A RISING ERA
A GLOBAL PRESENCE
MESSAGE FROM THE CHAIRMAN OF THE BOARD
As we close 2025, we reflect on a year shaped by a complex global landscape. Shifting geopolitical dynamics and significant environmental challenges at home created a demanding operating environment. At HDBank, these conditions reinforced the importance of discipline, strategic focus, and long-term thinking - and became a catalyst for meaningful progress in our transformation.
Redefining Our Stature: A Breakthrough in Market Value
A Comprehensive Integrated Financial Platform, Unleashing the Power of Synergy
OVERVIEW2025 Business Performance Highlights
Total assets
Total assets
VND billion
An increase of 33.5% compared to 2024
Credit performance
Total outstanding loans
VND billion
An increase of 34.3% compared to 2024
Credit quality
Consolidated NPL ratio (per Circular No.31/NHNN):
%
Standalone NPL ratio (per Circular No.31/NHNN):
%
Deposits
Total deposits
VND billion
An increase of 33.9% compared to 2024
Sector-leading Capital Adequacy Ratio
CAR
%
Profit before tax
Profit before tax
VND billion
An increase of 27.6% compared to 2024