ANNUAL REPORT 2024

Message of the Chairman of the Board

We are also dedicated to promoting a green economy, financial inclusion, and rural development, aligning with Vietnam’s net-zero carbon emissions target by 2050. I am confident that HDBank will not only achieve the ambitious goals set by our shareholders, customers, and business partners but will also continue to lead in corporate responsibility and sustainable banking.

OVERVIEW

Prominent figures

TOTAL ASSETS

0 VND billion

An increase of 15.8% compared to 2023

CHARTER CAPITAL

0 VND billion

Increased to VND 35,101 billion from VND 29,076 billion

Total credit oustanding balance

0 VND billion

An increase of 23.85% compared to 2023

Prestigious awards and recognitions in 2024

Leading Partner Bank in Vietnam - Asian Development Bank (ADB)

Vietnam - Outstanding Issuing Bank - Dynamic Growth - International Finance Corporation (IFC)

Retail Bank of the Year (2024) - Asian Banking & Finance (ABF)

Top 25 Leading Listed Brands 2024 - Forbes

Vietnam National Brand 2024 - Vietnam Trade Promotion Agency, Ministry of Industry and Trade

Top 5 Prestigious and Effective Public Companies - Vietnam Report

PIONEERING SUSTAINABILITY

ELEVATING VIETNAM

CHAPTER 1. OVERVIEW

CREATING VALUE

FROM A SOLID FOUNDATION

CHAPTER 2. GENERAL INFORMATION

Unwavering Dedication

For Comprehensive Benefits

CHAPTER 3. 2024 BUSINESS PERFORMANCE

Solidarity in Partnership

For Benefits that Grow Together

CHAPTER 4. BOARD OF MANAGEMENT’S REPORT

FOSTERING INNOVATION

FOR BENEFITS THAT EXCEL

CHAPTER 5. CORPORATE GOVERNANCE

EFFECTIVE GOVERNANCE

LEADING TO SUSTAINABLE BENEFITS

CHAPTER 6. Sustainable development

DRIVEN BY PRACTICALITY

FOR COMMUNITY BENEFITS

chương 7.CONSOLIDATED FINANCIAL STATEMENTS

PROSPERITY THROUGH CONNECTION

FOR FAR-REACHING BENEFITS

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