HDBank
HDBank is a Vietnamese commercial bank founded in 1990, serving retail consumers, SMEs and corporates across Vietnam with deposits, lending, cards, trade finance, digital banking and sustainable finance products through an extensive branch, ATM, agent and mobile channel network.
- Company typePrivate
- Founded1990
- HeadquartersHo Chi Minh City, Vietnam
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What HDBank does
HDBank is a Vietnamese commercial bank founded in 1990 and headquartered in Ho Chi Minh City, providing retail, SME and corporate banking services to consumers, businesses and investors across Vietnam. Its product portfolio spans cards (Visa, Mastercard, JCB, Napas networks), personal and business loans, savings and deposit products, remittance, FX and derivatives, trade finance (eLC, eFactoring), corporate cash management (Happy Payroll), insurance distribution, and international green bond issuance. Underlying these products is an omnichannel technology platform comprising the HDBank mobile app, e-SkyOne zero-fee digital account, eCredit 24/7 online business credit, eBanking suite for corporates (eDoc, eTT, eDrawdown, eZyloans), HDBank NOW self-service points, agent banking, and a Temenos-powered next-generation core banking platform.
HDBank generates revenue primarily through net interest income from its lending portfolio and fee/commission income from cards, payments, remittances, trade finance, FX and digital banking services, supplemented by capital-markets activity through green bond issuance and London Stock Exchange intermediation. The bank operates with 10,000+ employees, is publicly traded on the Ho Chi Minh Stock Exchange under ticker HDB, and holds a Moody's B1 deposit and issuer rating with a Positive outlook. Its distribution mix combines a physical branch and ATM network with self-service and agent banking channels targeting underbanked areas, supported by a digital-first acquisition strategy through mobile app, social media (Facebook, Zalo, TikTok, YouTube) and referral promotions.
The bank's strategy emphasises sustainable finance and ESG positioning, with capital sourced from international development finance institutions (IFC, FMO, BII, Proparco, DEG, JICA, FinDev Canada, SMBC) alongside the recent DongA Bank acquisition to expand domestic scale. Notable corporate affiliations include billionaire Nguyen Thi Phuong Thao / Sovico Group, and enterprise-level cooperation agreements with Hoa Sen, THACO and Phuc Sinh to facilitate cross-border capital market access.
HDBank firmographics
Firmographics- Name
- HDBank
- Legal name
- HDBank
- Website
- https://hdbank.com.vn
- Company type
- Private
- Founded year
- 1990
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- HDBank is a Vietnamese commercial bank founded in 1990, serving retail consumers, SMEs and corporates across Vietnam with deposits, lending, cards, trade finance, digital banking and sustainable finance products through an extensive branch, ATM, agent and mobile channel network.
- Ownership category
- akta.pro rank
HDBank industry classification
Industry- Product category
- Commercial Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Corporate Cards & Expense Solutions (T&E, purchasing, fleet) (FSABAIAG)
Keywords
Where HDBank is headquartered
LocationHeadquarters
- HQ city
- Ho Chi Minh City
- HQ country
- Vietnam
- HQ region
- Asia
Offices1 record
Markets served
HDBank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Interest Income: Traditional banking interest income from lending activities including personal loans, business loans, and working capital financing
- Fee and Commission Income: Fees from credit cards, debit cards, remittance services, trade finance, foreign exchange transactions, and digital banking services
- Green Bond Issuance: International green bond issuance program raising capital from institutional investors for climate finance initiatives
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal loans from 500 million VND with flexible terms |
| Usage-based | Pay-as-you-go | Business credit via eCredit platform |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels3 records
HDBank product offering
Product offeringCore offering
HDBank is a Vietnamese commercial bank providing a comprehensive range of financial services to individual consumers, SMEs, and corporate clients. Its offerings include deposit and savings products, personal and business loans, debit/credit/prepaid cards, international and domestic remittances, insurance distribution, foreign exchange, trade finance, cash management, derivatives, and digital banking platforms including e-SkyOne and eCredit. The bank also operates international green bond programs supporting renewable energy and ESG projects.
Product overview
HDBank operates as a comprehensive Vietnamese financial institution offering a platform-plus-modules architecture spanning personal banking, business/corporate banking, and digital-first services. The core personal banking suite includes cards (debit, prepaid, credit across multiple networks including Visa, Mastercard, JCB, Napas), loan products (secured and unsecured consumer loans), savings and deposit products, and digital banking services. The digital banking platform centers on the e-SkyOne zero-fee account and HDBank Loyalty rewards program. Business banking offerings include the eCredit online credit platform, eAccount corporate accounts, HDBank Bemax benefit-optimized accounts, trade finance solutions (eLC, eFactoring), cash management with payroll services (Happy Payroll), and derivatives for risk management. The eBanking Suite provides integrated enterprise services including eDoc, eTT, eDrawdown, and eZyloans. Premium services are delivered through HDBank Priority for high-value customers. Recent sustainable finance initiatives include international green bond programs supporting renewable energy and ESG projects.
Differentiator
Problem solved
Functional benefit
Brands
- HDBank Priority: Premium banking services for high-net-worth customers with exclusive privileges
- e-Skyone
- HDBank NOW
- HDBank Loyalty
- HDBank Bemax
Products and services
- HDBank Cards (Personal) Comprehensive card portfolio for retail customers including debit cards (HDBank Napas, MasterCard, Visa), prepaid cards (HDBank Napas Easy), and credit cards (Vietjet Platinum/Classic, Petrolimex 4in1, Epass 3in1, Priority Visa Signature, Best Friend Forever, JCB Ultimate, EZCard Visa Gold, Mastercard Gold, Visa Classic, Napas Flex, Muadee installment card).
- HDBank Loan Products Personal and business lending solutions including unsecured consumer loans, secured consumer loans, working capital loans, and online lending through digital banking channels. Example loan: 500 million VND over 60 months at 7%/year.
- HDBank Digital Banking (Ngân hàng điện tử) Digital banking platform offering online account opening, payment services, bill payments, online savings, premium account numbers, and online lending with 24/7 availability for retail customers.
- e-SkyOne Zero-fee digital bank account that can be opened within 1 minute, offering comprehensive digital banking services for retail customers.
- HDBank Savings Products Deposit and savings products including online savings, term deposits, and regular savings accounts with competitive interest rates for retail customers.
- HDBank Remittance Services International and domestic money transfer services for personal customers.
- HDBank Insurance Products
Quantifiable outcome
- Expected to reduce 102,000 tonnes of CO2 over 10 years through green bond-funded projects
- +2 more outcomes
Companies that use HDBank
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles5 records
HDBank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
HDBank partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered flagship, major and minor.
- London Stock ExchangeflagshipStrategic partnership to help Vietnamese businesses access international capital markets through cross-border fundraising including equity and bond issuance on London market. HDBank announced plans to issue up to $300 million in international green bonds as part of financing strategy.
- TemenosmajorPartnership for next-generation banking platform technology deployment to modernize HDBank's core banking systems.
- Vietnam International Financial Centre (VIFC-HCMC)majorCo-organized Vietnam International Financial Centre's Fintech Hub launch in Ho Chi Minh City with HDBank. Includes regulatory sandbox mechanism and $30 million fintech investment fund.
- Hoa SenminorCooperation agreement under London Stock Exchange partnership to facilitate Hoa Sen's access to international capital markets.
- THACOminorCooperation agreement under London Stock Exchange partnership to facilitate THACO's access to international capital markets.
- Phuc SinhminorCooperation agreement under London Stock Exchange partnership to facilitate Phuc Sinh's access to international capital markets.
Scale indicators8 records
Recent moves7 records
Expansion highlights7 records
HDBank competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights7 records
Customer concentration
HDBank social profiles
Digital presenceHDBank financial estimates
Financial estimateRevenue estimate
Valuation estimate
HDBank leadership team
Management profileNumber of profiles
HDBank funding detail
Funding detailFunding overview
Funding rounds9 records
Investors11 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HDBank M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about HDBank
What does HDBank do?
HDBank is a Vietnamese commercial bank providing a comprehensive range of financial services to individual consumers, SMEs, and corporate clients. Its offerings include deposit and savings products, personal and business loans, debit/credit/prepaid cards, international and domestic remittances, insurance distribution, foreign exchange, trade finance, cash management, derivatives, and digital banking platforms including e-SkyOne and eCredit. The bank also operates international green bond programs supporting renewable energy and ESG projects.
Is HDBank a public or private company?
HDBank is a private company. It is classified as public and is currently operating.
When was HDBank founded?
HDBank was founded in 1990. It employs 5,001 to 10,000 people.
Where is HDBank based?
HDBank is headquartered in Ho Chi Minh City, Vietnam, in the Asia region.
How does HDBank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are fee and Commission Income and green Bond Issuance.
Does HDBank have an API?
No public API is recorded for HDBank.
What industry is HDBank in?
HDBank's product category is Commercial Banking. Its primary akta.pro industry code is FSABAIAG, Corporate Cards & Expense Solutions (T&E, purchasing, fleet). Its NAICS code is 52211 and its SIC code is 6021.