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On April 27th 2012, at HCMc Opera House, HDBank held Annual General Meeting of Shareholders 2011 with the participation of Representatives from the State Bank of Vietnam, the State Securities Commission, Board of Directors (BODs), Board of Management, HDBank staff representatives and hundreds of shareholders nationwide.

The meeting, under the pride of its new name and new brand system, is generally covered in such an exciting atmosphere.

In the meeting, some major issues were discusses and finally adopted: Report in 2011 and plans in 2012; financial statement; profit distribution plan in 2011; the solution involved in increasing charter capital in 2012;  restructuring strategy ... At the same time, through the meeting, Board of directors, Board of supervision were also elected for the term 2012-2017.

(Members of BODs: Mrs. Le Thi Bang Tam. Ms. Nguyen Thi Phuong Thao. Mr. Nguyen Huu Thanh, Mr. Nguyen Huu Dang & Mr. Luu Van Son delivered speeches in the meeting)

In 2011, HDBank totally achieved positive operation results. Profit before tax reached 566 billion, increasing by 61% compared to 2010; total assets was 45,025 billion, growing by 31% compared to 2010; total capital mobilization reached 39,684 billion VND, surging up by 30% compared to 2010; total loans were 13,848 billion VND, rising up by 18% compared to 2010; NPL ratio was always controlled at 1.63%; outstanding non-productive loans / total loans was 14, 5%; profit before tax over shareholders’ equity was about 17.07%; Capital Adequacy Ratio (CAR) was 15.01%; short-term liabilities used for long-term loans was at 4.8% ...HDBank always meets the safe and stable criteria in running business so far.

HDBank brand, as holding many outstanding features as regards products, professional enthusiastic serving style & wide range of network coverage, is continuing taking an important position in existing customers and attracting many other new objective customers. Besides running business effectively, in 2011, HDBank also attached special importance to social activities, took care of staff’s lives, maintained union movements such as contests, culture performances in the industry and the entire system. Moreover, the community-oriented activities are becoming periodically doings of HDBank.

In 2011, HDBank was honored with many national and international awards: Grade A from The State Bank of Vietnam, emulation flag from the Governor of the State Bank, best cash management conferred by Asia Money, annual report with silver prize (America), outstanding International Payment, the best Savings Bank, the 200 fastest – growing businesses…

Stepping into 2012, being well aware of the challenges and difficulties of the economy, HDBank Board of Directors mainly focuses on comprehensive restructuring of banks under conservative, decisively, sustainable, coordinated direction. Also, HDBank makes its best effort to develop internal resources as well as takes advantage of opportunities to break through in the period 2013-2015. HDBank will strive to increase total assets to VND51,500 billion; liabilities  VND45.000 billion, outstanding loans VND15,200 billion  and keep bad debt below 2.5%, profit before tax VND645 billion; ROA 0.93% & ROE 13.22%.

In the meeting, BODs’s Representatives gave answers to plans and time of listing shares on stock exchanges; the transaction or shares transfer; the results of HDBank over the first quarter...

(Shareholders gave opinions in the meeting)

In the voting part for submissions, a large number of shareholders almost agreed with the report relating to the operation direction of HDBank in 2012.

Shareholders are voting…

Accordingly, The leaders of the term 2012-2017: BODs includes 5 members: Mr. Diep Dung, Mr. Nguyen Huu Dang, Mrs. Nguyen Thi Phuong Thao, Mrs. Le Thi Bang Tam, Mr. Luu Duc Khanh, Mr Luu Van Son; Board of Supervision consists of 3 members: Mr. Dao Duy Tuong; Mrs. Nguyen Thi Phung and Mr. To Xuan Thanh and the 2 consultants are Mr. Nguyen Thanh Hung & Mr. Nguyen Huu Thanh.

Mr. Nguyen Ngoc Thang – Deputy Director of the State Bank of Vietnam in HCMc gave high judgments on HDBank efforts for showing good performance in meeting the requirements relating to outstanding loans, bad debt control, profit, stable and safe system. He did believe that in the future, HDBank will maintain its strong growth rate, contributing to the development of the economy.

Mr. Le Nhi Nang – Director of The State Securities Commission also praised HDBank for good performance especially controlling bad debt under the context of difficult economy. In addition, he made commitments to support HDBank in any works as regards Stock Market in the near future.

Finally, Mrs. Le Thi Bang Tam, on behalf of BODs, showed sincere appreciations to valuable guidance from the State Bank of Vietnam, the Securities Commission as well as the support of Shareholders over years. In future, HDBank will keep restless determination to make solid development steps, to be committed best returns to customers, shareholders, staffs and society.

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