According to the announced plan, SHB plans to issue 750 million shares, equivalent to 16.32%; of which 200 million private shares will be offered to professional investors at home and abroad, 459.4 million shares will be issued to joint-stock shareholders and 90.6 million shares will be issued under the employee selection program (ESOP).
After completing the issuance, SHB's charter capital will increase by a maximum of 7,500 billion VND, to 53,442 billion VND, expected to rise to TOP 4 private commercial joint-stock banks. The expected implementation time is in the fourth quarter of 2025 and 2026.
First private issuance for professional investors
The bank plans to offer 200 million shares, equivalent to 4.35% of outstanding shares, to professional investors. The offering price is determined to be the average closing price of SHB shares in 10 consecutive trading sessions immediately preceding the Board of Directors' resolution to implement the offering plan.
The capital raised from the issuance, SHB allocated to additional mobile loans, fixed asset investment, and increased lending to production and business, and project implementation.
SHB wishes to find partners who are professional investors or companion organizations, in order to improve management capacity, technology and market expansion.
Offering to existing shareholders
In parallel, SHB is deploying the issuance of 459.4 million shares to joint-stock shareholders with a ratio of 100:10 rights (shareholders owning 100 shares are allowed to buy 10 new shares). The total amount mobilized from the issuance will be used to expand business operations, lending to production to implement projects, supplement working capital...
Issuing ESOPs to employees
Along with 2 stock offerings for professional investors and existing shareholders, SHB will also issue ESOP shares to employees to connect banks with employees, while attracting talent, improving work efficiency, contributing to jointly realizing strategic goals in the future.
The bank will issue 90.6 million ESOP shares to SHB employees. ESOP shares will be restricted from transfer for 18 months. The proceeds are expected to be used for credit activities to meet capital needs for the economy.
Deploying charter capital increases is part of the bank's strategy, improving financial capacity and continuing to affirm its role as a capital channel of the economy, accompanying the country into a new era.
According to the financial report for the first 9 months of the year, SHB recorded pre-tax profit of VND 12,235 billion, an increase of 36% compared to the same period, completing 85% of the year plan. This is a high growth rate compared to the industry average, showing effectiveness in credit strategy, cost control and product and service expansion.
As of September 30, 2025, SHB's total assets reached 852,695 billion VND, an increase of 14.1% compared to the end of 2024 and has now exceeded the 2025 plan, heading towards the milestone of 1 million billion VND of total assets by 2026. Outstanding loans to customers reached 607,852 billion VND, an increase of 17% compared to the beginning of the year, showing stable capital absorption capacity and clear competitiveness in approaching the target customer segment.
The operating cost-to-total operating income ratio (CIR) is at 18.9%, which is one of the banks controlling the CIR ratio best in the industry. SHB continues to maintain it in the TOP banks operating most effectively thanks to the application of transformation, digitization, and integration of modern technologies into all processes. On the other hand, the Bank strictly controls asset quality with the goal of maintaining the bad debt ratio below 2%. Capital adequacy indicators are all better than the regulations of the SBV and international standards, of which CAR is above 12%, significantly higher than the minimum level of 8% according to Circular 41/2016/TT-NHNN.
On the stock market, SHB shares are known as one of the stocks with the largest trading volume in the market, liquidity is always in the top. Since the beginning, SHB stock price has increased by 110%, currently fluctuating around the price of 16,900 VND/share. For many years, SHB has always focused on shareholder benefits, distributing dividends regularly at a high rate, in both cash and stock.
