HDBank profits 14,803 billion in 9 months, leading the system in profit efficiency

HDBank recorded pre-tax profit of more than VND14,803 billion in 9 months, maintaining its leading position in the system in terms of profitability, promoting digitalization and expanding international cooperation.

Ho Chi Minh City Development Joint Stock Commercial Bank ( HDBank , stock code HDB) announced consolidated pre-tax profit for the first 9 months of 2025 reaching VND 14,803 billion, up 17% over the same period. Profitability indicators continue to lead the system, with ROE reaching 25.2% and ROA 2.1%, reflecting effective operational capacity and a strong financial foundation.

Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank, code HDB) announced consolidated pre-tax profit for the first 9 months of 2019 reached VND14,803 billion, up 17% over the same period. Profitability indicators continued to maintain the leading position in the system, with ROE at 25.2% and ROA at 2.1%, showing effective operational capacity and stable financial foundation.

As of September 30, HDBank's total assets reached VND782 trillion, up 12.1% compared to the beginning of the year. Outstanding credit increased by 22.6%, focusing on priority sectors and essential production and business sectors. The bank maintained a bad debt ratio of 1.97% according to separate reports, while the Basel II capital adequacy ratio (CAR) reached 15%, among the highest in the market.

Customers transact at bank headquarters

A notable highlight is the sharp increase in non-interest income, reaching VND 5,366 billion, equivalent to an increase of 178.6% over the same period. This result comes from a comprehensive digitalization strategy, optimizing operations and expanding service revenue sources. The rate of transactions via digital channels reached 94%, an increase of 47%, contributing to reducing the cost-to-income ratio (CIR) to 25.7% - among the lowest in the banking industry. HDBank currently serves more than 20 million customers, affirming its position as a modern, friendly and sustainable bank.

HDBank's member units recorded positive results. HD SAISON achieved VND1,100 billion in profit, ROE 24.4%, maintaining its leading position in the consumer finance sector. HD Securities recorded VND614 billion in profit, up 30%, continuing to lead the industry in ROE. Vikki Bank - a new member after the transformation process - started making a profit after seven months of operation, attracting more than 1.3 million customers and launching the Vikki Café model, bringing a new experience to users.

HDBank leaders visit and work at the London Stock Exchange

HDBank is also seeking shareholders' opinions on a plan to pay dividends and bonus shares at a total rate of 30%, including 25% stock dividends and 5% bonus shares. The policy of regular and continuous payments for many years helps the bank maintain its attractiveness in the eyes of investors.

According to the amended Decree 69, the foreign ownership ratio at HDBank has been raised to 49%, expanding the room to attract foreign capital and increasing stock liquidity in the market. In addition, during the official visit to the United Kingdom of Great Britain and Northern Ireland by General Secretary To Lam , the London Stock Exchange and HDBank discussed a Memorandum of Understanding to promote listing opportunities, raise international capital and expand access to global investors.

With outstanding business performance, a strong digitalization strategy and a clear international integration orientation, HDBank is expected to maintain a double-digit growth rate, consolidating its position in the group of banks with the highest profitability in Vietnam.

Source: https://congthuong.vn/hdbank-lai-14-803-ty-9-thang-dan-dau-he-thong-ve-hieu-suat-loi-nhuan-431060.html