The non-performing loans (NPL) ratio was low, while operational safety indicators were among the best in the industry. The operating income for the year topped VNĐ22 trillion ($936.39 million), up 31.1 per cent. The return on equity and return on assets were 23.5 per cent and 2.1 per cent, both higher than last year. HDBank owns only VNĐ4.3 trillion ($183.19 million) worth of corporate bonds, equivalent to just 1.6 per cent of total outstanding loans. HDBank also has a low real estate loan rate of 7.9 per cent of total outstanding loans.