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Credit and deposit growth remained strong for HDBank among leading banks. As of 31/3/2026, HDBank’s total assets reached 984,216 billion VND, up 5.7% from the end of 2025. Total outstanding loans were 635,085 billion VND, up 8%, higher than the industry average (about 3.18%), with a focus on priority sectors. Mobilized funds during the period exceeded 880,000 billion VND, up 5.9%, while customer deposits surpassed 725,000 billion VND, up 11.9%.
In Q1 2026, HDBank recorded total operating income of nearly 10,000 billion VND, supported by growth in core activities and continued expansion in digital business indicators.
Pre-tax profit reached 6,107 billion VND, up 14% year over year. Return on equity (ROE) stood at 24.29%, remaining among the top in the sector. The Basel II-based capital adequacy ratio (CAR) reached 16.16%, up from 14.32% in the same period and among the highest levels in the market.
Asset quality remained controlled, with non-performing loans (NPL) under Circular 31 NHNN at 1.86%. The loan-to-deposit ratio (LDR) was managed at 69.8%, alongside other safety indicators.
HDBank’s digital banking strategy continued to deliver strong results. The number of transactions via digital channels rose 35%, while the value of transactions increased 106% compared with the same period. The bank said comprehensive digitization helped optimize operations, improve efficiency, and bring the cost-to-income ratio (CIR) below 26%.
In Q1 2026, HDBank’s multi-functional financial ecosystem continued to see strong contributions from member units, supporting new growth axes for 2026–2030.
After a year of transformation, the S.Vikki digital bank posted positive growth and gradually affirmed its market position. Vikki Bank was also recognized in two categories—“Best Digital Savings Bank” and “Best Integrated Card Product - VikkiONE Connect”—at the Leading Brand Vietnam 2026 awards organized by the Asia Institute for Economic Research on April 25.
HD SAISON maintained a leadership position in consumer finance, reporting profit of 339 billion VND in Q1 2026. The HD SAISON mobile app reached nearly 4.5 million downloads by the end of the reporting period.
HD Securities (HDS) recorded strong growth, with revenue of 461 billion VND, up 89%, and net profit after tax of 284 billion VND, up 261% year over year.
HDBank continued implementing its “HDBank Global” strategy, expanding connections to international capital markets through cooperation with the London Stock Exchange and initiatives related to the Vietnam International Financial Center (VIFC). The stated aim is to diversify funding sources and raise governance standards.
In April 2026, Moody’s revised HDBank’s credit outlook from “Stable” to “Positive.” The change reflects expectations of capital strengthening alongside sustained profitability, reinforcing buffers and improving risk absorption capacity amid positive credit growth. The “Positive” outlook also creates potential for future rating upgrades.
The bank’s positive quarterly results are described as a favorable signal for a year of acceleration, supporting HDBank and its subsidiaries in meeting and exceeding business plans and strategic programs approved by the annual general meeting.
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