Ho Chi Minh City Development Joint Stock Commercial Bank (HOSE:HDB)

HOSE:HDB Balance Sheet

Financials in millions VND. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	184,629,728	160,467,468	110,581,256	90,930,129	43,260,481	58,282,909
Investment Securities	92,969,935	77,969,888	36,359,067	44,236,070	51,183,207	65,637,256
Trading Asset Securities	29,031,915	490,537	21,955,775	18,691,011	1,797,822	11,198,067
Total Investments	122,001,850	78,460,425	58,314,842	62,927,081	52,981,029	76,835,323
Gross Loans	-	598,218,032	449,859,194	351,799,073	272,666,213	203,316,247
Allowance for Loan Losses	-	-7,478,889	-5,878,604	-4,054,457	-3,101,572	-2,452,068
Net Loans	-	590,739,143	443,980,590	347,744,616	269,564,641	200,864,179
Property, Plant & Equipment	955,358	2,621,801	2,598,135	3,082,471	631,621	663,478
Goodwill	-	-	-	-	4,799	10,562
Other Intangible Assets	1,176,361	887,279	878,472	709,618	683,436	702,847
Accrued Interest Receivable	11,940,561	6,121,518	4,531,325	6,602,101	4,403,501	3,256,425
Other Receivables	-173,215	19,554,891	44,541,258	6,068,625	4,038,407	2,753,426
Restricted Cash	37,682,263	59,907,114	26,680,270	41,481,638	11,273,345	11,847,980
Other Current Assets	-	11,148,619	4,181,870	41,742,613	26,188,610	17,274,831
Long-Term Deferred Tax Assets	65,069	72,726	155,916	76,708	32,798	-
Other Real Estate Owned & Foreclosed	-	229,044	229,044	290,642	267,373	280,755
Other Long-Term Assets	50,219,207	893,917	693,480	658,617	2,942,982	1,838,856
Total Assets	1,142,906,273	931,103,945	697,366,458	602,314,859	416,273,023	374,611,571

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	-	-	-	804,793	-
Accrued Expenses	-	119,516	115,424	737,086	984,990	471,920
Interest Bearing Deposits	823,425,141	644,399,441	481,356,143	404,275,888	267,665,424	249,525,505
Non-Interest Bearing Deposits	-	70,695,786	55,567,069	47,229,790	8,351,390	22,316
Total Deposits	823,425,141	715,095,227	536,923,212	451,505,678	276,016,814	249,547,821
Short-Term Borrowings	-	2,710,540	4,342,381	17,560,491	24,898,692	32,075,748
Current Portion of Long-Term Debt	-	-	-	-	10,783,557	10,463
Current Income Taxes Payable	-	2,513,751	915,608	1,820,741	1,337,559	400,126
Accrued Interest Payable	16,296,055	9,306,729	8,013,166	10,346,499	5,052,933	4,383,088
Other Current Liabilities	-	5,205,787	6,264,573	4,226,268	1,892,674	819,505
Long-Term Debt	197,600,968	110,976,474	77,083,778	64,763,435	51,960,689	51,755,986
Long-Term Unearned Revenue	-	1,466,945	2,100,473	1,223,782	134,519	-
Long-Term Deferred Tax Liabilities	-	-	-	-	-	602
Other Long-Term Liabilities	11,279,837	5,423,454	4,950,582	3,730,557	3,410,917	4,356,199
Total Liabilities	1,048,602,001	852,818,423	640,709,197	555,914,537	377,278,137	343,821,458

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	50,052,763	50,052,763	35,101,423	29,076,321	25,303,429	20,072,906
Additional Paid-In Capital	1,274,857	1,274,874	535,956	535,956	535,956	1,261,735
Retained Earnings	28,308,565	24,159,092	19,138,309	15,148,008	11,400,263	7,999,648
Treasury Stock	-	-	-413,448	-413,448	-413,448	-413,448
Comprehensive Income & Other	10,075,463	83,401	128,863	122,022	127,338	112,600
Total Common Equity	89,711,648	75,570,130	54,491,103	44,468,859	36,953,538	29,033,441
Minority Interest	4,592,624	2,715,392	2,166,158	1,931,463	2,041,348	1,756,672
Shareholders' Equity	94,304,272	78,285,522	56,657,261	46,400,322	38,994,886	30,790,113
Total Liabilities & Equity	1,142,906,273	931,103,945	697,366,458	602,314,859	416,273,023	374,611,571

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	197,600,968	113,687,014	81,426,159	82,323,926	87,642,938	83,842,197
Net Cash (Debt)	16,060,675	47,270,991	51,110,872	27,297,214	-42,584,635	-14,361,221
Net Cash Growth	-73.88%	-7.51%	87.24%	-	-	-
Net Cash Per Share	3199.02	7545.22	7758.79	4664.51	-7312.85	-2454.03
Filing Date Shares Outstanding	2,005	6,507	5,893	5,852	5,852	5,794
Total Common Shares Outstanding	2,005	6,507	5,893	5,852	5,852	5,794
Book Value Per Share	44741.64	11613.92	9247.43	7598.78	6314.57	5011.00
Tangible Book Value	88,535,287	74,682,851	53,612,631	43,759,241	36,265,303	28,320,032
Tangible Book Value Per Share	44154.96	11477.56	9098.35	7477.52	6196.97	4887.87

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 3, 2026

Data Sources Report a data error