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Ho Chi Minh City Development Joint Stock Commercial Bank
Ho Chi Minh City Development Joint Stock Commercial Bank (HDB) investor relations material
Ho Chi Minh City Development Joint Stock Commercial Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Total assets reached VND 931,101,281 million as of 31 December 2025, up from VND 697,366,458 million at the start of the year, reflecting significant growth in the balance sheet.
Loans to customers increased to VND 546,370,779 million, up from VND 442,484,841 million, supporting higher net interest income.
Net profit attributable to owners for 2025 was VND 16,503,470 million, a substantial increase from VND 12,763,193 million in 2024.
Charter capital rose to VND 50,052,763 million, reflecting capital increases and share issuances.
Financial highlights
Net interest income for 2025 was VND 34,746,190 million, up from VND 30,856,393 million year-over-year.
Profit before tax reached VND 21,321,798 million, compared to VND 16,730,791 million in the prior year.
Earnings per share increased to VND 3,580 from VND 2,826 year-over-year.
Total deposits from customers grew to VND 560,714,282 million from VND 437,505,165 million.
Cash and cash equivalents at year-end were VND 220,374,582 million, up from VND 137,261,526 million.
Outlook and guidance
The bank continues to focus on expanding its lending portfolio and deposit base, supported by capital increases and a growing branch network.
Ongoing digital transformation and integration of newly acquired subsidiaries are expected to support future growth.
Discuss Vikki Bank's non-consolidation impact
Explain Circular 31/Decree 86 loan provision impact
Detail debt selling/purchasing with Vikki Bank
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Next Ho Chi Minh City Development Joint Stock Commercial Bank earnings date
Q1 202624 Apr, 2026
Ho Chi Minh City Development Joint Stock Commercial Bank
Next Ho Chi Minh City Development Joint Stock Commercial Bank earnings date
Q1 202624 Apr, 2026
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