SHB and the spirit of national enterprise
After more than three decades of development, SHB has grown to become one of the leading financial institutions in Vietnam with a charter capital of VND 40,658 billion.
SHB's ethnic enterprise spirit is clearly demonstrated through the Bank's always presence at important milestones of the country, bringing capital to key projects that change the national face, participating in credit institutional restructuring projects such as receiving Habubank merger.
As an important financial supply channel for the economy, the banking system in general and SHB in particular always determine the role and responsibility in "greening" capital flows for sustainable development goals, together with the Government to implement the Net Zero commitment by 2050.
SHB's proportion of outstanding loans granted to green sectors currently accounts for nearly 10% of total outstanding loans. In recent years, SHB has been a trusted partner of many financial institutions such as the WB, IFC, ADB... to bring credit flows to clean energy projects, green projects and SMEs, women-owned enterprises.
Notably, SHB is in the TOP5 of the largest private banks contributing to the state budget in Vietnam, contributing significantly to increasing the country's revenue and promoting socio-economic development activities.
In 2025, the Bank plans to have total assets exceeding VND 832 trillion, with charter capital reaching VND 45,942 billion. Total outstanding credit growth of 16%. The bad debt ratio is strictly controlled below 2%. Pre-tax profit reached VND14,500 billion, up 25% compared to 2024. The 2025 dividend ratio is expected to remain at 18%.
At the end of the first quarter of 2025, SHB's pre-tax profit reached nearly VND 4,400 billion, reaching 30% of the plan for the whole year of 2025. The figures show SHB's solid internal capacity and a favorable foundation for breakthrough growth targets in 2025.
Recently, Fitch Ratings announced for the first time the international credit rating results with Saigon - Hanoi Commercial Joint Stock Bank (SHB). Accordingly, SHB was rated by Fitch as having long-term issuance of domestic and foreign currency debt (Long-Term Issuer Default Ratings - IDRs) at "BB", with a "stable" rating outlook, among the top in the banking industry.
Always present when the country needs it, the people call
Throughout the 32-year journey of construction and development, SHB has always been eager to accompany, create and spread good values to people, communities and society. Along with business, SHB actively participates in social security activities and programs launched by the Party and the State.
SHB has implemented many social security activities in all provinces and cities across the country, working side by side with people to overcome difficult times. The bank has been awarded a Certificate of Merit by the Prime Minister for its achievements in preventing Covid-19 epidemics.
In 2024, SHB will continue to accompany provinces and cities affected by Typhoon Yagi, coordinate with localities to survey and support both financially and spiritually, helping people quickly stabilize their lives. In October 2024, responding to the Prime Minister's call, SHB donated 100 billion VND to Soc Trang province in the program "Warm home for my compatriots".
In addition, SHB and T&T Group also accompany the Ministry of Public Security to implement a temporary house removal program, supporting the poor across provinces and cities, including the construction of 700 houses for the poor in Bac Lieu province; 150 houses for people and 1 school for children of people 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...
At this year's General Meeting of Shareholders, many shareholders were moved to mention the special marks when SHB was the bank accompanying the Vietnamese football team at the ASEAN Cup 2024, organizing flights to bring fans and players' relatives to Thailand to cheer on the team - a humane, inspiring act, spreading the love of football and the strong national spirit.
Shareholders hope SHB will continue to bring such a meaningful journey, so that shareholders are not only attached to profits, but also to pride.
Strong and steady breakthrough to enter a new era
2025 is a special milestone for Vietnam with many important events. This year is also the time for the Prime Minister to orient acceleration, breakthrough, and focus on striving to successfully implement the socio-economic development goals for the period 2021 - 2025.
Along with the national development, SHB identifies 2025 as a year of acceleration, strong breakthrough, creating a solid foundation with the country entering a new era. SHB takes people and corporate culture as the foundation; modern and digital technology is the driving force for breakthrough and sustainable development, green banking is a long-term goal.
According to Decision Lab's 2025 satisfaction rate for Vietnamese banks, SHB is the bank that recorded the fastest satisfaction growth rate for the second consecutive year, affirming strong customer trust and a solid position in the financial industry.
SHB is focusing resources to implement a strong, comprehensive Transformation Strategy based on 4 pillars: Reforming mechanisms, policies, regulations, and processes; People are the subject; Taking customers and the market as the center; Modernizing information technology and digital transformation.
In particular, Bank of the Future (BOF) will be a key technology project - a comprehensive project to transform the operating and business model on the basis of building a bank with a business and operational process foundation structure, advanced customer service capacity, and outstanding governance capacity.
In addition, SHB will also continue to implement key projects in digital technology and information technology such as SHB SAHA, SAHA Branch, Core Card, Core Banking upgrade, Big Data technology applications and artificial intelligence (AI) to improve customer experience, optimize operating processes and data governance...
SHB sets a strategic goal of becoming TOP 1 Bank in terms of efficiency; Most Favorite Digital Bank; Best Retail Bank and also being the TOP Bank leading in providing capital, financial products and services to strategic private and state-owned enterprise customers, with supply chains, value chains, ecosystems, and green development.
