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At the expanded HDBank annual general meeting (AGM) and the 2026 investor gathering held on April 24 in Ho Chi Minh City, HDBank outlined its 2026 plan, including a net profit target above 30.1 trillion dong and total assets above 1.2 quadrillion dong. Much of the session focused on dialogue with industry experts and the investor community.
The event took place at Galaxy Innovation Hub and drew more than 38,000 shareholders, including over 166 foreign institutions, along with hundreds of analysts. Conducted in a hybrid format, the program ran for more than five hours and covered business performance, dividend and stock bonus plans, strategic direction, and the next phase of growth. A dedicated area also showcased the bank’s digital ecosystem through hundreds of demonstrations and interactive experiences.
HDBank said its 2025 results placed it among market leaders. Total assets reached 931.104 trillion dong, up 34% year on year and at 105% of the plan. Pre-tax profit rose to 21.346 trillion dong, up 26.7% year on year and at 101% of the plan. Total operating income was 42.696 trillion dong, with ROE of 25.3% and ROA of 2.1%.
The bank also reported tight risk management, citing a low non-performing loan ratio and a CAR of around 16.7%, described as among the highest in the system.
HDBank proposed distributing dividends and stock bonuses totaling nearly 30%. The AGM also considered increasing charter capital to over 59,000 billion dong to strengthen financial capacity and support future growth.
Looking ahead, CEO Nguyen Huu Dang said 2026 would be a period of prudent selection, with growth guided by a “5T” mindset: Proactive, Trusted, Caring, Humane, Loyal.
Key 2026 targets include:
The bank described the 2026 plan as the start of a 2026–2030 growth cycle aimed at building a multi-purpose financial group and ecosystem.
HDBank said its ecosystem pillars include HDBank, Vikki Bank (a new-generation digital bank), HD Saison (consumer finance), and HDB Securities – HDS (securities).
The meeting also featured international investors and experts. Dr. Philipp Rösler, former German Vice Chancellor and a senior advisor to HDBank, said leading financial institutions can help link global capital to fast-growing economies such as Vietnam.
HDBank also highlighted progress in cooperation with the London Stock Exchange (LSE), participation in initiatives under the International Financial Centre (VIFC) in Ho Chi Minh City, and efforts to expand access to international capital markets.
In closing, HDBank’s leadership committed to three principles: sustainable growth anchored in the ecosystem and technology; governance aligned with the highest international standards with transparency and discipline; and long-term value creation across generations.
Chairman Kim Byoungho said the goal is not to pursue short-term figures but to build a lasting institution. Ms. Nguyen Thi Phuong Thao reiterated a vision of renewal and growth, describing HDBank as an evolving financial ecosystem positioned to withstand volatility and seize opportunities. The meeting concluded at 1:00 PM, with many domestic and international investors staying to discuss the bank’s future.
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