HDBank achieved 13,017 billion profit, promoting green finance and comprehensive digital transformation

On January 30, 2024, City Development Joint Stock Commercial Bank. Ho Chi Minh City (HDBank – stock code: HDB) announced its financial report for the fourth quarter of 2023 with all high growth targets according to the plan assigned by shareholders. Pre-tax profit reached 13,017 billion, up 26.8%. Individual bad debt is only 1.5%, quality indicators grow in the leading group.


HDBank’s pre-tax profit in the fourth quarter of 2023 reached VND 4,385 billion, an increase of 94.7% over the same period and for the whole year 2023 reached VND 13,017 billion – the highest level ever for this bank. Profitability targets ROA reached 2.0%, ROE reached 24.2%, both higher than the same period last year and in the leading group of the entire industry. The bank has proactively increased provisions to strengthen financial buffers and be ready for market fluctuations. CAR capital adequacy (Basel II standard) reaches 12.6%, reaching 150% compared to banking industry regulations.

As of December 31, 2023, HDBank’s total assets reached over 602 trillion VND, an increase of 44.7% compared to 2022. Capital mobilization reached 537 trillion VND, an increase of 46.5%. Consolidated credit balance reached 353 trillion VND, an increase of 31.8%.

In 2023, the digital banking channel will grow strongly in both the number of new customers and the number of transactions, increasing by 107% and 88% respectively over the same period last year. 94% of individual customer transactions are conducted on digital channels, significantly higher than the rate of 77% in 2022. For the first time, the number of new customers attracted on digital channels has exceeded the number of new customers. New products from traditional channels.


HDBank is a bank with decades of continuous high growth in the banking industry. On average over the past 10 years, HDBank achieved compound profit growth of 49.1% per year.

To maintain sustainable growth momentum over a long period of time, on the one hand, HDBank is steadfast in its multi-purpose retail, SME and consumer finance strategies, and on the other hand, actively applies the best international standards in management. modern banking. HDBank has pioneered the implementation of Basel II and in 2023 will continue to upgrade to Basel III international governance standards and implement the ESG strategy.

2023 also marks the 10-year journey of HDBank merging with DaiABank and acquiring consumer finance company Societe Generale Viet Finance (SGVF), the predecessor of today’s HD SAISON. These successful financial institution restructuring projects have created momentum for HDBank’s strong growth journey, expanding its geographical area to second-class urban areas and rural areas for chain financing and response programs. Effectively meet the consumer loan needs of workers and workers who do not have access to banking services.


Besides vibrant business activities, HDBank also accompanies the economy with practical and meaningful programs. The bank deploys many preferential loan packages with attractive interest rates to accompany people and businesses in economic development, contributing to repelling black credit. In addition, HDBank is the leading bank in promoting the One Commune One Product (OCOP) program, supporting farmers in bringing products to digital sales channels, applying non-cash payment, and deploying other products. practical social security program.

Proactively implementing social responsibility, in 2023 HDBank implemented many meaningful programs, such as awarding funds to perform thousands of surgeries for patients with cataracts, giving away health insurance cards and other goods. hundreds of scholarships, building hundreds of houses of love, great solidarity… across the country.

With high business results and positive contributions to the economy and society, HDBank was honored with many prestigious awards, notably the Asean Business Awards 2023 – Digital Initiative Award by the Council. Selected ASEAN Business Consulting. HDBank’s Board of Directors was honored as Board of The Year by the Vietnam Institute of Board of Directors (VIOD).

The bank also won two awards for Excellent Annual Report and Best Listed Company for Organizing the General Meeting of Shareholders organized by Ho Chi Minh City Stock Exchange, Hanoi Stock Exchange and Investment Newspaper; Best retail bank in Vietnam in 2023, Top 10 reputable banks, Top 10 reputable and effective public companies, Best bank for community responsibility in Vietnam in 2023.

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