HDBank: Continues to lead in profit margin in September.

HDBank: Tiếp tục dẫn đầu về tỉ suất lợi nhuận tháng 9- Ảnh 1. — HDBank will distribute dividends and bonus shares up to 30% - Photo: VGP/PD

As of September 30, 2025, HDBank's total assets reached VND 782,000 billion (+12.1% compared to the beginning of the year); outstanding loans increased by 22.6%, focusing on priority sectors and essential production and business activities. The non-performing loan ratio was 1.97% individually, while the Basel II CAR reached 15%, among the highest in the market.

A very positive trend was seen in non-interest income reaching VND 5,366 billion, an increase of 178.6%, thanks to a strong digitalization strategy and diversification of revenue sources. Transactions through digital channels increased by 47%, accounting for 94% of total transactions, helping to reduce the CIR to 25.7% – one of the lowest in the industry. HDBank currently serves more than 20 million customers, affirming its position as a modern, customer-friendly, and sustainably growing bank.

Member units also recorded positive results. Specifically: HD SAISON achieved a profit of VND 1,100 billion, ROE of 24.4%, maintaining its leading position in consumer finance; HD Securities achieved a profit of VND 614 billion, an increase of 30%, maintaining the top 1 ROE for return on capital in the entire industry; Vikki Bank has started to become profitable after 7 months of transformation, attracting more than 1.3 million new customers and launching the Vikki Café model, a new generation branch offering customers a special and unique experience.

Notably, HDBank is seeking shareholder approval for a dividend and bonus share distribution plan for 2025 with a total ratio of 30% (including 25% stock dividends and 5% bonus shares), continuing its policy of high and consistent payouts over the years.

According to the amended Decree 69, the foreign ownership ratio in HDBank has been raised to 49%, expanding the scope for attracting foreign capital and increasing the liquidity of stock transactions on the market.

During General Secretary To Lam 's official visit to the United Kingdom, the London Stock Exchange (“LSE”) held discussions on a Memorandum of Understanding (“MOU”) to establish a framework for cooperation and support for HDBank, aiming to promote listing opportunities, international capital raising for HDBank, its member companies and customers, and to expand promotion and access to global investors through the London capital market.

With its outstanding profitability, attractive dividend policy, clear digitalization strategy, and international integration, HDBank is expected to continue maintaining double-digit growth and consolidate its position among the most profitable banks in Vietnam.

Source: https://baochinhphu.vn/hdbank-tiep-tiep-dan-dau-ve-ti-suat-loi-nhuan-thang-9-10225103120544099.htm