AsemconnectVietnam - Ho Chi Minh City Development Commercial Bank (HDBank, HOSE: HDB) announced its business results for the first nine months of 2026 with consolidated pre-tax profit reaching VND18,379 billion, a 24.2% increase compared to the same period last year; total assets reached VND1.143 million billion.

In the first nine months, HDBank's total operating income reached VND34,062 billion, a 12.2% increase compared to the same period last year. Non-interest income reached VND6,538 billion, a 21.8% increase, with contributions from payments, insurance, foreign exchange, and financial services, showing continued diversification of revenue sources. In the third quarter alone, consolidated pre-tax profit reached VND5,191 billion.
The return on equity (ROE) reached 22.8%, and the return on assets (ROA) reached 1.9%. The cost-to-income ratio (CIR) was 24.9%, demonstrating efficient cost management and operations.
As of September 30, 2026, consolidated total assets reached VND1,143 trillion, an increase of 22.7% compared to the beginning of the year. Outstanding loans reached VND756 trillion, an increase of 28.55%, focusing on production and business, priority sectors, individual customers, household businesses, and SMEs.
Total deposits reached VND1,024 trillion; of which, customer deposits increased by 26.5% compared to the beginning of the year, strengthening the bank's resources to meet the capital needs of the economy.
Shareholder equity reached VND94,304 billion. HDBank also recently distributed stock dividends and bonus shares at a total rate of 30%, increasing its charter capital from VND50,053 billion to VND65,069 billion as approved by the General Shareholders' Meeting. This strengthened capital base enables the bank to proactively invest in technology, expand operations, and enhance its customer service capabilities.
The capital adequacy ratio (CAR) reached 13.9%; the loan-to-deposit ratio (LDR) was 71.5%; and the liquidity ratios LCR and NSFR according to Basel III standards remained above 100%. The individual non-performing loan ratio was 2.45% and the consolidated ratio was 2.55%. HDBank continues to focus on controlling credit quality, recovering and resolving bad debts, linking growth with strengthening asset quality.
HDBank's financial ecosystem currently serves over 34 million customers. At HDBank, over 94% of individual customer transactions are conducted through digital channels; more than 60% of new customers come from digital platforms. These results show that digital transformation is increasingly contributing directly to service capacity, customer attraction, and operational efficiency.
Vikki Digital Bank continues to develop digital products, upgrade technology, and expand its customer base after the transformation. By the end of September 2026, deposits reached VND248,373 billion, and outstanding loans reached VND143,123 billion.
HD SAISON achieved pre-tax profit of VND1,184 billion, an increase of 8.7% compared to the same period; Outstanding loans reached VND26,452 billion, an increase of 19.9% compared to the end of 2025. With over 28,600 service points and having served more than 17.5 million customers, HD SAISON continues to expand access to finance for essential needs, while focusing on credit quality management.
Meanwhile, HD Securities Joint Stock Company (HDS) achieved pre-tax profit of VND2,241 billion, 3.7 times higher than the same period last year, completing 66% of the annual plan. Operating revenue reached VND3,018 billion, 2.6 times higher than the same period last year; annualized ROE reached 27.5%. HDS is preparing for an initial public offering (IPO), expected in Q4/2026 after approval from the State Securities Commission, and will also complete the procedures for listing on the HOSE.
Source: VITIC/Bao Tai chinh – Dau tu