Closing session on August 27, SHB share price stood at 17,650 VND/share, continuing to rise by 1.4% after the previous session’s upper limit increase, ranking among the best-recovered stocks following the general adjustment. Liquidity exceeded 100 million units, leading the market.
Recently, SHB has completed the dividend payout ratio of 13% in shares on August 19. Accordingly, the bank issued more than 528.5 million shares, increasing its charter capital to 45,942 billion, maintaining its position in the Top 5 largest private joint-stock banks. Earlier, SHB had completed the first cash dividend payment of 5% to shareholders, bringing the total dividend ratio for 2024 to 18%.
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SHB’s registered capital growth (in trillion VND)
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Firmly adhering to the sustainable growth orientation
In the first six months of 2025, SHB recorded a pre-tax profit of 8,913 billion VND, up 30% over the same period in 2024, equivalent to 61% of the 2025 plan. The cost-to-income ratio (CIR) was impressively controlled at 16.4% – the lowest in the industry. Operational efficiency continued to improve markedly. SHB’s labor productivity led the industry, with an average pre-tax profit of 1.3 billion VND per employee, the highest in the system.
As of June 30, 2025, SHB’s total assets reached nearly 825 trillion VND, of which customer lending outstanding balance exceeded 594.5 trillion VND, up 14.4% from the beginning of the year.
In 2025, the bank targets a pre-tax profit of 14,500 billion VND, up 25% from 2024. Total assets are expected to reach 832 trillion VND and hit the 1 quadrillion VND milestone in 2026, marking a solid step forward in scale and position in the domestic and regional financial markets.
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SHB’s total asset growth (in trillion VND)
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Asset quality continued to improve significantly, with the bad debt ratio (NPL) under Circular 31 well controlled at a low level. NPL group 2 decreased sharply, expanding the scope for asset quality improvement.
Safety indicators continued to be well maintained. The capital adequacy ratio (CAR) remained stable above 11%, well above the minimum requirement of 8%, ensuring a safe capital buffer for business activities.
SHB has developed credit risk measurement models and advanced IRB capital calculation methodologies under Basel II standards and is on track to complete the entire risk management framework by 2027 to meet all Basel II – IRB requirements, in line with SBV’s direction on enhancing risk management capabilities within the credit institution system.
The bank also applies liquidity risk management practices under Basel III standards (LCR, NSFR) and implements asset and liability management tools (FTP, ALM) to tightly control cash flow, ensuring liquidity and proactive contingency planning for sustainable and efficient development.
Comprehensive cooperation, developing a customer ecosystem
During the 2024-2028 period, SHB is implementing a comprehensive and robust Transformation Strategy, aiming for substantial changes from within to become a modern and sustainably developing bank, reaching international financial markets. The bank is one of the few chosen by the World Bank, JICA, ADB, KFW, and other international financial institutions as a relending bank and a bank serving key national projects. It also participates in ADB’s global trade finance program.
SHB remains steadfast in its strategy of expanding comprehensive cooperation with large state-owned and private economic groups, both domestic and international, ecosystem enterprises with supply chains and satellite companies, and small and medium-sized enterprises, while also developing individual customers…
Recently, SHB has continuously signed comprehensive cooperation agreements with many large corporations, including the Vietnam Steel Corporation, VNPT, the Vietnam National Coal-Mineral Industries Holding Corporation Limited, Binh Son Refining and Petrochemical Joint Stock Company, EVN, and Tasco. At the same time, the bank has also collaborated with reputable universities and hospitals nationwide, demonstrating its robust financial capacity, brand reputation, and ability to provide comprehensive financial solutions. This also affirms SHB’s position as a trusted partner in accompanying and supporting the development of large organizations in various key sectors of the economy.
Simultaneously, the bank continues to promote digital transformation, striving to become a “Bank of the Future” model with advanced and modern technologies. This model deeply integrates artificial intelligence (AI), big data, and machine learning into the bank’s entire operating process, products, and services. This strategic investment plan not only enhances competitiveness and improves customer service but also enables SHB to expand its technology infrastructure and develop breakthrough financial products to deliver personalized experiences to each customer.
In its comprehensive development strategy, SHB aims to become the TOP 1 bank in efficiency, the most favored digital bank, and the best retail bank. It also aims to be a leading provider of capital, financial products, and services to strategic private and state-owned enterprise customers with supply chains, value chains, and ecosystems, focusing on green development. By 2035, SHB envisions becoming a modern, green, and digital retail bank among the region’s TOP banks.
Closely adhering to four pillars: reforming mechanisms, policies, regulations, and processes; valuing people as the subject; customer and market-centricity; and modernizing information technology and digital transformation, SHB remains steadfast in its six core cultural values of “Heart – Trust – Faith – Wisdom – Intelligence – Vision.” It contributes to the socio-economic development, joining the country in a new era of prosperity and strength for the nation.
Minh Tai
– 06:58 28/08/2025
The Billion-Dollar Bank: A Financial Powerhouse Emerges
“With its recent stock issuance to shareholders, this bank has successfully raised its charter capital to over VND 26,630 billion. This significant milestone positions the bank as the 14th listed bank in the stock market with a charter capital of over $1 billion.”
“Idico Completes Distribution of Nearly 49.5 Million Shares as Stock Dividend”
As of August 15, 2025, Idico successfully distributed nearly 49.5 million shares as dividend payments to its 11,245 shareholders. This distribution resulted in an increase in the company’s chartered capital to approximately VND 3,795 billion.
The Ultimate Dividend Stock for the Week of August 25-29: PV GAS Shines Bright with a Massive $200 Million Payout Ahead of the Long Weekend
“This week, leading up to the National Day holiday on September 2nd, a total of 17 companies will be finalizing their cash dividend distributions. The highest rate among these businesses stands at an impressive 45%, equating to VND 4,500 per share owned. A substantial return for shareholders as we head into the holiday period.”
A Leading Airline Enterprise Finalizes the Payment Date for its 2024 Remaining Dividend of VND 285 Billion, Preparing for Long Thanh Airport Operations
With 94 million shares outstanding, the company is expected to dish out VND 284.5 billion in dividends for this payout.
Mrs. Tran Kieu Thuong Purchases 1 Million NAB Shares
With a recent acquisition of 1 million NAB shares, Ms. Tran Kieu Thuong now holds a substantial stake in the company. Her total ownership stands at 1.045 million shares, representing 0.061% of NAB’s capital. This significant investment showcases Ms. Thuong’s confidence in the company’s potential and underscores her active role as a key stakeholder.
