Impressive business results and trust from shareholders
On April 22, Saigon - Hanoi Bank (SHB) successfully held the 2025 Annual General Meeting of Shareholders (GMS) at Melia Hotel, Hanoi, with the participation of thousands of shareholders and authorized persons. This year's Congress recognizes SHB's continued strong transformation, aiming to elevate its position and implement strategic goals, meeting the expectations of shareholders and investors.
SHB is currently in the group of banks with the largest number of shareholders in the market with more than 100,000 shareholders. At the meeting, SHB shareholders were happy to see the bank achieve many impressive achievements in 2024. Pre-tax profit reached VND 11,569 billion, up 25.2% over the previous year. Total assets reached VND 747,478 billion, up 18.6%, with outstanding credit reaching VND 533,984 billion.
Shared by shareholders
shareholder N.D.T shared his joy about the investment efficiency in SHB: Investing in SHB is completely worth it. SHB has completed and exceeded the targets, completing the payment of dividends in cash and shares, a clear demonstration of operational efficiency." This shareholder strongly believes in SHB's long-term development and hopes that the Board of Directors will continue to lead the bank to go further.

In addition, SHB is also praised for accompanying the Vietnamese football team at the ASEAN Cup 2024, organizing flights to bring fans to Thailand. This is an inspiring action, spreading national spirit and love for football.
Strong growth and international cooperation
SHB continues to expand international cooperation, with partners such as ADB, IFC, KfW, WB and Busan Bank (Korea). The bank also completed the capital transfer steps at SHBFinance, SHB Laos and Cambodia, while maintaining a network of more than 600 agents worldwide.
In addition to business development, SHB actively participates in social security activities. The Bank and T&T Group have supported the construction of 700 houses for poor households in Bac Lieu province with a total cost of 42 billion VND. SHB also supports housing construction programs for people in mountainous areas in the northern provinces affected by natural disasters.
SHB has donated thousands of billions of VND to programs to support the poor and disadvantaged, build houses of gratitude, and eliminate temporary and dilapidated houses in many mountainous and border provinces. The bank also supports preferential interest rate loan packages, reducing the burden on low-income customers.
Profit growth target of 25% and strategic plans
SHB sets a target of 2025, with total assets exceeding VND832 trillion, charter capital reaching VND45,942 billion. The bank sets a pre-tax profit target of VND14,500 billion, up 25% compared to 2024. The bank continues to grow total outstanding credit balance by 16%, controlling bad debt below 2%.
By the first quarter of 2025, SHB had achieved nearly VND 4,400 billion in pre-tax profit, completing 30% of the annual plan. SHB plans to increase dividends to shareholders at a higher rate than last year, including 13% of shares and 5% of cash.
SHB continues to invest heavily in technology, digital transformation and cooperate with large technology corporations such as SAP Fioneer and Amazon Web Service (AWS) to implement the 2024-2028 Transformation Strategy. The "Bank of Future" initiative will enhance SHB's competitiveness, provide modern digital banking services and excellent customer experiences.
In 2025, SHB will focus on implementing tools to improve sales processes, lending management and digital channels. The goal by 2026 is that SHB will have total assets of VND 1 million billion, rising to become the largest bank in the region.
Vision to 2035
SHB aims to become a modern retail bank, a leading digital bank in the ASEAN region. The bank will continue to develop sustainably, promote green, environmentally friendly development initiatives and achieve high efficiency.
SHB continues to be steadfast in the philosophy of "Enterprise development associated with social responsibility" and 6 core cultural values: "Heart - Trust - Trust - Knowledge - Intelligence - Vision". Chairman of the Board of Directors Do Quang Hien pledged to maintain a strong financial foundation and continue to promote the spirit of solidarity, creativity and efficiency in all activities of the bank.
The 33rd SHB General Meeting of Shareholders approved important contents, including the listing of SHB bonds issued to the public and the completion of the Board of Directors. Mr. Phan Dang Tuat was elected as an independent member of the Board of Directors for the 2022-2027 term.