Saigon - Hanoi Commercial Joint Stock Bank ( SHB ) announced its results for the first 6 months of 2025 with pre-tax profit in the second quarter reaching more than 4,500 billion VND, an increase of 59% over the same period.
SHB grows in scale along with quality
As of June 30, 2025, SHB's total assets reached nearly VND 825 trillion. Of which, outstanding customer loans exceeded VND 594.5 trillion, up 14.4% compared to the beginning of the year and 28.9% compared to the same period in 2024. This speed reflects the expansion of the bank's scale of operations.
In parallel with developing core activities, SHB actively accompanies the Government's policies, especially Resolution 68. This is a great opportunity for the bank to support the private economic sector through credit expansion, implementing preferential loan packages for small and medium enterprises, while promoting digital transformation and sustainable development.
SHB's credit growth is diversified by industry, focusing on priority areas and economic drivers. Customer deposits increased by 12.4%, double the industry growth rate (6.11% as of June 26, 2025), creating a solid capital foundation to support credit.
Asset quality continued to improve. Group 2 debt decreased to 0.3%, while the non-performing loan (NPL) ratio according to Circular 31 was controlled at a low level. Other safety indicators such as the loan-to-deposit ratio (LDR) and the ratio of short-term capital to medium- and long-term loans were all within the limits of the State Bank. In particular, the consolidated capital adequacy ratio (CAR) remained above 11%, far exceeding the minimum of 8%, ensuring solid capital capacity.
Profits accelerate, continue to implement dividends
In the second quarter of 2025, SHB achieved pre-tax profit of more than VND 4,500 billion, up 59% over the same period. Accumulated for 6 months, total pre-tax profit reached VND 8,913 billion, up 30% over the first half of 2024 and completed 61% of the 2025 plan. Operational efficiency is clearly demonstrated with the operating cost to total income ratio (CIR) of only 16.4%, among the lowest in the industry, and ROE reaching over 18%.
SHB currently has a charter capital of VND40,657 billion, ranking among the Top 5 largest private commercial banks. The State Bank has approved an increase in charter capital to VND45,942 billion in the third quarter of 2025, through the issuance of shares to pay 2024 dividends at a rate of 13%. Previously, SHB paid 5% cash dividends, raising the total dividend rate for the whole year of 2024 to 18%. The bank plans to maintain this level in 2025, affirming its solid financial potential.
According to SHB leaders, the bank aims to have total assets exceeding VND832 trillion by the end of 2025 and reaching VND1 million billion by 2026, consolidating its position in the domestic and regional financial markets.
SHB signed a comprehensive cooperation agreement with Binh Son Refining and Petrochemical Joint Stock Company
Enhancing risk management and capital safety, SHB implements long-term strategy
In parallel with promoting growth, SHB has completed the construction of a credit risk measurement model and capital calculation method according to Basel II standards - IRB enhancement method. The bank aims to fully meet Basel II - IRB by 2027, enhancing risk management capacity according to the direction of the State Bank.
SHB also implements Basel III standards on liquidity management (LCR, NSFR) and applies modern asset-liability management tools (FTP, ALM) to control cash flow, maintain liquidity and timely prepare for fluctuations. This is an important step to increase operational efficiency and build a capital buffer for long-term growth.
The Bank continues to be a partner of many international financial organizations such as World Bank, JICA, ADB, KFW, participating in key projects and ADB's global trade finance program.
In the long-term strategy, SHB aims to become the most favorite digital bank, the best retail bank, the TOP 1 bank in terms of efficiency. With a vision to 2035, SHB strives to become a modern retail bank, a green bank, a digital bank in the leading group in the region. The "Bank of the Future" model will deeply integrate artificial intelligence (AI), big data, machine learning into the operating process, products and services, bringing personalized experiences to customers.
On the stock market, SHB shares have a capitalization of more than 2.6 billion USD, high liquidity, and are often in the leading group of VN30. In the second quarter of 2025, the average trading volume was more than 70 million shares per session, with the session on July 7, 2025 alone reaching nearly 250 million units. Foreign investors net bought 41 million shares in this session - the highest level ever - and since the beginning of July, they have net bought 95 million units, showing the long-term attractiveness of SHB.
SHB strives to become a modern retail bank, a green bank, a digital bank in the leading group in the region. The "Bank of the Future" model will deeply integrate artificial intelligence (AI), big data, and machine learning into the operating process.
Social contributions and international awards
For many years, SHB has been in the TOP 5 banks contributing the largest budget in Vietnam and has always been a pioneer in responding to and closely following the country's policies and orientations.
With the philosophy of "Business development associated with social responsibility", over the years, SHB has continuously spread profound human values, promoting the fine traditions of the nation. Through the Central Committee of the Vietnam Fatherland Front and the Fatherland Fronts of provinces and cities, SHB and businesses in the ecosystem have donated thousands of billions of VND to support the poor and disadvantaged in society; support localities to overcome the consequences of natural disasters, storms and floods; Covid epidemic; build solidarity houses, eliminate temporary houses, dilapidated houses in many mountainous and border provinces...
The total amount of money that SHB and businesses in the ecosystem of businessman Do Quang Hien supported and contributed to the fight against the Covid-19 epidemic amounted to more than 1,500 billion VND through supporting the Government's vaccine fund; supporting medical supplies for hospitals and localities; supporting the program "Waves and computers for children"; supporting orphans due to the Covid-19 epidemic; accompanying "Spring for children" ...
Responding to the Prime Minister's call, SHB donated 100 billion VND to Soc Trang province; together with the Ministry of Public Security, implemented a program to eliminate temporary houses and support the poor in all provinces and cities, including building 700 houses for the poor in Bac Lieu province; 150 houses for people and 1 school for children of ethnic minorities in mountainous areas, in provinces heavily affected by storms and floods such as: Son La, Phu Tho, Tuyen Quang, Dien Bien, Yen Bai, Ha Giang, Cao Bang, Bac Kan, Thai Nguyen...
SHB and businesses in the ecosystem have donated thousands of billions of VND to support the poor and disadvantaged in society; and support localities in overcoming the consequences of natural disasters and floods.
With many practical contributions, SHB has been honored with many prestigious awards such as: "Bank for People", "Best Bank for Public Sector Customers in Vietnam" (FinanceAsia), "Bank with the Best Sustainable Finance Activities in Vietnam" (Global Finance), "Best Sustainable Finance Bank for SMEs in Vietnam" (Alpha Southeast Asia). SHB is also ranked by Brand Finance in the Top 500 banks with the highest brand value globally in 2025./.
Mr. Minh
Source: https://baochinhphu.vn/ket-qua-kinh-doanh-tot-shb-xay-chac-nen-tang-tang-truong-ben-vung-102250730092421059.htm
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