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SHB – Where Over 100,000 Shareholders Place Their Trust, Joining Forces for Mutual Growth and Breakthrough in the New Era.

15 May, 2025

“SHB: Building a Legacy of Trust and Sustainable Growth”

With over 100,000 existing shareholders, SHB is one of the banks with the largest and most dedicated investor communities in the market. Each attendee at the annual shareholder meeting has their own reasons for being there – some driven by profit expectations, others attracted by transparency, and some simply proud to be a part of SHB. The consistent presence, open dialogue, and sincere listening exhibited by the bank’s leadership have cultivated a unique culture within SHB. As such, the annual meeting holds a particularly significant meaning and serves as a reaffirmation of the trust built upon sincerity.

Enduring Faith from Long-Term Shareholders

For Mr. D.T.H, a shareholder closely associated 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 await dividend figures. He comes to listen directly to the bank’s leaders, to sense their dedication, long-term strategies, and their commitment to walking alongside shareholders.

“During a period of economic fluctuations, SHB’s consistent dividend distribution – 18% in 2022 and 16% in 2023 – reinforces my confidence in my investment,” he shared at last year’s meeting. For Mr. H, investing in SHB is not merely about numbers on a stock exchange board; it’s about a relationship founded on transparency, commitment, and responsibility.

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

SHB consistently participates in social welfare activities, especially programs supporting disadvantaged individuals. Last year, SHB responded to the government’s call to eradicate temporary housing nationwide and contributed 100 billion VND to Soc Trang province. Recently, in collaboration with the Ministry of Public Security, SHB and T&T Group joined forces to provide funding for the construction of 700 houses for poor and near-poor households in Bac Lieu province, amounting to a total of 42 billion VND. Previously, in 2024, SHB and T&T Group partnered with the Ministry of Public Security and local police forces to implement a program to build 150 houses and 1 school for ethnic minority people and their children in the northern mountainous provinces affected by storms and natural disasters.

“I believe that investing in SHB is entirely worthwhile. I’ve attended numerous shareholder meetings, but SHB’s is the most enjoyable because the Chairman and the Board of Directors genuinely listen to shareholders,” remarked Mr. N.Đ.T at the meeting. He further expressed his desire to “pass on SHB’s shares to his children as a valuable asset.”

Shareholders were also touched by SHB’s unique initiatives, such as accompanying the Vietnamese football team at the 2024 ASEAN Cup and organizing flights to take supporters and players’ families to Thailand to cheer on the team. These acts of humanity, filled with inspiration, spread a powerful love for football and patriotism. Shareholders hope SHB will continue to organize such meaningful journeys, fostering attachment not only through profits but also through pride.

Attracting a New Generation of Young Investors

SHB has not only retained the trust of long-term shareholders but is also witnessing a strong wave of participation from young investors – especially Gen Z, who embrace modern thinking and value sustainability and transparency in their investment decisions.

Hoàng Minh, a young investor, has held SHB shares for three years. To him, SHB is a solid and stable investment choice with long-term potential. “SHB’s leadership shares a common vision with its shareholders, and I am particularly impressed by Mr. Hien – a determined, dedicated, and strategically-minded leader,” Minh shared.

In addition to working professionals, many students have also proactively explored and invested in SHB at an early age. Ngọc and Hà Phương, second-year students at the Banking Academy, started investing in SHB two months ago. “We recognized SHB’s ability to recover and grow. During the recent market volatility, SHB maintained better stability compared to many other banks,” Ngọc shared. Both first-time attendees at the shareholder meeting were impressed by the bank’s professionalism and thoughtful organization.

In the eyes of many young investors, SHB is more than just a bank stock. It symbolizes a brand that dares to think and act differently and constantly evolves to reach new heights. They invest not only with their money but also with their belief in and aspiration for an SHB that demonstrates resilience in the new era.

The SHB Culture Day, themed “Stepping Confidently into the New Era,” left a profound impression on the community and society, especially the youth. The event was organized to express gratitude, strengthen connections, and foster love and pride among employees, providing a boost to prepare for the breakthrough phase while conveying SHB’s mindset, aspirations, and vision as it steps into the new era – an era of national flourishing. Notably, the Culture Day also served to honor traditional values while embracing creativity and innovation for a sustainable future.

Pillar of Trust

It is no coincidence that SHB consistently ranks among the banks with the largest shareholder base in the market, with over 100,000 existing shareholders. This trust is built upon the practical and long-term values that SHB creates for its shareholders.

For many consecutive years, SHB has maintained a consistent dividend distribution policy, characterized by transparency and flexibility. The annual dividend ratio ranges from 10% to 18%, combining cash and stock dividends to provide shareholders with both immediate returns and enhanced long-term value.

In the previous year, SHB distributed a total dividend ratio of 16% for 2023, comprising 5% in cash and 11% in stock. This action demonstrated the bank’s financial strength and reinforced its commitment to aligning with shareholders’ interests.

Building on this momentum, the dividend for 2024 will be set at 18%, including 5% in cash and 13% in stock. This decision once again underscores the bank’s unwavering commitment to sharing growth outcomes with shareholders while strengthening its financial foundation to support long-term development through increased charter capital.

Notably, each dividend distribution is linked to a specific capital utilization roadmap, focusing on key activities such as bank digitization, expansion of high-quality credit, investment in core technology infrastructure, and reinforcement of the international capital adequacy ratio. This strategic approach has fostered a solid sense of trust among shareholders, as SHB not only shares its successes but also utilizes these resources to create lasting value.

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

SHB targets a pre-tax profit of 14,500 billion VND in 2025, representing a 25% increase from the previous year. Credit growth is projected to increase by 16%, focusing on key production and business sectors and industries with sustainable potential, positively contributing to the national economy. The bank continues to maintain a tight grip on non-performing loans, keeping the ratio below 2%, which affirms its increasingly robust and effective risk management capabilities.

As of March 31, 2025, SHB’s consolidated total assets reached 790,742 billion VND, a 6% increase compared to the end of 2024. Credit outstanding stood at 575,777 billion VND, reflecting a healthy 7% growth. Credit quality indicators remained within safe thresholds thanks to the proactive implementation of a comprehensive risk management and loan handling system across the entire organization.

In the first quarter of 2025, SHB recorded a pre-tax profit of nearly 4,400 billion VND, equivalent to 30% of the annual plan. This performance not only showcases SHB’s intrinsic strength and strategic execution capabilities but also lays a solid foundation for the bank to confidently accelerate in the upcoming quarters, moving closer to its goal of sustainable and efficient development as approved by shareholders at the annual meeting.

Another factor contributing to shareholders’ faith in SHB’s journey and future lies in its experienced leadership team, characterized by their broad vision and unwavering commitment to the bank’s six core values: “Heart – Trust – Faith – Wisdom – Intelligence – Vision.”

Beyond financial results, SHB also connects with shareholders on an emotional level through its humane actions. One shareholder recalled SHB’s accompaniment of the Vietnamese football team at the 2024 ASEAN Cup and the organization of flights for supporters and players’ families to Thailand: “Not every bank chooses to engage with fans in such a heartfelt way. For me, SHB is not just an investment; it’s a source of pride,” they shared.

From dividend policies and strategic execution to transparent dialogue – every detail at SHB is guided by a sincere and professional spirit of serving shareholders and the community.

SHB: Sustainable and Green Development

In addition to positive financial results, shareholders’ belief in SHB’s future stems from its consistent strategy, reflecting the long-term vision of the bank’s leadership.

By strengthening risk management in accordance with international standards (Basel III, IFRS 9), SHB is comprehensively modernizing its systems through the Bank of Future initiative, collaborating with leading technology partners like SAP Fioneer and AWS, and implementing core banking on a cloud platform – a first in ASEAN.

Moreover, SHB is materializing its global vision by aiming to reach 1 quadrillion VND in total assets by 2026 and becoming a leading modern retail bank, green bank, and digital bank in the region.

The period from 2026 to 2027 is identified as a pivotal phase for acceleration and breakthrough, with a focus on the comprehensive integration of the financial-digital-customer ecosystem. Building on this momentum, by 2028, SHB aspires to achieve breakthroughs in efficiency and sustainable development. The bank aims to be a leader in operational efficiency, the most favored 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 prioritizes building a comprehensive financial ecosystem linked to supply chains, value chains, and green development.

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

Beyond numbers, SHB places a strong emphasis on sustainable risk management. The bank proactively invests in intelligent data systems and analytical 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 possesses the capability to forecast and adapt to future market fluctuations.

The accompaniment of tens of thousands of shareholders is not merely a testament to their trust in SHB – it is a recognition of the authentic values that the bank has diligently cultivated. It signifies faith in a bank that constantly evolves to become better while steadfastly upholding its promise: Walking alongside shareholders, going the distance, and growing together.

Minh Tài