Ho Chi Minh City Development Joint Stock Commercial Bank (HDB) investor relations material

Executive summary

• Total assets reached VND 931,101,281 million as of 31 December 2025, up from VND 697,366,458 million at the start of the year, reflecting significant growth in the balance sheet.

• Loans to customers increased to VND 546,370,779 million, up from VND 442,484,841 million, supporting higher net interest income.

• Net profit attributable to owners for 2025 was VND 16,503,470 million, a substantial increase from VND 12,763,193 million in 2024.

• Charter capital rose to VND 50,052,763 million, reflecting capital increases and share issuances.

Financial highlights

• Net interest income for 2025 was VND 34,746,190 million, up from VND 30,856,393 million year-over-year.

• Profit before tax reached VND 21,321,798 million, compared to VND 16,730,791 million in the prior year.

• Earnings per share increased to VND 3,580 from VND 2,826 year-over-year.

• Total deposits from customers grew to VND 560,714,282 million from VND 437,505,165 million.

• Cash and cash equivalents at year-end were VND 220,374,582 million, up from VND 137,261,526 million.

Outlook and guidance

• The bank continues to focus on expanding its lending portfolio and deposit base, supported by capital increases and a growing branch network.

• Ongoing digital transformation and integration of newly acquired subsidiaries are expected to support future growth.