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HDBank - Improvement in operations alleviates near-term concerns - Listing Note

Exclusive strategic partnership with Vietjet Air (VJC) offers competitive advantage. HDB is a founding shareholder of VJC and its current 4.95% stake in VJC is a long-term investment, per management. Privileges and advantages from that partnership should continue in the future, allowing HDB to leverage its customer base and distribution channels at minimal cost.