the bank implemented several digital business programs, yielding positive results with 75% new customers. The number of transactions on digital platforms increased by 51%, and the proportion of individual customer transactions conducted through digital channels accounted for 94% of the total.
The bank continued to launch and improve digital solutions for businesses, contributing to an increase in customer numbers and business efficiency. Major technology projects, such as the application of AI and machine learning in management, training, and operational automation, are accelerating. HDBank is pioneering the implementation of advanced core banking technology and new-generation digital banking super apps. These transformations not only enhance the user experience but also create a platform for the bank to develop comprehensive, personalized digital financial models and expand its digital ecosystem connections.
Alongside its positive business performance, HDBank received several awards: Best Domestic Retail Bank, Best Bank for Foreign Exchange and International Payments, one of Forbes' Top 50 Best Listed Companies, and one of five Vietnamese representatives honored at the 2025 ASEAN Corporate Governance Awards in Malaysia.
Hoang Dan
