On April 22, Saigon - Hanoi Commercial Joint Stock Bank (HOSE: SHB) will organize the Annual General Meeting of the 2025 annual shareholders to submit to shareholders many important targets. The bank sets a plan of 2025 total assets exceeding 832 trillion dong, growth in total credit balance of 16%. The bad debt ratio is strictly controlled below 2%. Profit before tax aims at VND 14,500 billion, up 25% compared to 2024. Over the years, SHB is in the top 5 banks contributing the largest budget.
This year, SHB also aims to increase its charter capital to VND 45,942 billion, consolidate strong financial platforms, maintain the position of the Top5 Largest Private Bank in Vietnam. Accordingly, the bank will pay 2024 dividends for the total rate of 18%, including 13% in stocks and 5% in cash.
Earlier, on 8.4.2025, the State Bank decided to amend the content of the charter capital in the establishment and operation license of SHB. Accordingly, SHB's charter capital was recorded at VND 40,657 billion. The decision of the State Bank was issued after SHB completed the issuance of nearly 403 million shares to pay the second dividend in 2023 at 11%. In August, 2024, the bank completed dividends 2023 phase 1 in cash with the rate of 5% to shareholders; The total dividend rate of 2023 is 16%.
Over the years, SHB has regularly paid dividends with a rate of 10 - 18%, which shows responsibility to shareholders, and constantly improving the capital platform, safe, sustainable and efficient development, continuously improving management capacity according to international standards, modern models.
The bank continues to strengthen the capacity of risk management and supervision to comply with international, modern and effective standards. In addition, the bank determines the prevention of corruption, wastefulness and negativity is one of the key, regular, continuous, long -term tasks, demonstrating commitments to maintain a transparent, fair and effective working environment. SHB has invested in building a smart data platform and analytical tool, helping to forecast risk in real time and support to make decisions quickly, accurately and adapt to market fluctuations. At the same time, the Bank implements modern risk management standards such as Basel III, advanced capital calculation methods (IRB), property - debt management system (ALM), internal valuation (FTP) and IFRS 9 international accounting standards.
SHB always follows and positively responded to the Party, Government and SBV's policies, and regularly studied the analysis of the domestic and international situation and strategic management towards efficiency, safe and sustainable development. The bank always accompanies the people and businesses, economic development in parallel with social development. SHB determined that in 2025 was a breakthrough year of conversion, strong transformation, both strengthening internal resources and maintaining sustainable growth momentum.
Besides, throughout 32 years of development and the bank accompanying and spreading good values to the community and society. The bank is committed to fulfilling social responsibilities, contributing to the development of green economy, comprehensive finance and prosperous community. In 2024, the bank spent more than VND 150 billion on social security activities, supporting the poor, developing education and public health care.
In particular, accompanying the Ministry of Public Security, SHB and T&T Group to implement the program to delete temporary houses, support the poor across the provinces and cities, build 700 houses for the poor in Bac Lieu province; and built 150 houses for people and 1 school point for children of mountainous people who were heavily affected by floods such as Son La, Phu Tho, Tuyen Quang, Dien Bien, Yen Bai, Ha Giang, Cao Bang, Bac Kan, Thai Nguyen ... Accompanying in social security activities has become a traditional culture of SHB, not only at the present time but in the difficult periods of the community. In the pandemic period, SHB actively actively contributed to society, and people overcome difficulties through supporting money, sponsoring equipment and essential items at hospitals, supporting loan packages ...
The bank also deployed financial support packages, reducing interest rates with a total amount of up to trillions of dong (interest rate support programs; Loans for housing support packages for low -income people); At the same time, customers supporting business plans and supplying comprehensive financial products and services on modern technology platforms, helping customers manage financial efficiently. SHB also actively connects businesses with reputable organizations, provides market information and support policies from the State, helps businesses stabilize and develop.
Entering the new era, SHB continues to ensure the interests of shareholders, caring for the lives of workers, bringing prosperity to customers, shareholders, partners, investors, employees and more wider than the community and society.
