<\/p>\n
The bank cited its digital transformation, credit growth, and risk management.<\/p>\n
Vietnam\u2019s HDBank\u2019s profit after tax is $306.28m (VND8.03t) in H1 2025, a 24.26% increase compared to a year earlier, its latest financial results showed.<\/p>\n
Pre-tax profit is at $383m in H1 2025, a 23.3% increase compared to the same period in 2024, and its highest ever recorded.<\/p>\n
The Vietnamese bank attributed this to strong digital transformation, robust credit growth, and prudent risk management.<\/p>\n
In Q2, HDBank\u2019s pre-tax profit was $178m (VND4.7t), whilst total operating income is up 30% to $791m (nearly VND20.8t), lifted by a 15.8% rise in net interest income and the tripling of non-interest income (210% rise) from digital banking and forex trading.<\/p>\n
Digitalisation reportedly enhanced cost efficiency, with the cost-to-income ratio falling to 25.5%.<\/p>\n
Return on equity (ROE) is 26.5% and return on assets (ROA) of 2.2%.<\/p>\n
Total assets is $29.8b (VND784t) as of 30 June 2025, up 12.4% year-to-date.<\/p>\n
Customer deposits reached $25.2b (VND664t), 7% higher YTD. Outstanding loans grew 18.2% to over $19.6b (VND517t). This is nearly double the sector-wide growth, HDBank said.<\/p>\n
Credit was channeled to infrastructure, manufacturing, consumption, and low-risk sectors.<\/p>\n
Non-performing loan (NPL) ratio was 1.94%, whilst the capital adequacy ratio (CAR) exceeded 13% under Basel II.<\/p>\n
Digital channels contributed 75% of new customer acquisitions in Q2, HDBank said, whilst 94% of individual transactions were made online.<\/p>\n
<\/p>","protected":false},"excerpt":{"rendered":"
The bank cited its digital transformation, credit growth, and risk management. Vietnam\u2019s HDBank\u2019s profit after tax is $306.28m (VND8.03t) in H1 2025, a 24.26% increase compared to a year earlier, its latest financial results showed. Pre-tax profit is at $383m in H1 2025, a 23.3% increase compared to the same period in 2024, and its […]<\/p>\n","protected":false},"author":1,"featured_media":4651,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4650","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-rubriki"],"featured_image_src":{"landsacpe":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/08\/HDBank-1.jpeg",529,371,false],"list":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/08\/HDBank-1-463x348.jpeg",463,348,true],"medium":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/08\/HDBank-1-300x210.jpeg",300,210,true],"full":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/08\/HDBank-1.jpeg",529,371,false]},"_links":{"self":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/4650","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/comments?post=4650"}],"version-history":[{"count":1,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/4650\/revisions"}],"predecessor-version":[{"id":4652,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/4650\/revisions\/4652"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media\/4651"}],"wp:attachment":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media?parent=4650"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/categories?post=4650"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/tags?post=4650"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}