HDB - Brief - [NONRATED]- 2Q26: Lower Provision Expenses Drive Earnings

2Q26 PAT surged +58% YoY to VND5,798bn, driven by reduced risk provision expenses (-38%yoy) and a moderate growth of operating incomes (+9.4%yoy). 1H26 PBT and PAT rose +31% YoY to VND 13,202bn and +33% YoY to VND 10,700bn, respectively, completing 44% of the full-year 2026 target.