HDBank announced its 2025 financial results, reporting a pre-tax profit exceeding VND 21,300 billion. This figure represents a 27,4% increase from 2024, surpassing the bank's annual target. This strong performance was driven by robust credit growth, effective risk management, and diversified revenue streams. The bank maintained high profitability and capital adequacy ratios throughout the year, demonstrating stable growth.

In Q4/2025, HDBank's pre-tax profit was over VND 6,500 billion, a 60% increase year-on-year, underscoring significant growth momentum in the second half of the year. As of 31/12/2025, consolidated total assets reached VND 931,000 billion, up 33,5% from the start of the year. Total capital mobilized stood at VND 832,000 billion, with customer deposits growing by 28,2%.

Customers transact at the bank. Photo: HDBank

The bank's credit outstanding reached VND 588,000 billion for the year, marking a 34,3% increase. HDBank strategically focused its lending on sectors with high growth potential and manageable risk. These included small and medium-sized enterprises (SME), supply chains, manufacturing and business, exports, and green projects. This targeted approach allowed the bank to sustain high credit growth while effectively controlling risks.

Operational efficiency saw total operating income (TOI) reach VND 42,687 billion, a 25,4% increase. Non-interest income surged 2,5 times, now comprising 18,6% of total income, indicating a successful diversification of revenue streams. HDBank achieved a return on equity (ROE) of 25,3% and a return on assets (ROA) of 2,1%, placing it among the banking sector's top performers. The bank also distributed dividends and bonus shares totaling nearly 30% during the year. Simultaneously, HDBank maintained effective risk control, with its non-performing loan ratio at 1,66%. The capital adequacy ratio (CAR) under Basel II stood at 16,7%, providing a strong foundation for future credit growth and expansion.

HDBank made significant strides in its digitalization strategy in 2025, completing the restructuring and development of Vikki Digital Bank. In its inaugural year, this platform recorded over 2,1 million app downloads, broadening its reach to retail customers. Furthermore, HD Saison maintained stable growth, with profits exceeding VND 1,390 billion and an ROE of 22,5%. Its contributions were positive to consolidated profit and strengthened the consumer finance ecosystem. The bank now serves over 25 million customers, with 94% of individual transactions conducted via digital channels, creating a low-cost growth platform and enabling rapid scalability.

Last year, Moody’s upgraded HDBank's credit rating to the highest group in Vietnam. This reflects the international market's positive assessment of the bank's financial strength, risk management, and long-term growth prospects. In 10/2025, HDBank engaged with the London Stock Exchange (LSE) to explore international capital mobilization, listing Vietnamese enterprises, and expanding bilateral financial connections. The bank aims to broaden its partnership with the London capital market through flexible mechanisms such as dual listing, international bond issuance, and other financial instruments, to meet the sustainable growth needs of Vietnamese businesses.

Hoang Dan