“SHB – Trusted by Over 100,000 Shareholders: Growing and Thriving Together.”

SHB is not just an investment, but a relationship built on transparency, responsibility, and long-term vision. The Annual General Meeting of Shareholders is like a “festival” for thousands of shareholders and proxies in attendance.

With over 100,000 existing shareholders, SHB is one of the banks with the largest and most dedicated investor communities in the market. Everyone comes to the shareholders’ meeting for their own reasons – some for profit expectations, some for transparency, and others simply for the pride of being a part of SHB. The consistent presence, open dialogue, and sincere listening from the leadership team have created a unique culture for SHB. The shareholders’ meeting thus becomes a very important occasion and a reaffirmation of trust built from the heart.

Long-lasting trust from long-term shareholders

For Mr. D.T.H, a shareholder who has been with SHB for almost a decade, the Annual General Meeting is always a special event. Every year, he takes a trip from his hometown to Hanoi, not just to hear financial reports or wait for dividend figures. He comes to listen directly to the leaders of SHB, to better understand their dedication, long-term strategy, and commitment to walking alongside shareholders.

“During a period of economic fluctuations, the fact that SHB consistently pays dividends to shareholders – 18% in 2022 and 16% in 2023 – makes me even more confident in my investment,” he shared at last year’s meeting. For Mr. H, investing in SHB is not just about the numbers on the stock exchange; it’s about a relationship built on transparency, commitment, and responsibility.

Mr. D.T.H is not alone; many other middle-aged shareholders also expressed their satisfaction at this year’s meeting as they witnessed SHB’s continuous breakthroughs – from impressive business results to cultural, sports, and social welfare activities.

SHB always actively participates in social welfare activities, especially programs to support people in difficult circumstances. Last year, SHB responded to the government’s call to eliminate temporary housing nationwide and donated VND 100 billion to Soc Trang province. Recently, together with the Ministry of Public Security, SHB and T&T Group joined hands to support the construction of 700 houses for poor and near-poor households in Bac Lieu province, with a total amount of VND 42 billion. Earlier, in 2024, SHB and T&T Group accompanied the Ministry of Public Security and local police to implement a program to build 150 houses and 1 school for people and children of ethnic minorities in the northern mountainous provinces affected by storms and natural disasters.

“I feel that investing in SHB is totally worth it. I’ve attended many shareholders’ meetings, but SHB is the happiest because the Chairman and the Board of Directors always listen to shareholders,” said Mr. N.D.T at the meeting, expressing his desire to “pass on SHB shares to his children as a valuable asset.”

Shareholders were also touched by the special moments when SHB accompanied the Vietnamese football team at the 2024 ASEAN Cup, organizing flights to bring fans and players’ relatives to Thailand to cheer for the team – a humane, inspiring, and passionate act that spread the love of football and strong patriotism. Shareholders hope that SHB will continue to organize such meaningful journeys so that shareholders are not only attached because of profits but also because of pride.

New attraction from young investors

Not only maintaining the trust of long-term shareholders, but SHB is also witnessing a strong wave of participation from young investors – especially Gen Z, who bring modern thinking and value sustainability and transparency in investment.

Hoang Minh, a young investor, has held SHB shares for three years. To him, SHB is a good stock with stable and potential long-term growth. “The SHB leadership shares a common vision with shareholders, and I am particularly impressed by Mr. Bui Quang Huy – a determined, dedicated, and strategically-minded leader,” Minh shared.

In addition to working people, many students also actively seek to invest in SHB early. Ngoc and Ha Phuong, second-year students at the Banking Academy, started investing in SHB two months ago. “We see that SHB shares have the potential for recovery and growth. During the recent market volatility, SHB maintained stability compared to many other banks,” Ngoc shared. Both attended the shareholders’ meeting for the first time and were surprised by the bank’s professionalism and thoughtful organization.

In the eyes of many young investors, SHB is not just a bank stock. It is a symbol of a daring and innovative brand that constantly transforms to soar higher. They invest not only with money but also with faith and expectations for an SHB that is resilient in the new era.

The SHB Culture Day “Stepping into the New Era” left a deep impression on the community and society, especially the youth. The event was organized to show appreciation, strengthen connections, and increase love and pride in the organization among employees, providing momentum to prepare for the breakthrough phase and conveying the message of SHB’s mindset, aspirations, and vision as it steps into the new era – the era of national flourishing. Especially, the Culture Day was also a journey to honor traditional values combined with a spirit of creativity and innovation towards a sustainable future for the organization and the nation.

The pillar of trust

It is no coincidence that SHB consistently has one of the largest shareholder bases in the market, with over 100,000 existing shareholders. This trust is built on the practical and long-term values that SHB is creating for its shareholders.

For many consecutive years, SHB has maintained a consistent, transparent, and highly flexible dividend policy. The annual dividend ratio ranges from 10% to 18%, combining cash and stock dividends, providing cash flow for shareholders while increasing long-term holding value.

Last year, SHB paid a total dividend ratio of 16% for 2023, including 5% in cash and 11% in stock. This move demonstrates the bank’s financial strength, continuing to unite and ensure shareholders’ interests.

Following this development momentum, the dividend for 2024 will be set at 18%, including 5% in cash and 13% in stock. This once again reaffirms the bank’s consistent commitment to sharing growth results with shareholders while strengthening the financial foundation to serve the long-term development strategy through increased charter capital.

Notably, each dividend distribution is linked to a specific capital usage roadmap, focusing on key activities such as bank digitization, expansion of high-quality credit, investment in core technology infrastructure, and consolidation of the capital adequacy ratio according to international standards. This has created strong shareholder confidence, as SHB not only shares the fruits of growth but also uses these resources to enhance long-term value.

Following the impressive growth in 2024, SHB entered 2025 with a breakthrough business plan, demonstrating its long-term vision and market leadership. The bank aims to surpass VND 832,000 billion in total assets and VND 45,942 billion in charter capital, maintaining its position in the Top 5 largest private banks in Vietnam.

SHB targets a pre-tax profit of VND 14,500 billion in 2025, a 25% increase from the previous year. Credit balance is expected to grow by 16%, focusing on key production and business sectors and industries with sustainable potential, contributing positively to the national economy. The non-performing loan ratio continues to be tightly controlled below 2%, affirming the increasingly sophisticated and effective risk management capabilities.

As of March 31, 2025, SHB’s consolidated total assets reached VND 790,742 billion, a 6% increase from the end of 2024. Credit balance reached VND 575,777 billion, a 7% increase, indicating healthy and consistent growth. Credit quality indicators continue to be maintained within safe thresholds thanks to a proactive, resolute, and synchronized risk management and debt handling solution implementation across the system.

In the first quarter of 2025, SHB recorded a pre-tax profit of nearly VND 4,400 billion – equivalent to 30% of the annual plan. This result reflects not only SHB’s internal strength and strategic execution capabilities but also lays a solid foundation for the bank to confidently break through in the following quarters, moving closer to the goal of sustainable and effective development agreed upon by shareholders at the General Meeting.

Another factor that helps shareholders believe in SHB’s journey and future lies in the experienced leadership team with a broad vision and consistent commitment based on six core values: “Heart – Trust – Faith – Wisdom – Intelligence – Vision.”

It’s not just about financial results; SHB also touches shareholders’ emotions through humane actions. Another shareholder recalled the moment when SHB accompanied the Vietnamese football team at the 2024 ASEAN Cup, organizing flights to bring fans and players’ relatives to Thailand to cheer for the team: “Not every bank chooses to accompany fans in such a heartfelt way. For me, SHB is not just an investment; it’s also a source of pride,” said a shareholder.

From the dividend policy, strategic execution capabilities, to transparency in dialogue – every detail at SHB is guided by a spirit of sincere and professional service to shareholders and the community.

SHB: Sustainable and Green Development

In addition to positive financial results, shareholders’ trust in SHB’s future stems from the consistent strategy that demonstrates the leadership’s long-term vision.

From strengthening risk management according to international standards (Basel III, IFRS 9), SHB is modernizing its entire system according to the Bank of the Future initiative, partnering with leading technology partners such as SAP Fioneer and AWS, and implementing Core Banking on a cloud platform – a first in ASEAN.

Furthermore, SHB is realizing its vision of international expansion, aiming to reach VND 1,000,000 billion in total assets by 2026 and become a leading modern retail bank, green bank, and digital bank in the region.

The period from 2026 to 2027 is identified as the acceleration phase, with a focus on comprehensively integrating the financial-digital-customer ecosystem. Building on this development momentum, by 2028, SHB aims for breakthroughs in efficiency and sustainability. The bank aspires to be a leader in operational efficiency, the most beloved digital bank, the best retail bank, and a key provider of capital and financial services to strategic enterprises, both private and state-owned. SHB also focuses on building a comprehensive financial ecosystem linked to supply chains, value chains, and green development.

Looking further ahead, by 2035, SHB aims to be one of the most modern retail banks, pioneering in green transformation and leading in digital banking in the region.

SHB always emphasizes not just numbers but also sustainable risk management. The bank proactively invests in data systems and intelligent analysis tools, implementing modern governance standards such as IRB, ALM, FTP, and IFRS 9. As a result, SHB not only effectively manages current risks but also has the capability to forecast and adapt to future market fluctuations.

The accompaniment of tens of thousands of shareholders with SHB is not just trust – it is also recognition of the genuine values that have been painstakingly built. It is a belief in a bank that constantly changes for the better while keeping its promise: Accompanying shareholders, going far, and growing together.