HDBank Ranked Second Among Top Southeast Asian Banks
The bank achieved high efficiency and profitability marks in 2025 performance evaluations.
Updated on Oct. 8, 2026 in Financial Services
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HDBank secured the second position in S&P Global Market Intelligence’s 2025 ranking of the 50 largest Southeast Asian banks. The performance evaluation analyzed financial data for the 12 months ending December 31, 2025.
Why it matters
The rankings highlight a regional shift in banking efficiency, with six Vietnamese institutions placing in the top 10. These metrics offer business operators a benchmark for regional liquidity, capital adequacy, and operational costs.
HDBank earned an overall performance score of 0.87 points, trailing only Bank Central Asia’s 1.11 points. The bank also reported a 4.85% net interest margin and a 16.73% capital adequacy ratio.
The players
HDBank
A major Vietnamese financial institution focused on retail and corporate banking services.
Bank Central Asia
An Indonesian banking leader recognized for high operational performance and large-scale market presence.
S&P Global Market Intelligence
A research and data division of S&P Global that provides analytical performance benchmarks for the financial services sector.
The details
S&P Global Market Intelligence evaluated the 50 largest regional banks based on profitability, asset quality, liquidity, and cost efficiency. HDBank maintained a liquidity position where liquid assets accounted for 34.54% of its total asset base. This operational profile demonstrates how regional lenders are currently balancing high returns against regulatory capital requirements.
Timeline
December 31, 2025, marked the end of the financial data collection period.
The 2025 calendar year served as the primary reporting period for the performance rankings.
Market Landscape
These results follow the established trend of Vietnamese financial institutions gaining competitive ground in regional S&P Global performance rankings. The high placement of six Vietnamese banks reflects a broader period of improved cost-to-income efficiency across the nation’s sector.
Operators should use these metrics to assess the relative stability and efficiency of regional banking partners. When evaluating credit lines or transaction costs in Southeast Asia, compare potential banking partners against the 27.13% cost-to-income ratio benchmark established here.
The takeaway
The strong performance of Vietnamese banks suggests high operational efficiency compared to regional peers. Business owners should monitor regional cost-to-income ratios to gauge which banking partners may offer the most competitive fee structures in the coming year.
Further reading
For more on industry benchmarks, visit Financial Services.
Source note: This article includes information reported by Vietnamnews.
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