On August 19, SHB closed the list of shareholders receiving stock dividends at a rate of 13%, capitalization reached 3 billion USD.

SHB's Board of Directors has just issued a Resolution approving the last registration date to exercise the right to pay 2024 dividends in shares as August 19, 2025. Accordingly, SHB will pay 2024 dividends at a rate of 13%, through the issuance of 528.5 million shares, increasing charter capital to more than VND 45,942 billion, continuing to maintain its position in the Top 5 largest private commercial banks in the system.

Previously, SHB completed the first cash dividend payment for 2024 at a rate of 5%. The total dividend rate for 2024 approved by SHB's General Meeting of Shareholders is 18% and is expected to be maintained in 2025.

The increase in charter capital is of great significance in order to enhance the bank's financial and business capacity, increase SHB's competitiveness in the process of international economic integration, and especially meet the expected benefits of shareholders.

On the stock market, on August 4, SHB's capitalization reached 3 billion USD, its market price doubled compared to the beginning of the year, currently trading around 18,600 VND/share. SHB recorded many trading sessions of over 100 million shares, leading the VN30 group and the banking industry. Notably, on July 7, SHB had a record trading session of nearly 250 million shares. SHB is also a stock code that has attracted foreign investors with a net purchase volume of over 100 million units in July.

Throughout 32 years, SHB has always developed safely, publicly, and transparently; with sustainable profit growth, and a steady increase in charter capital over the years. SHB's safety, liquidity, and risk management indicators are all better than the regulations of the State Bank and according to international standards.

Breakthrough business results, improved asset 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 up sharply 28.9% over the same period.

Growth of SHB's total assets over the years (unit: billion VND)

In the first 6 months, SHB recorded accumulated pre-tax profit of VND 8,913 billion, an increase of 30% over the same period in 2024, equivalent to 61% of the 2025 plan. In the second quarter alone, pre-tax profit reached more than VND 4,500 billion, an increase of 59% over the same period.

Operational efficiency continued to improve significantly, reflected in the ROE index reaching over 18%. The operating cost to income ratio (CIR) was impressively controlled at 16.4% - the lowest in the industry. SHB continued to maintain the top position in average pre-tax profit per employee, reaching 1.3 billion VND/employee, the highest in the system.

Safety indicators continue to be well maintained. The loan-to-deposit ratio (LDR) and the ratio of short-term capital used for medium- and long-term loans are both within the limits prescribed by the State Bank. The consolidated capital adequacy ratio (CAR) remains stable at over 11%, far exceeding the minimum of 8% as prescribed, ensuring safe capital capacity for business operations.

Asset quality continued to improve significantly with the non-performing loan (NPL) ratio under Circular 31 being controlled at a low level. Group 2 debt dropped sharply to only 0.3%, asset quality improved strongly.

In 2025, the Bank aims to achieve pre-tax profit of VND 14,500 billion, an increase of 25% compared to 2024. The total assets target is expected to be VND 832 trillion and reach VND 1 million billion by 2026, marking a solid step forward in scale and position in the domestic and regional financial markets. For many years, SHB has been in the TOP 5 banks with the largest budget contributions in Vietnam and has always been a pioneer in responding to and closely following the country's policies and orientations.

SHB aims to become the TOP 1 Bank in terms of efficiency; the most favorite Digital Bank; the best Retail Bank and the TOP Bank in providing capital, financial products and services to strategic private and public corporate customers, with a supply chain, value chain, ecosystem, and green development. Vision to 2035, SHB will become a modern retail bank, a green bank, a digital bank in the TOP of the region.

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...
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.