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HDBank 上半年稅前盈利再創歷史巔峰

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越南胡志明市 – Media OutReach Newswire – 2025 年 8 月 8 日 – HDBank (胡志明市證券交易所:HDB) 公佈 2025 年上半年稅前盈利達 10.1 兆越南盾 (3.83 億美元),刷新歷史最高紀錄,按年增長 23.3%,主要受惠於強勁的數碼轉型、穩健的信貸增長及審慎的風險管理策略。

HDBank 公佈上半年稅前盈利創歷史新高,達 10.1 兆越南盾 (約 3.83 億美元)。— 圖片由 HDBank 提供
HDBank 公佈上半年稅前盈利創歷史新高,達 10.1 兆越南盾 (約 3.83 億美元)。— 圖片由 HDBank 提供

僅在第二季度,該行即錄得稅前盈利 4.7 兆越南盾 (1.79 億美元)。總營業收入增長 30%,達近 20.8 兆越南盾 (7.91 億美元),主要受惠於淨利息收入上升 15.8%,以及非利息收入激增 210%,其中數碼銀行及外匯交易表現尤為突出。

數碼化措施有效提升成本效益,成本收入比降至 25.5%。該行保持高盈利水平,股本回報率 (ROE) 達 26.5%,資產回報率 (ROA) 為 2.2%。

截至 6 月底,總資產達 784 兆越南盾 (約 298 億美元),較年初增長 12.4%。客戶存款增加 7% 至 664 兆越南盾 (約 252 億美元),貸款餘額則升 18.2% 至逾 517 兆越南盾 (約 196 億美元),增速幾乎為行業平均的兩倍。信貸資金主要投向基礎設施、製造業、消費及低風險行業。

不良貸款率 (NPL) 維持在 1.94% 的低水平,資本充足率 (CAR) 依據巴塞爾協議二標準超過 13%。

HDBank 持續配合政府及央行多項重點計畫,包括可負擔房屋貸款、數碼基建、高科技農業及綠色金融。

HD金融集團旗下的子公司亦表現強勁。HD SAISON 於 27,100 個服務點服務 1,550 萬名客戶,上半年稅前盈利達 7,090 億越南盾 (2,690 萬美元),按年增長 18%。Vikki 數碼銀行 (前身為東亞銀行) 短短五個月應用程式下載量突破一百萬次。HD 證券期內盈利達 3,820 億越南盾 (約 1,450 萬美元),股本回報率高達 29%,躋身越南十大最賺錢券商行列。

第二季度,數碼渠道貢獻了 75% 的新客戶,個人交易有 94% 經網上完成。該行正持續構建以人工智能及先進技術平台為核心的數碼生態系統,進一步鞏固其創新優勢。

該行近期榮獲多項國際及地區殊榮,包括《福布斯》越南及「2025 年東盟公司治理獎」。

Hashtag: #HDBank

The issuer is solely responsible for the content of this announcement.

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