Affirming the position of Top 5 Private Joint Stock Commercial Banks of Vietnam
The Ranking of Top 10 Most Reputable Vietnamese Commercial Banks in 2026 is built by Vietnam Report based on scientific and objective criteria, including: Financial capacity shown in the latest year's financial statements; media reputation assessed by Media Coding method; and surveys of research subjects and stakeholders updated to May 2026.
Being in the prestigious ranking of the banking industry is proof of the stable, effective and sustainable development of Saigon - Hanoi Commercial Joint Stock Bank (SHB) in the context of the financial market entering a new cycle. This is also the recognition of the community, customers and independent assessment organizations for the bank's progress in the journey of innovation and value creation.
Being honored in the Top 10 Most Reputable Vietnamese Commercial Banks in 2026 is a source of pride, and also a motivation for SHB to continue to break through more strongly. We are committed to constantly improving the quality of products and services, increasing value for customers, shareholders, partners and the community; and making positive contributions to the development of the banking industry and the Vietnamese economy," shared a SHB representative.
In 2025, SHB recorded positive business results with pre-tax profit of VND 15,021 billion, an increase of 30% compared to 2024 and exceeding the set plan by 4%. The cost-to-income ratio (CIR) was maintained at 22.1% - among the lowest in the industry, reflecting efficiency in cost management, especially thanks to promoting process digitization and technology application throughout the system.
Entering the first quarter of 2026, pre-tax profit reached 4,656 billion VND, an increase of nearly 7% compared to the same period and fulfilling 26% of the annual plan. Total net income reached 7,471 billion VND, an increase of 23.5% compared to the same period. In which, net profit from service activities reached 1,288 billion VND, an increase of 291%, becoming a prominent highlight in the income structure of the first quarter of the year. As of March 31, 2026, SHB's total consolidated assets reached 930,983 billion VND, an increase of 4.4% compared to the end of 2025, aiming for the milestone of 1 million billion VND. The bank plans to increase its charter capital to 58,786 billion VND, firmly holding its position in the TOP5 largest private joint-stock commercial bank in Vietnam.
In recent years, SHB has been honored by many domestic and international organizations at prestigious awards such as "Bank with the Best Payment Solution Initiative in Vietnam" (The Asian Banker); "Best Bank for Public Sector Customers in Vietnam" (FinanceAsia); "Vietnam Bank with the Best Sustainable Finance Operation" (Global Finance), "Bank of the Year 2025" (The Banker); "Top 50 Best Businesses in Vietnam" (Vietnam Report), "Top 100 ASEAN Regional Banks" (The Banker), "Top 500 Banks with the Greatest Global Brand Value" (Brand Finance)...
SHB was honored to be awarded the Second-class Labor Medal (2 times), the Third-class Labor Medal and many flags, Certificates of Merit, Certificates of Commendation from the Government, ministries, branches, unions and other noble awards.
New generation national-level bank
Over more than three decades of construction and development, SHB has always closely followed the orientations of the Party, Government and national development strategies. Entering a new growth phase, the bank identifies two spearheads: developing the customer ecosystem and promoting the application of technology, becoming a "National-level Bank of the new generation", accompanying the country's development in the new era.
With the business orientation of developing a partner ecosystem, SHB does not approach customers individually, but according to the entire ecosystem surrounding the central customer. From a corporation or chain-leading enterprise, SHB provides financial solutions for all member companies, suppliers, distributors, agents, partners, employees and end customers. Thus, each major cooperation relationship not only creates credit growth, but also opens up a multi-layered growth space for the bank.
In addition, SHB is implementing the "Future Bank" model based on the "5 First" technology orientation: Data + AI First, People First, Cloud First, Security First and Mobile First. If the ecosystem is a growth space, then technology is a growth infrastructure.
If the ecosystem helps SHB expand customer depth, then 5 First helps SHB improve service quality, operating speed and scalability. The combination of these two pillars creates a new growth model for SHB: growth based on ecosystem connection, operation based on data and technology, and development based on customer experience and digital trust.
SHB aims to become the number 1 bank in terms of efficiency by 2030, the favorite digital bank, the best retail bank and the leading bank providing capital, financial products, and services to strategic business customers with a supply chain ecosystem, small and medium enterprises, individual customers, value chains, green development; small and medium enterprises, individual customers.
With a vision to 2035, SHB strives to become a modern bank, digital bank, and green bank in the leading group in the region.
To realize that goal, SHB is continuing to focus on implementing the Comprehensive Transformation Strategy based on 4 pillars: Taking customers and the market as the center; Reforming mechanisms, policies, regulations, and processes; People are the subjects; Modernizing information technology and digital transformation, with 6 core values: Heart - Trust - Trust - Knowledge - Wisdom - Vision.
