Congress full of excitement, breakthrough growth plan for 2026
With more than 160,000 shareholders, SHB belongs to the group of banks with the largest public ownership structure in the market. As one of the banks listing shares earliest and belonging to the VN30 basket - a large-cap stock group, SHB also maintains its position in the top in terms of liquidity. In 2025 alone, SHB shares recorded many trading sessions of over 100 million units.
Accordingly, SHB's total assets reached 892.009 billion VND, an increase of 19% compared to the beginning of the year and completing 107% of the plan. Charter capital reached 45.942 billion VND. The bank expects to complete the capital increase to 53.442 billion VND in May 2026, creating a foundation for growth in the next period. Pre-tax profit reached 15,021 billion VND, an increase of 30% compared to 2024 and exceeding the set plan by 4%.
Credit balance reached 619.538 billion VND, an increase of 16%, of which credit growth was tightly controlled, associated with improving asset quality and capital efficiency. SHB plans to pay dividends in 2025 at a rate of 16%, including 6% in cash and 10% in shares.
Regarding the business plan for 2026, SHB offers two scenarios, corresponding to the credit growth limit approved by the SBV.
Accordingly, scenario 1, SHB sets a target of total assets reaching 94,773 billion VND, an increase of 9% compared to 2025; outstanding loans reaching 681,103 billion VND, an increase of 10.2%; pre-tax profit reaching 17,665 billion VND, an increase of 18%. Scenario 2, if credit growth is approved at a maximum of 16%, SHB aims for total assets of 1,028,381 billion VND, an increase of 15%; outstanding loans reaching 716,148 billion VND; pre-tax profit reaching 19,165 billion VND, an increase of 28%.
In both scenarios, SHB continues to tightly control credit quality, maintaining the bad debt ratio below 2%. At the same time, charter capital increased to 58.786 billion VND, thereby strengthening financial capacity, improving capital safety indicators, better meeting international standards and creating a foundation for a new growth phase.
Based on positive business results and sustainable growth prospects, SHB expects the dividend rate for 2026 to be 18%, demonstrating a consistent commitment to ensuring the rights and long-term interests of shareholders.
SBV praises SHB's impressive growth results and sustainable orientation
Speaking at the Congress, the representative of the SBV - Ms. Hoang Huyen Cham, Deputy Director of SBV Region 1, acknowledged and praised the efforts and determination of the Board of Directors and all SHB employees throughout the system in the past time.
In the context of 2025 still facing many fluctuations and challenges from the domestic and world economies, SHB still maintains an impressive growth momentum, notably with a profit increase of 30%, completing and exceeding the plan set out by the AGM.
We believe that with the foundation built over the past 33 years, along with the consensus of shareholders and the determination of the Board of Directors and all employees, SHB will continue to develop safely and sustainably; making positive contributions to the stability of the banking industry as well as the development of the socio-economy, in line with the S-shaped logo of the country," shared a representative of the SBV.
Launching new brand identity - a milestone of transformation in the new era
At the Congress, SHB officially introduced a new brand identity - an important highlight, marking a strategic transformation on the journey of comprehensive innovation. Inspired by the shape of the S-shaped country and the philosophy of "round sky, square earth", the identity expresses connection with national cultural identity and accompanies the country, while bringing a modern, technological and integrated spirit.
Sharing at the Congress, Vice Chairman of the Board of Directors cum Deputy General Director Do Quang Vinh reaffirmed SHB's consistent orientation is to firmly adhere to the cooperation strategy, accompanying corporations, general corporations, large enterprises, and the locomotive of the economy. On that basis, SHB positions itself as one of the leading banks providing capital, products, services and modern financial solutions to strategic partners, large partners with ecosystems, supply chains, value chains and large individual customers.
Representing SHB, Chairman of the Board of Directors Do Quang Hien committed: Inheriting 33-year traditions and a solid financial foundation, the Board of Directors, the Management Board and all SHB employees continue to promote corporate culture, solidarity, confidence, self-reliance, self-strengthening, national pride, constantly learn, innovate thinking in thinking, doing, creativity, efficiency, and determination to successfully implement the strategic goals and business plan approved by the General Meeting of Shareholders.
SHB continues to promote internal strength, spread the spirit of responsibility and aspiration to contribute, step by step affirming the role of a financial institution operating safely and effectively, associated with the goal of sustainable development of the country, for the prosperity and happiness of the people and customers; for the benefit of shareholders, investors and partners; contributing to the prosperous development of the country, accompanying the country to enter a new era.
