The bank’s Expanded Annual General Meeting of Shareholders and Investor Meeting 2026 was held at Galaxy Innovation Hub in Ho Chi Minh City with from more than 38,000 shareholders, including over 166 foreign institutions and hundreds of experts.
The event combined the AGM with investor engagement and expert discussions, providing updates on 2025 performance, dividend plans, and strategic direction. It also featured a digital ecosystem showcase with demonstrations and interactive exhibits.
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Professor Nguyen Thi Phuong Thao leads the Q&A session at HDBank’s Expanded Annual General Meeting of Shareholders and Investor Meeting 2026 on April 24. Photo by VnExpress/Quynh Tran |
2025 performance among market leaders
“2025 demonstrated outstanding adaptability,” said Kim Byoung-ho, Chairman of HDBank’s Board of Directors, summarizing the bank’s performance. Amid global and domestic macroeconomic challenges, the bank adjusted its strategy to maintain growth momentum.
As of Dec. 31, 2025, total assets reached VND931.1 trillion ($35.38 billion), up 34% year-on-year and exceeding the annual plan. Pre-tax profit rose 26.7% to VND21.35 trillion ($811 million), meeting 101% of the target.
Total operating income increased 25.5% to VND42.7 trillion, while profitability indicators remained at relatively high levels, with ROE at 25.3% and ROA at 2.1%. The non-performing loan ratio was kept low, and the capital adequacy ratio stood at around 16.7%.
Based on these results, HDBank plans to distribute dividends and bonus shares totaling nearly 30%, and to raise charter capital to over VND59 trillion to support future growth.
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Kim Byoung-ho, Chairman of HDBank’s Board of Directors. Photo by VnExpress/Quynh Tran |
2026 outlook and ecosystem strategy
For 2026, the bank aims to sustain growth while managing expected market challenges. “2026 will be a necessary period of market filtering,” said CEO Nguyen Huu Dang.
The bank targets total assets exceeding VND1.2 quadrillion, mobilized capital of VND1.06 quadrillion, and outstanding credit of VND804.6 trillion. Equity is projected at VND101.5 trillion, with the non-performing loan ratio controlled below 2%.
Dang described 2026 as the starting point of a new development cycle through 2030, focusing on building an integrated financial ecosystem. This includes HDBank (commercial banking), Vikki Bank (digital banking), HD Saison (consumer finance), and HDB Securities.
According to the bank, this structure is intended to create synergies across business segments and improve resilience to market fluctuations. In 2025, ecosystem components also reported growth, with HD Saison and HDB Securities each posting profits above VND1.1 trillion, while Vikki Bank became profitable after seven months of operation.
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Nguyen Huu Dang, CEO of HDBank. Photo by VnExpress/Quynh Tran |
During the AGM, shareholder discussions focused on dividends, growth strategy, M&A plans, and digital transformation.
Prof. Dr. Nguyen Thi Phuong Thao, Standing Vice Chairman of the Board of Directors of HDBank, said mergers and acquisitions have been a long-term strategic direction since 2011, contributing to the bank’s expansion.
Notable transactions include the merger with Dai A Bank, the acquisition of Société Générale Vietnam Finance Company, and the transfer of Dong A Bank.
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HDBank’s leaders during the event. Photo by VnExpress/Quynh Tran |
Expanding investor connectivity
The event also included discussions with international investment funds and financial experts.
Dr. Philipp Rösler, former Vice Chancellor of Germany and senior advisor to HDBank, highlighted the role of financial institutions in connecting global capital with emerging markets such as Vietnam.
HDBank is expanding cooperation with international partners, including the London Stock Exchange, and participating in initiatives linked to the Vietnam International Financial Centre in Ho Chi Minh City.
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Speakers during the panel discussion. Photo by VnExpress/Quynh Tran |
At the conclusion of the meeting, the bank’s leadership emphasized priorities of sustainable growth, governance aligned with international standards, and long-term value creation.
Chairman Kim said the bank is focused on long-term development rather than short-term results. “We are not chasing short-term numbers but building for longevity,” he said.
