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Ho Chi Minh City Development Joint Stock Commercial Bank (HDB) investor relations material
Ho Chi Minh City Development Joint Stock Commercial Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Total assets reached VND 781,937,368 million as of 30 September 2025, up from VND 697,366,458 million at year-end 2024.
Loans to customers increased to VND 488,594,897 million, reflecting robust credit growth.
Profit after tax for the nine-month period was VND 11,832,548 million, up from VND 10,010,660 million year-over-year.
Owners' equity rose to VND 68,407,053 million, driven by higher retained earnings and reserves.
Financial highlights
Net interest income for the period was VND 24,990,580 million, up from VND 22,653,673 million year-over-year.
Net fee and commission income reached VND 3,252,018 million, a significant increase from VND 993,441 million.
Provision expenses for credit losses rose to VND 7,759,869 million from VND 3,489,570 million.
Basic EPS for the period was VND 3,261, compared to VND 2,777 in the previous period.
Cash and cash equivalents at period end were VND 168,657,364 million, up from VND 125,917,015 million at the start of the year.
Outlook and guidance
The bank continues to focus on credit growth, risk management, and maintaining strong liquidity and capital positions.
Regulatory changes, including new provisioning and loan classification rules, are being implemented.
Impact of Vikki Bank exclusion?
Credit risk provisioning for restructured loans?
Drivers of associate income growth?
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Next Ho Chi Minh City Development Joint Stock Commercial Bank earnings date
Q4 202523 Jan, 2026
Next Ho Chi Minh City Development Joint Stock Commercial Bank earnings date
Q4 202523 Jan, 2026
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