As of September 30, 2025,SHB 's total assets will reach VND 852,695 billion, an increase of 14% compared to the end of 2024, gradually moving towards VND 1 million billion in 2026.

Outstanding credit balances reached nearly VND 616,600 billion, a 15% increase compared to the beginning of the year. SHB's credit products, programs, and preferential loan packages are tailored to suit each customer group, from individuals to business households, small and medium-sized enterprises (SMEs), and large enterprises, directing capital towards priority sectors and key industries that are being focused on for development as the country enters a new era.

SHB continues to maintain its position among the top-performing banks thanks to strong investments in transformation, digitalization, and the integration of modern technologies. Furthermore, the bank strictly controls asset quality, aiming to keep non-performing loans below 2%. Capital adequacy ratios are all better than those stipulated by the State Bank of Vietnam and international standards, with a CAR (Capital Adequacy Ratio) exceeding 12%, significantly higher than the minimum 8% required by Circular 41/2016/TT-NHNN.

Enhance financial foundations, accelerate transformation.

Recently, SHB completed increasing its charter capital to VND 45,942 billion, as planned and approved by the shareholders' general meeting earlier this year, by issuing shares as the second dividend payment for 2024 at a rate of 13%. Previously, the bank had also completed the first dividend payment for 2024 at a rate of 5% in cash. The total dividend rate for 2024 is 18% and is expected to be maintained in 2025.

Recently, SHB announced that October 16, 2025, is the record date for shareholders to provide written opinions on the proposed increase in charter capital for 2025. This increase in charter capital will help SHB further solidify its position in the market, enhance its financial foundation and competitiveness, and facilitate expansion and business development as part of its comprehensive transformation strategy. From there, the bank will continue to support individuals and businesses in meeting the growing capital needs of the economy , contributing to the government's overall growth targets.

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SHB's charter capital over the years. Source: SHB

Strong capital resources enable the bank to accelerate investment in technology, enhancing customer service experiences and further boosting credit and business operations. This step affirms SHB's commitment to supporting economic development and creating sustainable value for shareholders.

The bank is implementing a comprehensive and robust transformation strategy towards a "Bank of the Future" model. This strategy deeply integrates modern technologies such as Artificial Intelligence (AI), Big Data, and Machine Learning into all operational processes, risk management, and product and service development.

With its outstanding financial solutions, SHB has been and continues to comprehensively cooperate with strategic partners, including large state-owned and private economic groups both domestically and internationally, developing a strategic ecosystem and supply chain for satellite businesses, small and medium-sized enterprises, and individual customers, firmly establishing its reputation as a top-tier bank.

In the international financial market, SHB affirms its brand position as one of the few banks selected by the World Bank, JICA, ADB, KFW, and other international financial institutions as a relending bank and a bank serving key national projects; participating in ADB's global trade finance program…

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Recently, SHB was honored among the Top 10 most profitable businesses in Vietnam and the Top 50 most efficient businesses in Vietnam. Simultaneously, the bank won numerous awards such as: “Bank for People”, “Best Bank for Public Sector Clients in Vietnam” (FinanceAsia), “Best Sustainable Financing Bank in Vietnam” (Global Finance), “Best Sustainable Financing Bank for SME Businesses in Vietnam”… SHB was also ranked among the Top 33 most valuable brands in Vietnam by Brand Finance and is among the Top 500 banks with the highest brand value globally in 2025.

In its comprehensive and robust transformation strategy, SHB is currently focusing on four pillars: Reforming mechanisms, policies, regulations, and processes; Empowering people; Placing customers and the market at the center; and Modernizing information technology and digital transformation.

SHB aims to become the top bank in terms of efficiency; the most preferred digital bank; the best retail bank; and a leading provider of capital, financial products, and services to strategic private and state-owned corporate clients, with a green supply chain, value chain, ecosystem, and development. By 2035, SHB's vision is to become a leading modern retail bank, a green bank, and a digital bank in the region.

Thuy Nga

Source: https://vietnamnet.vn/9-thang-shb-lai-truoc-thue-12-300-ty-dong-2455015.html