HDBank

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.

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

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

• Retail banking services
• Commercial lending
• Digital banking
• SME financing
• Green bond issuance

Headquarters

HQ city

Ho Chi Minh City

HQ country

Vietnam

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including personal loans, business loans, and working capital financing
2. Fee and Commission Income: Fees from credit cards, debit cards, remittance services, trade finance, foreign exchange transactions, and digital banking services
3. Green Bond Issuance: International green bond issuance program raising capital from institutional investors for climate finance initiatives

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core 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

Named customers5 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered flagship, major and minor.

• London Stock ExchangeflagshipStrategic or Co-development Partner · 14 April 2026Strategic 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.
• TemenosmajorTechnology or Integration · 14 April 2026Partnership for next-generation banking platform technology deployment to modernize HDBank's core banking systems.
• Vietnam International Financial Centre (VIFC-HCMC)majorStrategic or Co-development Partner · 14 April 2026Co-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 SenminorStrategic or Co-development PartnerCooperation agreement under London Stock Exchange partnership to facilitate Hoa Sen's access to international capital markets.
• THACOminorStrategic or Co-development PartnerCooperation agreement under London Stock Exchange partnership to facilitate THACO's access to international capital markets.
• Phuc SinhminorStrategic or Co-development PartnerCooperation 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

Market position

Competitive moat5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/c/HDBankOfficial
• Facebookfacebook.com/hdbankfanpage
• TikToktiktok.com/@hdbankofficial
• Xx.com/HDBankVietNam

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds9 records

Investors11 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HDBank