Ho Chi Minh City Development Joint Stock Commercial Bank (HDB) investor relations material

Executive summary

• Total assets reached VND 1,045,435 billion as of June 30, 2026, up from VND 931,104 billion at the start of the year.

• Loans to customers increased to VND 659,000 billion, a significant rise from VND 546,371 billion at year-end 2025.

• Net profit attributable to owners for H1 2026 was VND 10,325 billion, up from VND 7,750 billion in H1 2025.

• The bank completed the acquisition of HDS, raising its ownership to 90% and consolidating its results.

Financial highlights

• Interest and similar income for H1 2026 was VND 43,585 billion, up from VND 32,981 billion year-over-year.

• Net interest income reached VND 18,236 billion, compared to VND 17,227 billion in H1 2025.

• Profit before tax for H1 2026 was VND 13,202 billion, up from VND 10,068 billion year-over-year.

• Earnings per share for H1 2026 was VND 2,063, up from VND 1,548 in H1 2025.

• Total liabilities increased to VND 955,209 billion from VND 852,818 billion at year-end 2025.

Outlook and guidance

• The bank is in the process of finalizing the fair value assessment of HDS assets and liabilities, with adjustments to be recognized within 12 months of acquisition.