Backed by a robust financial foundation, high prestige, and proven governance capabilities, HDBank was trusted and selected by the Government and the State Bank of Vietnam to undertake the mandatory transfer of DongA Bank on January 17, 2025.

Within just one month, DongA Bank was fully rebranded as Vikki Digital Bank - a next-generation digital bank model driven by technology and a customer-centric approach. In its first year, Vikki Bank saw a powerful revival, turned a profit, and gained over 2.1 million app downloads, demonstrating immense growth potential in the digital and retail banking sectors.

This marked HDBank’s second involvement in the restructuring of the banking system. Previously, in 2013, HDBank successfully merged with DaiABank and acquired Société Générale Viet Finance Company Limited (now known as HD SAISON), laying the groundwork for our current multi-layered financial ecosystem.

The acquisition and restructuring of DongA Bank, along with the successful transformation and revitalization of Vikki Bank, further underscore HDBank’s execution capabilities, experience, and sense of responsibility in partnering to strengthen and enhance the quality of the banking system.

In 2025, HDBank continued to develop our financial inclusion ecosystem, aiming to broaden access to banking services for both retail customers and wholesale clients.

For wholesale clients, HDBank offers flexible services and funding solutions integrated into digital platforms. Notably, the HDBank eCMB toolkit - an “all-in-one” digital banking solution with 10 built-in tools - addresses needs of cash management, payment, and trade finance, enabling businesses to optimize operations and enhance capital efficiency.

At the same time, HDBank has expanded our financial service touchpoints in daily life. The Smart Medical Kiosk (Medipay) system, with roughly 200 kiosks at 140 hospitals nationwide, has helped digitize payment processes, thereby enhancing the public experience and driving digital transformation in the healthcare sector. We continue to roll out solutions such as eCash for cash collection and payment, electronic medical records, and preferential credit packages synchronously to better meet the public needs.

For retail customers, HDBank develops a diverse product ecosystem to meet needs from business and production activities, consumer goods, and housing to savings and investment, with an increasing level of personalization.

Furthermore, we have accelerated practical financial programs in local provinces, particularly in disaster-affected areas, thereby promoting community finance and supporting sustainable livelihoods.

Globally, HDBank has expanded our partnerships with development financial institutions (DFIs), including the International Finance Corporation (IFC) - a member of the World Bank Group, Entrepreneurial Development Bank (FMO), and British International Investment (BII). A key milestone was the successful issuance of USD 100 million in green bonds, aimed at driving sustainable finance and the green transition.

Building on this, we are gradually shaping our role as a financial inclusion solutions provider, bridging the gap between technology, market, and the community to support the sustainable development of the economy.

To celebrate the 80^th Independence Day on September 2, a number of key national projects were selected to break ground and launch by the Government. As part of this, HDBank officially launched the Saigon Marina IFC Tower at No. 2 Ton Duc Thang, Saigon Ward, Ho Chi Minh City - the heart of Ho Chi Minh City’s future International Financial Center.

Our presence at Saigon Marina IFC Tower underscores our long-term vision to contribute to the development of Ho Chi Minh City’s International Financial Center, while driving our competitiveness, innovation, and optimized customer experience in the digital era. At Saigon Marina IFC Tower, HDBank fosters deeper connections with an ecosystem of financial institutions, technology and logistics corporations, and a community of thousands of experts working each and every day.

Situated at Ba Son - the “cradle” of Vietnam’s industry - Saigon Marina IFC Tower is developed as a modern financial hub, connecting with global economic flows and elevating Ho Chi Minh City’s influence in the regional financial network.

In 2025, HDBank marked a significant milestone in digitalization as digital business has emerged as one of the key growth drivers, alongside fostering a modern and human-centric digital culture bank-wide.

During the 2023-2025 period, HDBank continued to achieve positive results, with over 94% of retail transactions conducted via digital channels. This reflects a powerful shift towards digital banking.

Furthermore, the customer base and digital adoption rates for services continued to soar. The total retail customers grew by more than 35%, while eBanking users increased by 30% year-on-year. The total active financial transactions surpassed 140 million, while digital deposit balances expanded by over 50%.

These results are attributable to HDBank’s continuous efforts to enhance the customer journey, digitize operational processes, and develop products and services that are convenient, flexible, and highly personalized.

With a customer-centric direction, our solutions are tailored to specific customer segments and financial life stages - ranging from education and early career to wealth accumulation and retirement.

Moving forward, HDBank continues to expand our technological capabilities, aiming to deliver a secure, consistent digital banking experience that increasingly aligns with international standards.

In 2025, HDBank completed a substantial dividend payout of nearly 30%, raising our charter capital to over VND 50 trillion. Market capitalization soared by 66.8% compared to December 31, 2024, exceeding VND 148 trillion. This marks the third consecutive year that HDBank’s market capitalization has grown by more than 50% year-on-year.

This strong growth momentum reflects market confidence in HDBank’s high operational efficiency, positive long-term outlook, and our ability to deliver high and sustainable value to our shareholders.

These results help HDBank secure a spot among the top 7 largest listed banks by market capitalization, climbing two places from 2024. Within the VN30 Index - comprising the market’s top 30 listed companies - HDBank climbed to 12th position, a jump of five places compared to the previous year. Furthermore, HDBank remained selected for inclusion in the Vietnam Diamond Index (VNDiamond) and the Vietnam Sustainability Index (VNSI).

Throughout our 35-year journey, HDBank has tirelessly cultivated a distinctive corporate culture, which integrates a pioneering ESG spirit, a forward-thinking digital mindset, and an aspiration for innovation, alongside the values of humanity, unity, and community sharing.

In 2025, HDBank’s culture continued to resonate deeply bank-wide. Our series of “I Love HDBank” activities attracted great fanfare bank-wide, fostering pride and a sense of belonging among employees toward the HDBank family. For 10 consecutive years, the “Igniting Trust” Leadership Strategy Conference remained a space for strategic dialogue and inspiration, where senior executives aligned their action plans and formulated strategies.

Additionally, the internal digital platforms - Power Home and Viva Engage - went into operation and became a lively digital cultural space for every HDBanker to connect, share, and spread the 5T core values - Thorough, Thoughtful, Trailblazing, Trustworthy, and Truehearted.

HDBank maintained strong investment in human resource development through leadership training programs like “HDBank Next Leader,” “HIPOs,” “Bankers Entering the New Era,” and m.MBA, along with over 1,000 courses on AI, professional expertise, and soft skills, attracting nearly 140,000 staff participations. Therefore, we are able to foster an innovative mindset and adaptability bank-wide.

Together, these have created a happy working environment at HDBank. These efforts earned both internal appreciation and external validation through numerous reputable domestic and international awards. HDBank stands as the only bank in the market to be honored as the “Best Companies to Work for in Asia” for 8 consecutive years by HR Asia, a leading human resource magazine in Asia.

HDBank’s culture continued to spread far and wide within the community. Notably, HDBank and strategic partners, has funded the construction of 2,600 homes for underprivileged families nationwide. These significant contributions to social welfare and community development earned HDBank the Prime Minister’s Certificate of Merit as part of the “Eliminating temporary and dilapidated houses nationwide” program 2025.

Furthermore, HDBank remained dedicated to other meaningful programs, including providing 50,000 health insurance cards to near-poor households, funding 33,000 eye surgeries for the impoverished, and building nearly 3,000 charity houses nationwide, awarding 12,000 scholarships to outstanding students, and constructing numerous bridges in rural areas across the country.

Regarding culture and sports, HDBank has sponsored the HDBank National Futsal Championship since 2017, major races such as the Tien Phong Marathon, Green Can Gio Marathon, HDBank Cup International Chess Tournament for a decade, and many more, thereby fostering a culture of physical fitness while promoting Vietnam’s unique culture to the world.

In 2025, HDBank contributed VND 3,327 billion to the State budget, ranking among the top 16 leading enterprises in Ho Chi Minh City. This year also marks the 7^th consecutive year we have received a Certificate of Merit from the City People’s Committee for our contributions to the State budget. From 2019 to 2025, HDBank’s total budget contribution reached VND 17.6 trillion, reaffirming our active participation in socio-economic development.