HDBANK (HOSE: HDB) | HDB 2025 AGM Note

STRENGTHENING INTERNAL STRENGTH, SUSTAINABLE GROWTH AND COMPREHENSIVE DEVELOPMENT

2025 Business Guidance

o       Total assets: VND 890,442 bn (+28% YoY)

o       Total deposits: VND 792,812 bn (+28% YoY)

o       Total outstanding balance: VND 579,896 bn (+32% YoY)

o       PBT: VND 21,179 bn (+27% YoY)

o       ROA: 2.15%, ROE: 26.2%

o      NPL (according to Circular No.31/2024/TT-NHNN) =< 2.0%

Action Program

o       Expand scale, achieve outstanding growth, and advance with strength.

o       Accelerate ecosystem customer growth and expand distribution channels.

o       Deliver innovative products and services.

o       Enhance specialization, centralize business operations, and strengthen risk management and operational control.

Dividend Policy

o       Maintain a high annual dividend payout ratio with 30% dividend in 2024 (10% in cash, 20% in shares).

o       Distributable profit for 2024 is VND 10,396 bn, with an expected dividend payout ratio of 28%.

AGM documents 2025: [here]

AGM resolution 2025: [here]