As of September 30, 2025, SHB's total assets reached 852,695 billion VND, an increase of 14% compared to the end of 2024, gradually moving towards the figure of 1 million billion VND in 2026. Credit balance reached nearly 616,600 billion VND, an increase of 15% compared to the beginning of the year, ensuring the vital role of the economy, continuously providing capital, and promoting growth according to the orientations of the Party and the State.
SHB's products, credit programs, and preferential loan packages are designed to be "measureable" and suitable for each customer group from individuals to business households, small and medium-sized enterprises (SMEs), large enterprises... bringing capital flows to priority sectors and key industries that are focused on development in the period when the country enters a new era.
SHB continues to maintain itself in the TOP banks operating most effectively thanks to strong investment in transformation, digitization, and integration of modern technologies. On the other hand, the Bank strictly controls asset quality with the goal of maintaining bad debts below 2%. Capital safety indicators are all better than the regulations of the SBV and international standards, of which CAR is over 12%, significantly higher than the minimum level of 8% according to Circular 41/2016/TT-NHNN.
Improving the financial foundation – Accelerating transformation
Recently, SHB completed the increase in charter capital to VND 45,942 billion, according to the plan approved by the general meeting of shareholders at the beginning of the year, by issuing shares to pay 2024 dividends in the 2nd phase at a rate of 13%, before that the bank also completed paying 2024 dividends in the 1st phase at a rate of 5% in cash. The total dividend rate for 2024 is 18% and is expected to continue to be maintained in 2025.
Recently, SHB announced that October 16, 2025 is the date for closing the list of shareholders to collect written opinions on the new charter capital increase plan for 2025. The charter capital increase helps SHB continue to affirm its position in the market, improve its financial foundation and competitiveness, create conditions for expanding scale and developing business operations in a comprehensive transformation strategy. From there, the Bank continues to accompany people and businesses to meet the increasing capital needs of the economy, contributing to achieving the general growth target of the Government.
Strong capital resources allow the bank to promote technology investment to increase service experience for customers and promote more effective credit and business operations. This is a step to affirm SHB's commitment to accompanying the development of the economy and increasing sustainable value for shareholders.
The bank is implementing a strong and comprehensive transformation strategy towards the "Bank of the Future" model. This strategy deeply integrates modern technologies such as Artificial Intelligence (AI), Big Data, Machine Learning into the entire operating process, risk management, product and service development.
With outstanding financial solutions, SHB has been and is continuing to comprehensively cooperate with strategic partners who are large state-owned and private economic groups at home and abroad, developing ecosystem strategies, supply chains for satellite businesses, small and medium-sized enterprises and individual customers, firmly maintaining the prestige of a leading 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 re-lending banks, banks serving key national projects; participating in ADB's global trade finance program...
Recently, SHB was honored in the Top 10 Most Profitable Enterprises in Vietnam and Top 50 Most Effective Businesses in Vietnam. At the same time, the Bank also won many awards such as: "Bank for People", "Best Bank for Public Sector Customers in Vietnam" (FinanceAsia), "Best Bank with Sustainable Finance Activities in Vietnam" (Global Finance), "Best Sustainable Finance Bank for SME Enterprises in Vietnam"... SHB was also ranked by Brand Finance in the Top 33 most valuable brands in Vietnam and in the Top 500 banks with the highest brand value globally in 2025.
In a strong and comprehensive transformation strategy, SHB currently focuses on 4 pillars: Reforming mechanisms, policies, regulations, and procedures; People are the subjects; Taking customers and the market as the center; Modernizing information technology and digital transformation.
SHB aims to become the TOP 1 Bank in terms of efficiency; Most Favorite Digital Bank; Best Retail Bank and also the TOP Bank in providing capital, financial products and services to strategic private and state-owned enterprise customers, with supply chains, value chains, ecosystems, and green development. Vision to 2035, SHB becomes a modern retail bank, green bank, and digital bank in the TOP of the region.
