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HDBank (HOSE: HDB) reported Q1 2026 results with pre-tax profit of VND 6,107 billion, ROE of 24.29% and CAR of 16.16%, reflecting strong performance supported by its capital base and strict governance.
As of 31 March 2026, HDBank’s total assets reached VND 984,216 billion, up 5.7% from end-2025. Total gross lending was VND 635,085 billion, up 8%, higher than the industry average of about 3.18%, with lending focused on priority sectors.
Total deposits exceeded VND 880 trillion, up 5.9%. Customer deposits surpassed VND 725 trillion, up 11.9%, indicating continued customer trust and a solid market position.
In Q1 2026, the bank recorded total operating income of nearly VND 10,000 billion, supported by core activities and continued growth in digitization. Pre-tax profit reached VND 6,107 billion, up 14% year-on-year.
HDBank’s digital business strategy continued to support growth in the quarter. Digital channel transactions rose 35%, while transaction value increased 106% versus the same period.
Digitalization helped optimize operations, improve efficiency and reduce the cost-income ratio (CIR) to below 26%.
HDBank said its multi-functional ecosystem posted strong growth in Q1 2026, with contributions from units within the Group and the formation of new growth axes for 2026–2030.
After a year of transformation, the digital bank Vikki recorded positive growth. Vikki Bank received two awards on 25 April, including Best Digital Savings Bank and Best Integrated Card Product—VikkiONE Connect at Leading Brand Vietnam 2026.
HD SAISON maintained leadership in consumer finance, reporting profit of VND 339 billion in Q1 2026, with high operating efficiency. The HD SAISON mobile app reached nearly 4.5 million downloads by the period end.
HD Securities (HDS) posted revenue of VND 461 billion, up 89%, and net profit after tax of VND 284 billion, up 261% year-on-year.
HDBank continued 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), aiming to diversify funding and raise governance standards.
In April 2026, Moody’s revised the bank’s credit outlook from Stable to Positive. The agency cited expectations of a stronger equity base and sustained profitability, which would strengthen buffers and improve risk absorption amid positive credit growth. The Positive outlook also indicates potential room for a future rating upgrade.
The bank said the solid quarterly results are a positive signal for its year of acceleration, alongside efforts to meet the business plans and strategic programs approved by the annual shareholders’ meeting.
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