Ho Chi Minh City Development Joint Stock Commercial Bank · HOSE:HDB
Ho Chi Minh City Development Joint Stock Commercial Bank — Q1 2026 Earnings Presentation
27 slides from Ho Chi Minh City Development Joint Stock Commercial Bank's earnings presentation, May 2026
Slide 1: 1Q2026 Business Update
1Q202 6 Business Update Ho Chi Minh City, May 2026
Slide 2: Disclaimer
Disclaimer IMPORTANT: You must read the following before continuing. In accessing the attached summary information presentation (this “presentation”), you agree to be bound by the following terms and conditions. This presentation contains confidential information. You should not reproduce or distrib
Slide 3: Tables of Contents
Tables of Contents 1 About HDBank 2 Business and Operation Updates 3 1Q2026 Key Financial Highlights 4 2026 Business Plan and Outlook 5 Appendix 3
Slide 4: A Top Performer In The Vietnam Banking Sector With An Unrivalled Ecosystem
About HDBank A Top Performer In The Vietnam Banking Sector With An Unrivalled Ecosystem Key Statistics As Of 1Q2026 USD 37.4bn USD 27.6bn USD 24.1bn Total assets Total deposits Total credit +5.7% YTD +11.9% YTD +8.0% YTD Consumer Finance Securities Digital Bank 51%(1) 90% 100%(2) USD 232.2mn 24.3%
Slide 5: Three Decades Of Impressive Growth
About HDBank Three Decades Of Impressive Growth • 2022: Selected to participate in Banking International investors • 2013: Acquired 100% of Société Générale Viet system restructuring program of SBV Finance (SGVF) from Société Générale and re- • 2024: Launched Vikki digital app branded as HDFinance •
Slide 6: Award-Winning Brand With International Recognition
About HDBank Award -Winning Brand With International Recognition Recognized by local and international organizations Prestigious awards from the Government and SBV Best Digital National Brand Best Digital Break-through Transformation awarded by Solution Provider Solutions awarded by SBV Prime Minist
Slide 7: Tables of Contents
Tables of Contents 1 About HDBank 2 Business and Operation Updates 3 1Q2026 Key Financial Highlights 4 2026 Business Plan and Outlook 5 Appendix 7
Slide 8: Key Highlights Of 1Q2026 Business Results
Business and Operation Updates Key Highlights Of 1Q2026 Business Results 34+ million customers 600 branches and >50,000+ touch points The fastest-sustainable growing Bank The next-generation digital bank – 984 tn VND total assets, up 38.4% YoY Account Credit facilities opening Lifestyle – >9 million
Slide 9: Provide Exceptional Digital Customer Experience
Business and Operation Updates Provide Exceptional Digital Customer Experience Increase in the number of digital % of transactions conducted through Increase in the digital transaction Acquisition channel split of new transactions in 1Q2026 digital channels value customers acquired +42% YoY 94% +106
Slide 10: Successful Innovations And Partnerships Across The Wholesale Banking Segment
Business and Operation Updates Successful Innovations And Partnerships Across The Wholesale Banking Segment MediPay EduPay MediPay is a smart health solution implemented by HDBank in cooperation with the National Health Information Center – Ministry of Health (NHIC). It is a Edupay is a cashless tui
Slide 11: Outstanding Track Record In Value Chain & Green Financing
Business and Operation Updates Outstanding Track Record In Value Chain & Green Financing Unique value chain approach has driven strong growth in value Mobilizing Green and Sustainable Capital for Long-term Growth chain loans / deposits Value chain loans & guarantees (1Q2026) Green loan balance (1Q20
Slide 12: Key Corporate Events: Shaping The Future & Affirming Our Leading Position
Business and Operation Updates Key Corporate Events: Shaping The Future & Affirming Our Leading Position The 2026 Annual General Meeting of Shareholders Approves High-Growth Plan for HDBank Collaborates with the London Stock Exchange to Connect Vietnam with the New Development Phase International Ca
Slide 13: Key Corporate Events: Shaping the Future & Affirming Our Leading Position
Business and Operation Updates Key Corporate Events: Shaping the Future & Affirming Our Leading Position Moody’s Upgrades HDBank’s Outlook to “Positive” HDBank Increases Ownership in HD SAISON to 75%: Enhancing Control, Optimizing the Ecosystem, Expanding Growth • On May 6, 2026, global credit ratin
Slide 14: Tables of Contents
Tables of Contents 1 About HDBank 2 Business and Operation Updates 3 1Q2026 Key Financial Highlights 4 2026 Business Plan and Outlook 5 Appendix 14
Slide 15: HDBank's 1Q2026 Key Financial Highlights
Financial Highlights HDBank’s 1Q2026 Key Financial Highlights Credit • Sector-wide credit growth is at appx. 3.18%. HDBank’s robust lending Growth(1)(2) 8.0% YTD expansion is attributable to wholesale & retail lending, mortgage lending, and consumer finance. Deposit • Sector-wide deposit growth is a
Slide 16: Robust Deposit And Credit Growth Highlighting Strong Customer Base
Financial Highlights Robust Deposit And Credit Growth Highlighting Strong Customer Base Deposits by business segment Loans to customers by business segment % growth % growth Unit: VND tn YTD Unit: VND tn YTD 725,5 620,2 570,3 24,2 +9.9% 648,5 +18.9% 103,9 22,1 87,3 152,4 +4.8% 518,3 431,0 145,6 81,3
Slide 17: Diversified Credit Portfolio Supports Resilient Loan Growth
Financial Highlights Diversified Credit Portfolio Supports Resilient Loan Growth Customer Loan Breakdown Retail Customer Loan Breakdown 19,5% Household and 0,1% consumption (Retail) 4,0% Personal Real estate 3,4% 13,7% Agriculture 28,0% Retail, wholesales, and Household automobile services 12,4% 15,
Slide 18: Sustained Profitability Supported By Market-leading NIM
Financial Highlights Sustained Profitability Supported By Market -leading NIM Profit before Tax & CIR NIM, Funding Cost, Yield on IEA (YTD ) Unit: VND bn 38,1% 39,3% 21.322 34,6% 35,2% 12,2% 16.730 27,2% 27,4% 26,0% 10,5% 13.017 9,6% 9,5% 9,2% 10.268 8,3% 8.070 5.355 6.107 5,2% 5,6% 5,1% 4,8% 4,4% 3
Slide 19: Market-Leading Capital Strength And Liquidity Profile
Financial Highlights Market -Leading Capital Strength And Liquidity Profile Capital Adequacy Ratio Solid Liquidity Ratios (Parent bank) 16,7% SBV’s LDR cap of 85% 16,2% 14,4% 14,0% 13,4% 76,6% 12,6% 6,0% 5,7% 68,5% 66,7% 66,2% 67,0% 67,7% 4,3% 2,8% 5,3% 3,6% 10,6% 10,8% 10,4% 10,1% 9,0% 8,7% SBV’s m
Slide 20: HD Saison Has Healthy Asset Quality And Sustainable Profitability
Financial Highlights HD Saison Has Healthy Asset Quality And Sustainable Profitability Loan Book Total Disbursements Unit: VND bn Unit: VND bn 32.204 26.986 27.689 24.250 24.448 22.070 20.364 16.839 16.086 18.212 13.376 9.850 6.969 2021 2022 2023 2024 2025 1Q2026 2021 2022 2023 2024 2025 1Q2025 1Q20
Slide 21: HD Saison Has Healthy Asset Quality and Strong Profitability
Financial Highlights HD Saison Has Healthy Asset Quality and Strong Profitability Profit before Tax Sustainable profitability Unit: VND bn 23,1% 24,2% 23,7% 1.390 22,5% 1.214 19,5% 1.152 1.001 13,3% 660 339 5,3% 5,7% 5,2% 5,0% 4,4% 306 3,0% 2021 2022 2023 2024 2025 1Q2025 1Q2026 2021 2022 2023 2024
Slide 22: Tables of Contents
Tables of Contents 1 About HDBank 2 Business and Operation Updates 3 1Q2026 Key Financial Highlights 4 2026 Business Plan and Outlook 5 Appendix 22
Slide 23: HDBank's Key 2026 Financial Targets
2026 Financial Outlook HDBank’s Key 2026 Financial Targets Key financial guidance Strategic Initiatives Item (VND tn) 2025A 1Q2026 2026F YoY growth 1 Aiming at Superior Digital Experience: • Create a seamless digital customer experience with core banking Total assets 931 984 1,194 28% transformation
Slide 24: Tables of Contents
Tables of Contents 1 About HDBank 2 Business and Operation Updates 3 1Q2026 Key Financial Highlights 4 2026 Business Plan and Outlook 5 Appendix 24
Slide 25: Titi ALG Me pe <q‘
‘) Titi ALG Me pe <q‘ fter Benefits» SY } Ke ee Y * riority
Slide 26: HDBank's Branch Network
Appendix HDBank’s Branch Network
Slide 27: Contacts: Investor Relations Department
Contacts: Investor Relations Department IR@hdbank.com.vn ANNUAL SUSTAINABILITY REPORT REPORT