Ho Chi Minh City Development Joint Stock Commercial Bank (HDB) investor relations material

Executive summary

• Total assets reached VND 984,216,210 million as of 31 March 2026, up from VND 931,103,945 million at the start of the year.

• Loans to customers increased to VND 601,140,427 million, supporting asset growth.

• Net profit after tax for Q1 2026 was VND 4,902,140 million, a 12.5% increase year-over-year.

• Earnings per share rose to 952 VND from 846 VND in the prior year.

Financial highlights

• Net interest income for Q1 2026 was VND 8,483,022 million, up from VND 7,408,100 million year-over-year.

• Net gain from services was VND 847,069 million, while net gain from trading foreign currencies reached VND 321,875 million.

• Operating expenses totaled VND 2,587,015 million, slightly higher than the previous year.

• Provision expenses for credit losses were VND 1,258,493 million, down from VND 1,324,795 million year-over-year.

• Profit before tax was VND 6,107,334 million, up from VND 5,355,235 million.

Outlook and guidance

• The bank continues to focus on expanding its loan portfolio and maintaining asset quality.

• Risk management policies are emphasized to address credit, market, and liquidity risks.