27 slides from Ho Chi Minh City Development Joint Stock Commercial Bank's earnings presentation, February 2026
Slide 1: FY2025 Business Update
FY2025 Business Update Ho Chi Minh City, February 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 2025 Key Financial Highlights 4 Appendix 3
Slide 4: A Top Performer in Vietnam Banking Sector With an Unrivalled Ecosystem
About HDBank A Top Performer in Vietnam Banking Sector With an Unrivalled Ecosystem Key Statistics As Of FY2025 USD USD USD 21.7 35.3bn 810mn bn Profit before Tax Total Credit Total assets ‘‘15 –’25CAGR: ‘15 –’25CAGR: ‘15 –’25CAGR: 24% 44.3% 26.2% Consumer Finance Securities Digital Bank 51%(1) 30%
Slide 5: Three Decades of Impressive Growth
About HDBank Three Decades of Impressive Growth • 2022: Selected to participate in Banking system restructuring program of SBV International investors • 2013: Acquired 100% of Société Générale Viet Finance (SGVF) from Société Générale • 2024: Launched Vikki digital app and re-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 Prime Minister fo
Slide 7: Tables of Contents
Tables of Contents 1 About HDBank 2 Business and Operation Updates 3 2025 Key Financial Highlights 4 Appendix 7
Slide 8: HD Financial Group – Key Highlights of 2025 Business Results
Business and Operation Updates HD Financial Group – Key Highlights of 2025 Business Results 34+ million customers 1,000+ trillion dong total assets, 600 branches and 50,000+ touch points The fastest-sustainable growing Bank The next-generation digital bank – 930 tn VND total assets, up 33.5% YoY Cre
Slide 9: Provide exceptional digital customer experience
Business and Operation Updates Provide exceptional digital customer experience Increase in of digital % of transactions conducted Increase in new-to-bank Acquisition channel split of new transactions in 2025 through digital channels customers in FY 2025 customers acquired acquired from +45% YoY +94%
Slide 10: Successful innovations and partnerships across the corporate banking segment
Business and Operation Updates Successful innovations and partnerships across the corporate banking segment MediPay EduPay MediPay is a smart health solution implemented by HDBank in cooperation with the National Health Information Center – Ministry of Edupay is a cashless tuition payment and search
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 Mobilizing Green and Sustainable Capital for Long-term Growth value chain loans / deposits Value chain loans & guarantees Value chain deposits VND44.9tn VN
Slide 12: Key Milestones: Securing the Future & Global Validation
Business and Operation Updates Key Milestones: Securing the Future & Global Validation Dr. Nguyen Thi Phuong Thao – HDBank received Permanent Vice Dong A Bank in Jan Chairwoman of 2025 and rebranded HDBank received into Vikki Digital the Labour hero Bank – the next- Award from the generation digital
Slide 13: Tables of Contents
Tables of Contents 1 About HDBank 2 Business and Operation Updates 3 2025 Key Financial Highlights 4 Appendix 13
Slide 14: HDBank's Financial Highlights
Financial Highlights HDBank’s Financial Highlights Credit • Sector-wide credit growth is at 19%. HDBank’s robust lending expansion Growth(1)(2) 34.3% YTD is supporting the business expansion and economic growth. 21,322 VND bn • Resilient profit growth was underpinned by diversified income PBT(1) +27
Slide 15: Strong Top Line Growth Drove Profit Higher And Exceeded AGM's Target
Financial Highlights Strong Top Line Growth Drove Profit Higher And Exceeded AGM’s Target Breakdown of HDBank’s Consolidated Earnings in FY2025 Unit: VND bn CIR at 27.2% improved 80bps YoY Net Fee income surged 133% driven by operational optimization YoY, driven by transaction fees, and digital tran
Slide 16: Robust Credit And Deposit Growth Highlighting Strong Customer Base
Financial Highlights Robust Credit And Deposit Growth Highlighting Strong Customer Base Deposits by business segment Loans to customers by business segment Unit: VND tn Unit: VND tn 570.3 648.5 22.1 87.3 518.3 431 145.6 18 421.9 81.3 343 402.6 50.9 16 142 264 445.5 258.8 17 134 203 271 217.3 333 42.
Slide 17: Diversified Credit Portfolio Strengthened by Strategic Initiatives in 2025
Financial Highlights Diversified Credit Portfolio Strengthened by Strategic Initiatives in 2025 Customer Loan Breakdown Retail Customer Loan Breakdown 17.3% Household and consumption 4.4% Agriculture (Retail) 3.6% 13.2% Real estate 23.9% Auto Retail, wholesales, and automobile services 12.7% 17.1% H
Slide 18: Non-performing Loans Remained Stable
Financial Highlights Non-performing Loans Remained Stable NPL and Coverage ratios Provisions and Credit costs Unit: VND bn 81.7% 78.7% 71.6% 68.7% 73.0% 72.0% 56.2% 70.4% 1.93% 65.8% 1.31% 1.47% 1.35% 54.4% 1.21% 1.41% 0.39% 0.32% 0.45% 0.60% 3,233 2,578 4,249 1,491 2.3% 3,301 1.8% 2.0% 1,131 1.7% 1
Slide 19: Sustained Profitability Supported By Market-leading NIM
Financial Highlights Sustained Profitability Supported By Market-leading NIM Profit before Tax NIM, Funding Cost, Yield on IEA (YTD) Unit: VND bn 21,322 12.2% 16,730 13,017 10.5% 9.6% 9.5% 10,268 8,070 8.3% 5.60% 5.20% 5.10% 4.84% 4.40% 2021 2022 2023 2024 2025 6.7% 4.4% 4.7% 4.6% 3.9% Profitability
Slide 20: Capital and Leverage Positions Remained Robust
Financial Highlights Capital and Leverage Positions Remained Robust Capital Adequacy Ratio Loan Limit Ratios (Parent bank) 16.7% SBV’s LDR cap of 85% 14.4% 14.0% 13.4% 76.6% 12.6% 6.0% 66.7% 68.5% 67.0% 4.3% 66.2% 2.8% 5.3% 3.6% 10.6% 10.8% 10.1% 9.0% 8.7% SBV’s minimum 22.5% 19.0% 20.7% CAR 17.2% t
Slide 21: HD Saison Maintained Healthy Asset Quality and Strong Profitability
Financial Highlights HD Saison Maintained Healthy Asset Quality and Strong Profitability Loan Book Total Disbursements Unit: VND bn Unit: VND bn 32,204 22,070 26,986 27,689 24,448 16,086 18,212 20,364 16,838 13,376 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 Breakdown of Loan (2025) NIM & Fund
Slide 22: HD Saison Maintained Healthy Asset Quality and Strong Profitability
Financial Highlights HD Saison Maintained Healthy Asset Quality and Strong Profitability Profit before Tax Market-leading profitability Unit: VND bn 23.1% 24.2% 23.7% 1,390 22.5% 1,152 1,214 1,001 13.4% 660 5.3% 5.8% 5.2% 5.0% 3.0% 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 ROE ROA TOI & CIR
Slide 23: Tables of Contents
Tables of Contents 1 About HDBank 2 Business and Operation Updates 3 2025 Key Financial Highlights 4 Appendix 23
Slide 24: Uy wy c= oD) i= oy etter
Uy wy c= oD) i= oy etter
Slide 25: HDBank's Branch Network
Appendix HDBank’s Branch Network
Slide 26: Nationwide Network Enables Broad Access To Diverse Financial Services
Appendix Nationwide Network Enables Broad Access To Diverse Financial Services HCMC Hanoi Branches and Representative 61 Offices 56 Branches Offices and Representative 2,997 POS 1,899 POS North regions Central regions 87 Branches Offices and Representative 45 Branches Offices and Representative 7,28
Slide 27: Contacts: Investor Relations Department
Contacts: Investor Relations Department IR@hdbank.com.vn ANNUAL SUSTAINABILITY REPORT REPORT