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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Ho Chi Minh City Development Joint Stock Commercial Bank (HDB) investor relations material
Ho Chi Minh City Development Joint Stock Commercial Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Consolidated profit after tax for Q2 2025 increased by 24% year-over-year, reaching VND 8,034 billion, reflecting quality growth and operational optimization.
Net interest income rose due to selective credit expansion and improved net interest margin (NIM).
Fee-based income, especially from payment services, posted strong growth, increasing the share of non-interest income.
Operating expenses were effectively controlled through digitalization and modernization, leading to a significant decline in the cost-to-income ratio (CIR).
Financial highlights
Total assets as of 30 June 2025 reached VND 784,096 billion, up from VND 697,366 billion at year-end 2024.
Loans to customers increased to VND 508,549 billion from VND 442,485 billion at year-end 2024.
Customer deposits rose to VND 478,700 billion from VND 437,505 billion.
Net interest income for H1 2025 was VND 17,227 billion, up from VND 14,880 billion year-over-year.
Profit after tax for H1 2025 was VND 8,034 billion, compared to VND 6,465 billion in H1 2024.
Outlook and guidance
The bank continues to focus on quality growth, digital transformation, and operational efficiency to sustain profitability.
Why is Vikki Digital Bank not consolidated?
How did new credit regulations impact provisions?
Explain the shift in trading vs investment securities.
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Next Ho Chi Minh City Development Joint Stock Commercial Bank earnings date
Q3 202527 Oct, 2025
Next Ho Chi Minh City Development Joint Stock Commercial Bank earnings date
Q3 202527 Oct, 2025
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