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HDBank (胡志明市发展商业股份银行)上半年税前利润创纪录

3 months ago
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越南胡志明市 – Media OutReach Newswire – 2025年8月8日 – 受出众的数字化转型、强劲的信贷增长及谨慎的风险管理驱动, HDBank (胡志明市证券交易所代码:HDB) 2025年上半年录得创纪录的10.1万亿越南盾(3.83亿美元)税前利润,同比增长23.3%。

HDBank宣布上半年录得创纪录税前利润10.1万亿越南盾(3.83亿美元)— HDBank照片
HDBank宣布上半年录得创纪录税前利润10.1万亿越南盾(3.83亿美元)— HDBank照片

仅第2季度 ,HDBank就实现4.7万亿越南盾(1.79亿美元)税前利润。总营收增长30%,接近20.8万亿越南盾(7.91亿美元),其中净利息收入增长15.8%,非利息收入激增210%,主要来自数字银行及外汇交易业务。

数字化提升成本效率,成本收入比降低到25.5%。 HDBank还维持了高盈利率,股本回报率(ROE)26.5%,资产回报率(ROA)2.2%。

截止6月30日,总资产达到784万亿越南盾(298亿美元),年累增长12.4%。客户存款达到664万亿越南盾(252亿美元),增长7%,未收贷款超过517万亿越南盾(196亿美元),增长18.2%,是行业增长水平的近2倍。贷款主要用于基础设施、制造、消费和低风险行业。

不良贷款(NPL)率维持在1.94%的低水平,资本充足率(CAR)超过新巴塞尔资本协定(Basel II)规定的13%。

HDBank持续支持政府及中央银行的关键项目,包括经济适用房、数字基础设施、高科技农业及绿色金融贷款。

HD Financial Group的子公司也业绩出众。HD SAISON利用27100家网点服务1550万客户,上半年实现税前利润7090亿越南盾(2690万美元),增长18%。Vikki Digital Bank,原Đông Á Bank,APP下载量在5个月内超过100万次。HD Securities实现利润3820亿越南盾(1450万美元),ROE 29%,跻身盈利能力前十经纪公司。

数字渠道贡献2季度新增客户的75%,其中94%的个人交易在线上完成。HDBank持续利用AI驱动解决方案及先进平台,拓展数字生态系统。

HDBank 近期荣获数个权威奖项,包括越南福布斯大奖及2025年东盟企业治理奖(ASEAN Corporate Governance Awards 2025Hashtag: #HDBank

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