•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
HDBank, the Ho Chi Minh City Development Joint Stock Bank, reported Q1 2026 results including net profit of VND 6.107 trillion, ROE of 24.29%, and a CAR of 16.16%, highlighting continued operating efficiency and capital discipline.
As of 31 March 2026, HDBank’s total assets reached VND 984.216 trillion. Total lending stood at VND 635.085 trillion, up 8% year-on-year, while total deposits exceeded VND 880 trillion, up 5.9% year-on-year. Customer deposits increased 11.9% to more than VND 725 trillion.
In Q1 2026, operating income approached VND 10 trillion, supported by core business activities and a rapid expansion of digital channels. Pre-tax profit was VND 6.107 trillion, with ROE maintained at 24.29% and CAR at 16.16%.
The bank reported an NPL ratio of 1.86%. Its loan-to-deposit ratio was controlled at 69.8%.
HDBank’s digital-finance ecosystem continued to expand, with Vikki Bank gaining recognition. In April 2026, Moody’s upgraded the outlook to Positive, reflecting stronger capital buffers and profitability.
The Moody’s outlook upgrade also supports HDBank’s international funding ambitions through HDBank Global and initiatives related to the Vietnam International Finance Centre with the London Stock Exchange.
Premium gym chains are entering a “golden era” that is ending or already in decline, as rising operating costs collide with shifting consumer preferences toward more flexible, community-based ways to exercise. Long-term memberships are shrinking, margins are pressured by higher rents and facility expenses, and competition from smaller, more personalized…
