CORPORATE GOVERNANCE HIGHLIGHTS IN 2025

Mr. Kim Byoungho, Chairman of Board of Directors, represented HDBank in receiving Top 5 listed companies with the best corporate governance practices at the ASEAN Corporate Governance Awards in Kuala Lumpur, Malaysia.

HDBank won the first prize for the “Best Sustainability Report Awards – Companies in Financial Sectors” at the Vietnam Listed Company Awards (VLCA) 2025 in Ho Chi Minh City, an event co-hosted by HOSE, HNX, and Vietnam Investment Review (VIR), featured more than 500 participating enterprises (December 2025).

In 2025, we received multiple prestigious awards in recognition of our corporate governance excellence:

Honored among the TOP 5 Public Listed Companies (PLCs) in Vietnam at the ASEAN Corporate Governance Awards 2025.

Awarded the “Board of the Year”.

Ranked among the TOP 8 Companies with Best Corporate Governance - Large-Cap Group at the 2025 Vietnam Listed Company Awards (VLCA) - a reputable annual event organized by the State Securities Commission of Vietnam and the Stock Exchanges.

HDBank’s sustainable development strategy was further recognized through notable awards and distinctions:

First Prize for Best Sustainability Report Award - Companies in the Financial Sector at the 2025 Vietnam Listed Company Awards (VLCA).

Selected for the seventh consecutive year for the Vietnam Sustainability Index (VNSI), which comprises the Top 20 listed companies with the best sustainability index, among the 100 largest listed companies and comprehensively assessed across three ESG pillars.

Selected by the Government and the State Bank of Vietnam to undertake the mandatory transfer and successful transformation of DongA Commercial Joint Stock Bank, (now renamed Vikki Digital Bank Limited (Vikki Bank), thereby revitalizing DongA Bank while securing stable employment and improved income prospects for approximately 4,000 employees.

PERFORMANCE REVIEW OF THE BOARD OF DIRECTORS

Dr. Nguyen Thi Phuong Thao, Permanent Vice Chairwoman of HDBank’s Board of Directors, led an HDBank leadership delegation on a working visit to the London Stock Exchange (LSE).

In 2025, amid continued volatility in both domestic and global economic conditions, we maintained stable growth momentum, while further strengthening our operational scale and market position within the financial and banking sector.

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STRUCTURE AND TASK ASSIGNMENT OF THE BOARD OF DIRECTORS

All HDBank’s Board members are highly experienced and reputable in the sector, ensuring full compliance with the criteria and conditions for Board membership or independent Board membership as stipulated by applicable laws and the Charter of HDBank.

The details are as follows:

PERFORMANCE REPORT OF THE BOARD OF DIRECTORS AND INDEPENDENT BOARD MEMBERS IN 2025

HDBank’s Board of Directors was honored with the “Board of the Year” award at the 8th Annual Corporate Governance Forum, co-organized by VIOD, IFC, the Swiss State Secretariat for Economic Affairs (SECO) and the State Securities Commission of Vietnam.

In 2025, the Board of Directors consistently adhered to the principles of transparent and effective corporate governance, reinforced their strategic leadership role, and maintained rigorous oversight of all aspects of the bank’s operations, thereby ensuring that HDBank maintained safe and sustainable growth and maximized value for our shareholders.

Through continuous efforts to enhance governance quality and align with advanced international corporate governance standards and practices, HDBank was recognized among the Top 5 Public Listed Companies (PLCs) in Vietnam at the ASEAN Corporate Governance Awards 2025, Top 8 Companies with Best Corporate Governance - Large-Cap Group at the 2025 VLCA. Our Board of Directors was also honored with the prestigious “Board of the Year” award at the 8th Annual Corporate Governance Forum, co-organized by VIOD, IFC, the Swiss State Secretariat for Economic Affairs (SECO) and the State Securities Commission of Vietnam.

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TRANSACTIONS, REMUNERATION, AND BENEFITS OF THE BOARD OF DIRECTORS, BOARD OF SUPERVISORS, AND BOARD OF MANAGEMENT

HDBank consistently adheres to applicable laws and internal regulations regarding approval authority and disclosure of remuneration/income of the Board of Directors, Board of Supervisors, and Board of Management, along with transactions in HDB shares by HDBank’s insiders and their related persons, and transactions between HDBank and related parties. Specifically:

Annual remuneration and allowances for the Board of Directors and Board of Supervisors are approved at the Annual General Meeting of Shareholders. Details of the remuneration/income received by members of the Board of Directors, Board of Supervisors, and Board of Management are disclosed in the audited consolidated annual financial statements and the bank’s Annual Report.

Resolutions of the General Meeting of Shareholders, the audited consolidated annual financial statements, and the Annual Report are published on HDBank’s website in accordance with applicable regulations.

Insiders and their related persons, when engaging in transactions involving HDB shares, have adhered to disclosure requirements, submitting pre- and post-transaction reports to the State Securities Commission and the Stock Exchange for any transactions where the anticipated daily value is at least VND 50 million, or the anticipated monthly value is at least VND 200 million, as calculated at par value. Specifically:

• Disclosure of anticipated transaction shall be made at least three working days prior to the scheduled transaction date;
• The transaction deadline is within 30 days from the date on which the transaction is registered;
• Disclosure of transaction results, including explanations for any uncompleted or partially completed transactions, shall be made within five working days of the transaction completion date (if completed before the registered deadline) or at the end of the deadline for making the scheduled transaction.

Transactions between HDBank and related parties (including related persons, insiders, and related persons of insiders) are approved at the General Meeting of Shareholders or by the Board of Directors, in accordance with their respective authorities, applicable laws, and HDBank’s Charter. The General Meeting of Shareholders’/Board of Directors’ resolutions/decisions approving such transactions and other related matters are disclosed on HDBank’s website (under Investor Relations - Information Disclosure) within 24 hours from the issuance date of the resolution/decision.

The list of HDBank’s related persons, insiders, and related persons of insiders is reported quarterly to the SBV and is included in the Corporate Governance Report (using the template for public companies) published every six months as legally required.

ASSESSMENT OF HDBANK’S COMPLIANCE TO CORPORATE GOVERNANCE REGULATIONS BY INDEPENDENT MEMBERS OF THE BOARD OF DIRECTORS

The Board of Directors has fully fulfilled their role in setting strategic directions and overseeing the operations of the Board of Management and other units across the bank. Resolutions and decisions have been issued within proper authority, while ensuring legal basis, thorough and transparent deliberation, and the bank’s long-term interests. Disclosure transparency and completeness, particularly financial statements and periodic reports, have been strictly observed to reinforce shareholder, investor, and stakeholder confidence.

In 2025, HDBank continued to demonstrate our commitment to building a transparent and professional governance framework to provide a solid foundation for sustainable development. The bank has fully complied with corporate governance regulations under the Law on Credit Institutions, the Law on Enterprises, SBV’s and SSC’s guidelines, and corporate governance best standards. The Board of Directors is well-structured, with a clear separation between governance and executive functions. The board’s supporting committees operate effectively, providing strong support in direction-setting and oversight.

The Board of Directors has fully fulfilled their role in setting strategic directions and overseeing the operations of the Board of Management and other units across the bank. Resolutions and decisions have been issued within proper authority, while ensuring legal basis, thorough and transparent deliberation, and the bank’s long-term interests. Disclosure transparency and completeness, particularly financial statements and periodic reports, have been strictly observed to reinforce shareholder, investor, and stakeholder confidence. Measures for conflicts of interest have been effectively enforced, ensuring that decisions are made objectively and in the shared interests of the bank and our shareholders.

Shareholder rights and voice have remained a priority, supported by regular dialogue and timely and transparent disclosure on the bank’s operations, strategic directions, and key decisions. The General Meeting of Shareholders has been conducted in strict compliance with regulations, ensuring full participation and open discussions on strategic issues. We have broadened shareholder communication channels, including online platforms, to facilitate information accessibility and encourage feedback. The bank has continued to maintain a consistent and attractive dividend policy to fulfill the commitments to our shareholders.

In 2025, we further integrated ESG factors into our development and governance strategies. The issuance and implementation of a Sustainability Framework, along with strengthened risk management, data governance, sustainable finance, and green credit, reflect our strong commitment to sustainable development and social responsibility. We were honored with the Best Sustainability Report Award - Companies in Financial Sector at the VLCA 2025. The bank was also selected for the seventh consecutive year in the Vietnam Sustainability Index (VNSI), ranking among the Top 20 listed companies with the highest sustainability scores based on a comprehensive ESG assessment.

Our significant progress in enhancing corporate governance standards was also recognized, as HDBank was ranked among the Top 5 Public Listed Companies (PLCs) in Vietnam at the ASEAN Corporate Governance Awards 2025, based on the ASEAN Corporate Governance Scorecard (ACGS) jointly assessed by MSWG, the ASEAN Capital Markets Forum (ACMF), and the Asian Development Bank (ADB).

With continuous improvement and strong commitment, I am confident that HDBank will continue to achieve high and sustainable growth, reinforcing the bank’s standing and realizing the goal of becoming a leading universal banking group in Vietnam.

Independent Member

Le Manh Dung

ASSESSMENT OF CORPORATE GOVERNANCE PERFORMANCE UNDER THE ASEAN CORPORATE GOVERNANCE SCORECARD

COMPLIANCE WITH CORPORATE GOVERNANCE REGULATIONS FOR LISTED COMPANIES

ASSESSMENT USING THE ASEAN CORPORATE GOVERNANCE SCORECARD

For optimal business performance, HDBank’s Board of Directors not only focuses on driving business operations to increase revenue and profits while reducing costs, but also prioritizes enhancing corporate governance in line with international standards. This ensures the effective allocation of all corporate resources and long-term sustainable values, while effectively mobilizing and utilizing our investment, human, intellectual, and financial resources.

Accordingly, we conducted an assessment of our corporate governance system using the ASEAN Corporate Governance Scorecard, focusing on four areas: Rights of Shareholders and Equitable Treatment of Shareholders, Sustainability and Resilience, Disclosure and Transparency, and Board Duties and Responsibilities.

SHAREHOLDER AND INVESTOR RELATIONS

2025 FIGURES AT A GLANCE

In 2025, HDB shares continued to demonstrate strong appeal with sustained growth momentum: