HCMC, VIETNAM – Media OutReach Newswire – 3 August 2026 – The Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank – HoSE: HDB) reported strong first-half 2026 results, with pre-tax profit rising 31% year-on-year to VND13.2 trillion (US$505 million). Total assets increased 12.3% from the beginning of the year to VND1.04 quadrillion (US$39.6 billion) as of June 30, placing HDBank among the few Vietnamese banks with assets exceeding VND1 quadrillion (US$38 billion). Total operating income rose 8.8% year-on-year to VND22.68 trillion (US$862.8 million), with non-interest income up 23.1%. Outstanding loans grew 18.8% to VND698.36 trillion (US$266 billion), with lending focused on manufacturing, SMEs, agriculture, infrastructure, supply chains and consumer finance. HDBank maintained strong financial health, with a Basel II capital adequacy ratio above 14% and a loan-to-deposit ratio of 72%.