HOSE:HDB Ratios and Metrics

Market cap in millions VND. Fiscal year is January - December.

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May '26 May 21, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	129,386,393	148,656,709	89,124,049	58,718,777	40,058,282	61,343,335
Market Cap Growth	74.21%	66.80%	51.78%	46.58%	-34.70%	62.06%
Last Close Price	25850.00	29700.00	19662.27	12528.36	8120.78	12565.58
PE Ratio	7.13	9.00	6.99	5.84	5.18	10.15
PS Ratio	3.83	4.51	3.10	2.65	2.12	4.25
PB Ratio	1.56	1.90	1.57	1.26	1.03	1.99
Debt / Equity Ratio	1.26	1.45	1.44	1.77	2.25	2.72
Net Debt / Equity Ratio	-1.09	-0.60	-0.90	-0.59	1.09	0.47
Net Debt / FCF Ratio	0.57	0.40	0.83	0.29	-1.26	-0.56
Return on Equity (ROE)	24.43%	25.30%	25.71%	24.21%	23.53%	23.26%
Return on Assets (ROA)	2.08%	2.10%	2.04%	2.03%	2.08%	1.86%
Earnings Yield	13.18%	11.12%	14.32%	17.15%	19.35%	9.87%
FCF Yield	-122.93%	-79.89%	-69.14%	-160.14%	-84.29%	-41.46%
Dividend Yield	-	-	-	5.13%	6.88%	-
Payout Ratio	-	-	22.82%	24.98%	-	-
Buyback Yield / Dilution	10.79%	4.90%	-12.57%	-0.50%	0.49%	-1.03%
Total Shareholder Return	10.79%	4.90%	-12.57%	4.63%	7.37%	-1.03%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.