Closely following the management orientation of the Government and the State Bank
Small and medium-sized enterprises are considered the "backbone" of the economy, but access to credit capital is still one of the bottlenecks for the process of maintaining and expanding production and business. In that context, the Government and the State Bank continue to orient credit institutions to reduce costs, create conditions to reduce lending interest rates and improve business access to capital.
Closely following this direction, SHB always proactively prioritizes credit for the production and business sector, focusing on priority areas and growth drivers. Right from the beginning of 2026, SHB has proactively developed a business plan, in which 45,000 billion VND of preferential credit is allocated to SMEs, individuals and business households with interest rates reduced by up to 2%/year.
To continue promoting credit into priority sectors, SHB adds VND 2,000 billion to new customers in the fields of manufacturing, export, high technology, supporting industries, agriculture, innovation... with an interest rate reduction of 0.5-0.7% compared to the current level. Implementation time from August 17, 2026 until the program disbursement ends.
As a result, the total scale of SHB's preferential credit program for SMEs, individuals and business households from the beginning of the year to date has reached 47,000 billion VND. At the same time, the bank is also implementing many other credit programs aimed at diversifying corporate and individual customers in priority sectors according to the direction of the Government and the State Bank.
In addition, the bank provides a comprehensive financial solution ecosystem including cash flow management, payment, trade finance, guarantees and supply chain finance, supporting businesses to improve capital utilization efficiency and increase connectivity in the value chain.
Towards a dual goal: Both sharing with customers and sustainable growth
SHB's preferential credit programs are implemented on the basis of strong financial capacity, increasingly improved operational efficiency and diversified capital sources. These are factors that create room for the bank to both support and share with customers, while ensuring safe, efficient and sustainable growth goals.
In which, SHB advocates streamlining the apparatus, comprehensively digitizing processes and simplifying administrative procedures, continuously innovating and creating to improve operational efficiency, shorten dossier processing time and optimize costs, improve productivity, aiming to reduce operating costs by 10-15% to accompany and share difficulties with customers.
On the other hand, the bank strengthens international capital mobilization, cheap capital sources as a foundation to build preferential interest rate credit packages, aimed at sustainable development and green economy enterprises. In 2025, SHB successfully mobilized two medium-term USD syndicated loans according to ESG criteria with a total scale of 600 million USD, attracting 26 international financial institutions to participate. This affirms SHB's position and prestige in the international financial market.
Expanding international medium-term capital sources, along with cooperative relationships with international financial institutions and development institutions such as IFC, WB... helps SHB diversify its capital structure, expand the ability to connect financial resources to serve customers' capital needs.
Over the past time, SHB's financial foundation has been continuously improved through the successful issuance of more than 750 million shares, thereby increasing charter capital to 53.442 billion VND, reaching the TOP 4 largest private joint-stock commercial banks in Vietnam. The Resolution of the 2026 SHB Annual General Meeting of Shareholders approved the plan to pay dividends for 2025 with a total rate of 16%, of which 10% in shares and 6% in cash.
SHB is actively completing procedures and seeking opinions from management agencies, ensuring that dividend payments are implemented in accordance with regulations and according to the set roadmap, ensuring the rights of shareholders. After being approved by management agencies, SHB's charter capital will increase to 58.786 billion VND, continuing to improve the financial foundation and resources for the long-term development strategy.
Ending the first 6 months of 2026, SHB's pre-tax profit reached 9,902 billion VND, completing 51% of the year plan; total assets reached 962,667 billion VND.
The cost-to-income ratio (CIR) is maintained at 16%, belonging to the best group in the industry, showing cost control efficiency in the context of continued expansion of operating scale. In parallel with growth, SHB controls credit quality and maintains better safety ratios compared to the regulations and standards of the SBV, ensuring a balance between growth targets, business efficiency and risk management.
