HDB: BOND PUBLIC OFFERING ANNOUNCEMENT - 1ST TRANCHE

Ho Chi Minh City Development Joint Stock Commercial Bank ("HDB") announces the public offering of bonds - 1st tranche in accordance with Bond Offering Registration Certificate No. 552/GCN-UBCK issued by the Chairwoman of the State Securities Commission on December 26, 2025, specifically as follows:

1. Bond Offering Registration Certificate

2. Bond Public Offering Announcement - 1st Tranche

3. Prospectus for Public Bond Offering

4. Enterprise Registration Certificate

5. License for establishing & operating JSCB

6. BOD Resolution No. 209/2025/NQ-HĐQT approving Bond Issuance Plan, UoP & Repayment Plan

7. CEO Decision No. 6985A/2025/QĐ-TGĐ regarding the implementation of the Bond Offering - 1st Tranche

8. Bank charter

9.1. Audited Consolidated FS for FY2023

9.2. Audited Seperated FS for FY2023

10.1. Audited Consolidated FS for FY2024

10.2. Audited Seperated FS for FY2024

11.1. Reviewed Consolidated FS for 1H2025

11.2. Reviewed Seperated FS for 1H2025

12.1. Consolidated FS for Q3 - FY2025

12.2. Seperated FS for Q3 - FY2025

13. Commitment Letter on Compliance with Offering conditions & Issuer obligations

14.1. Bondholders' Representative Agreement HDBC7Y263301

14.2. Bondholders' Representative Agreement HDBC8Y263401

14.3. Bondholders' Representative Agreement HDBC7Y263302

14.4. Bondholders' Representative Agreement HDBC8Y263402