At the conference, HDBank's Board of Directors highly appreciated the economic prospects in 2025, affirming the bank's fundamental advantages and open growth space. HDBank continues to focus on promoting digital business, exploiting the potential of the secondary urban market, rural agriculture and value chains, and participating in national strategic infrastructure projects, aiming for profit growth of 25%.

Gain momentum from comprehensive digitalization

In 2024, HDBank will achieve VND 16,731 billion in pre-tax profit, an increase of 28.5% compared to 2023. ROA will reach 2.0%, ROE will reach 25.7%, continuing to be among the leading banks in the industry. The consolidated bad debt ratio (according to Circular 11) is controlled at 1.48%. The capital adequacy ratio (CAR) according to Basel II will reach 14.0%.

As of December 31, 2024, HDBank's total assets reached VND 697,281 billion, up 15.8% compared to 2023. Capital mobilization reached VND 621 trillion, up 15.7%, of which deposits from economic organizations and residents increased by 18%. Total outstanding loans reached VND 437 trillion, up 23.9%.

HD Saison continues to lead in profit with VND 1,200 billion, a sharp increase of 83.9% in 2024. With a positive market outlook, HD Saison aims to achieve a profit of VND 1,500 billion in 2025.

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Informing investors, HDBank's Board of Directors said that in 2025, the bank aims to grow by 25%, aiming for a group of banks to achieve over VND 20,000 billion in profit. The efficiency indicators ROE and ROA maintain their top positions in the market.

The driving force for the goal of extending the 12-year high growth streak comes from the lending strategy targeting secondary urban areas and rural agriculture, with SMEs, households and potential value chains participating in infrastructure projects and national strategies, along with the Government's determination to promote GDP growth above 8%.

In 2025, HDBank will continue to promote digitalization, expand transaction scale and attract new customers. Technology is identified as a core driving force to improve customer experience, optimize operations and open up opportunities for sustainable growth.

In 2024, HDBank's digital transactions will increase by nearly 75%, and the number of new customers will increase by 187%. Currently, more than 97% of HDBank's personal transactions are conducted on digital platforms. The bank will continue to apply AI and Big Data in risk management, improve credit quality, and control the bad debt ratio to the lowest group in the market.

Converting DongA Bank into Vikki Digital Bank, a step forward in restructuring commercial banks

Discussing with investors at the conference, HDBank's Board of Directors informed about the plan to convert DongA Bank into Vikki Digital Bank.

Implementing the policy of the Government and the State Bank on restructuring the banking system, just after one month of receiving the transfer, HDBank quickly completed the management and operation apparatus and officially converted DongA Bank into Vikki Digital Bank, opening a new chapter for the career future of more than 4,000 dedicated and attentive employees, with a modern, friendly and convenient image.

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On February 17, Vikki Digital Bank opened its doors to welcome customers to make transactions at all business locations nationwide with a new look. This is a new generation digital bank connecting modern technology super applications with a network of branches and transaction offices; providing banking, financial, investment, insurance, travel, shopping services..., bringing a seamless, safe and secure experience according to international standards.

Welcoming customers to the new transaction space and brand, Vikki Digital Bank offers a special care program for existing customers and incentives to welcome new customers on the opening day. Many customers are excited to welcome the new generation of multi-functional digital banking services and smart financial utilities that Vikki Digital Bank brings.

With this strategic transformation, all the interests of DongA Bank customers are guaranteed, and at the same time, the commercial banking system has another important milestone in the restructuring process, towards sustainable, modern and healthy development.

Vinh Phu