Accordingly, SHB's new charter capital is recorded at VND 45,942 billion, continuing to affirm its position in the Top 5 largest private commercial banks in the system.
The SBV made a decision after SHB completed the issuance of 528.5 million shares to pay a dividend in 2024 at a rate of 13%. Previously, SHB had completed cash payment of shares at a rate of 5%. The total dividend ratio in 2024 paid by SHB is 18%.
Over the years, SHB has regularly divided dividends at a ratio of 10-18% in both cash and stock. SHB plans to continue maintaining an 18% dividend ratio in 2025 - affirming strong financial potential and long-term commitment to shareholders.
In 2025, SHB plans to achieve pre-tax profit of VND 14,500 billion, up 25%. The total asset target of VND832 trillion this year and VND1 million billion by 2026 marks a solid step forward in scale and position in the domestic and regional financial markets.
According to the BCTC for the first 6 months of the year that have been audited, as of June 30, 2025, SHB's total assets are nearly VND 826 trillion, of which outstanding customer loans exceeded VND 594.5 trillion, up 14.4% over the beginning of the year and increased sharply by 28.9% over the same period.
In the first 6 months of the year, SHB continued to promote potential strengths, along with strong business growth, actively developing and expanding the scale of operations, diversifying types of products and services, promoting customer development, recovering bad debts, applying technology to modernize banking to improve efficiency and operational productivity...
In the first 6 months, SHB recorded pre-tax profit of VND 8,946 billion, up 30% over the same period in 2024, equivalent to 62% of the 2025 plan.
SHB is known as an effective bank in the top group, with the cost of operating per total income (CIR) controlled at 16.4% - the lowest in the industry. The bank also leads in labor productivity with pre-tax profit per employee, reaching 1.3 billion VND/ employee.
Safety indicators continue to be maintained well. The ratio of unsecured loans (LDR) and the ratio of short-term and medium-term loans are both within the limits prescribed by the SBV. The converged capital safety ratio (CAR) remains stable at over 11%, far exceeding the prescribed minimum of 8%, ensuring safe capital capacity for business operations.
Asset quality continues to improve significantly with the bad debt ratio (NPL) according to Circular 31 being controlled at a low level. Group 2 debt fell sharply to only 0.3%, asset quality improved strongly.
With effective business and sustainable growth, SHB affirms its position in the "TOP10 most profitable private enterprises in Vietnam" according to Vietnam Report, "Top 100 most valuable brands in Vietnam" according to Brand Finance and is the Top banks contributing the largest budget in Vietnam in many years.
In a strong and comprehensive transformation strategy, SHB is currently focusing 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.
SHB aims to become TOP 1 Bank in terms of efficiency; Most Favorite Digital Bank; Best Retail Bank and also the TOP Bank providing capital, financial products and services to private and state-owned strategic corporate customers, with supply chains, value chains, ecosystems, and green development. Vision to 2035, SHB will become a modern retail bank, a green bank, and a digital bank in the TOP of the region.
