This year's congress marks the 35th anniversary of HDBank's establishment and development, a journey of building trust, accompanying customers, shareholders and the national economy. HDBank is transforming strongly to create HD Financial Group - a modern, multi-functional Banking and Finance Group, integrating technology and comprehensive services.

2024 - The year of courage, efficiency and trust

Overcoming many economic and financial fluctuations, HDBank continues to orient towards sustainable development, effective risk management and comprehensive growth. Accordingly, pre-tax profit reached VND 16,730 billion, up 28.5% compared to 2023, exceeding the set plan. Total assets reached VND 697,366 billion, up 15.8%; outstanding credit reached VND 437,731 billion (+23.9%); capital mobilization reached VND 621,119 billion (+15.7%).

The ROE index reached 25.71%, ROA reached 2.04%, maintaining in the group of banks with the highest efficiency. Meanwhile, the bad debt ratio was controlled at a low level (according to Circular 11) of only 1.48%, along with other safety indicators at a positive level.

Notably, Moody's has upgraded HDBank's baseline credit assessment (BCA) to Ba3, one of the highest levels in the Vietnamese banking system, recognizing the bank's management efforts, operational efficiency and sustainable growth potential.

At the end of 2024, HDBank will take over Dong A Commercial Joint Stock Bank under the transfer plan of the Government and the State Bank, a milestone demonstrating HDBank's financial capacity, reputation and pioneering spirit. At the same time, Vikki digital bank will be officially established, operating independently in finance and growing rapidly, contributing to the expansion of HDBank's comprehensive digital ecosystem.

2025 - Confidently accelerate, accompanying the country's development

With the high consensus of shareholders, HDBank sets ambitious business targets for 2025. Accordingly, the pre-tax profit target is expected to reach VND 21,179 billion, an increase of 27%, one of the highest increases in the industry. The expected ROE index is 26.2%, ROA is 2.15%, continuing to maintain its position as the leading efficient bank.

In addition, the total asset target is 890,442 billion VND (+28%), outstanding credit balance is 579,851 billion VND (+32%), capital mobilization is 792,812 billion VND (+28%). And the bad debt ratio is controlled below 2%, ensuring system stability and safety.

Regarding dividends, HDBank reported that the distributable profit in 2024 is VND10,396 billion, corresponding to an expected dividend payout ratio of 28%. However, in the context of market fluctuations, the bank will be flexible, cautious and seek shareholders' opinions at the right time to ensure financial capacity for long-term sustainable development.

The congress also officially announced the development strategy of HD Financial Group, including member units: HDBank - Main commercial bank, Vikki Digital Bank - New generation digital bank, HD SAISON - Consumer finance, HD Securities - Securities, HD Insurance - Insurance, HD Capital - Fund management and Dong A Money Transfer - Remittance service.

With more than 30 million customers, a network of more than 600 banking transaction points and 26,500 financial points, and pioneering technology capabilities, HD Financial Group aims to bring seamless, diverse, fast and effective financial experiences to people and businesses across the country and internationally.

Chairman of the Board of Directors Kim Byoungho said, “ We always act for transparency, for the foundation of trust. And that trust is an invaluable asset for HDBank to continuously attract investors, improve its position in the market and create sustainable value for all shareholders. ”

This is not only a strategic move, but also an affirmation of shareholders' trust, customer companionship and HDBank's commitment: sustainable development, transparency, leading innovation - for a comprehensive and prosperous financial future.

Source: https://thoibaonganhang.vn/hdbank-dat-muc-tieu-loi-nhuan-21179-ty-dong-trong-nam-2025-163317.html