HDBank Reports Significant Profit Growth in 2025

The Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank) announced a notable pre-tax profit of over VND21.3 trillion (US$820.5 million) for 2025, marking a 27.4% increase year-on-year. This significant growth exceeded the bank’s targets, demonstrating robust financial performance.

In the fourth quarter of 2025 alone, HDBank's profits surged by 60% compared to the same period in 2024, reaching VND6.5 trillion (US$250.3 million). By the end of 2025, the bank's consolidated assets totaled VND931 trillion (US$35.8 billion), a 33.5% rise year-on-year.

HDBank's loan portfolio increased by 34.3%, concentrating on sectors with long-term growth potential. The bank's non-interest income expanded significantly, contributing to a total operating income of VND42.7 trillion (US$1.6 billion).

The bank maintained strong fundamentals with a return on equity of 25.3% and a low non-performing loan ratio of 1.66%. Its capital adequacy under Basel II was 16.7%, supporting future expansion.