•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
On April 24, 2026, Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank – HOSE: HDB) held its 2026 annual general meeting of shareholders, combining a meet-and-greet and investor dialogue that drew a large number of shareholders, international investment funds, and major financial institutions from Vietnam and abroad. The event took place at Galaxy Innovation Hub (GIH), HDBank’s innovation and technology center.
GIH is the first building in Vietnam to receive UL SPIRE smart-building certification from UL Solutions (USA), reflecting HDBank’s emphasis on technology development and sustainability. In opening remarks, Chairman Kim Byoungho highlighted the bank’s adaptability, discipline, and consistent strategy in a volatile economic environment.
HDBank reported strong results for 2025, including:
For 2026, the bank set targets including:
The bank said this marks the start of a growth cycle for 2026–2030, aiming to position HDBank as a large-scale, highly efficient, and sustainable financial institution.
HDBank’s strategy centers on building an ecosystem with multiple pillars: HDBank (commercial banking), Vikki Bank (next-generation digital banking), HD SAISON (consumer finance), and HDB Securities (HDS). The bank described the approach as an ecosystem designed to create synergies and maintain high adaptability to market volatility.
Key 2025 figures cited by HDBank leadership include:
The meeting included international investors such as DEG and LeapFrog, along with global financial experts. Dr. Philipp Rösler, former German Vice Chancellor and a senior advisor to HDBank, said leading financial institutions can play a role in connecting global capital with high-growth economies such as Vietnam.
HDBank said it is strengthening cooperation with the London Stock Exchange (LSE) and participating in initiatives within the International Finance Center (VIFC) in Ho Chi Minh City to expand access to international capital markets.
Leadership emphasized three enduring commitments for the new growth phase: sustainable growth supported by the ecosystem and technology; international-standard governance, transparency, and discipline; and creating long-term value for multiple generations rather than focusing only on one-year results.
Chairman Kim Byoungho stated: “HDBank is not just building a bank, but creating a financial institution for a new era – where technology goes hand in hand with humanity, growth with responsibility.” He added: “We do not chase short-term numbers. We build to endure for many generations.”
At the end of the meeting, strategic investor Nguyen Thi Phuong Thao expressed thanks to Vietnam’s State Bank, the State Securities Commission, management, and shareholders and investors at home and abroad. She said: “HDBank innovates and grows not merely to be bigger, but to serve better, more safely, and more sustainably.”
HDBank said its goal is to be among Vietnam’s leading private commercial banks, pioneering an integrated financial ecosystem and applying modern technology to serve tens of millions of individual and corporate customers.
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…
