Increasing its charter capital allows SHB to solidify its market position, enhance its financial foundation, and boost competitiveness. This strategic move enables the bank to expand its operations and pursue comprehensive transformation. As a result, SHB continues to support individuals and businesses by meeting the growing capital demands of the economy, contributing to the government’s overall growth objectives.
With a robust capital base, the bank can invest heavily in technology to elevate customer experience and optimize credit and business activities. This underscores SHB‘s commitment to fostering economic development and delivering sustainable value to shareholders.
Previously, SHB successfully issued 528.5 million shares as a 13% dividend for 2024, raising its charter capital to VND 45,942 billion. This achievement cements its position among the top 5 largest private joint-stock banks in the system, fulfilling the plan approved by the Annual General Meeting of Shareholders.
The bank also completed the first cash dividend payment of 2024 at a 5% rate. The total dividend payout for 2024 reached 18%. Over the years, SHB has consistently distributed dividends at 10-18% in both cash and shares, steadily strengthening its capital base to support business growth. The bank plans to maintain an 18% dividend rate in 2025.
Sustainable Growth
As of June 30, 2025, SHB reported total assets of nearly VND 826 trillion, with outstanding loans reaching VND 594.5 trillion (up 14.4% year-to-date). Asset quality has significantly improved, with a CAR above 11% and LDR within regulatory limits.
The bank also achieved the lowest cost-to-income ratio (CIR) in the industry at 16.4%. Additionally, SHB leads in labor productivity, with pre-tax profit per employee at VND 1.3 billion.
Beyond financial performance, SHB has consistently ranked among Vietnam’s top 10 most profitable private enterprises (Vietnam Report) and top 50 most efficient companies. It is also one of the largest contributors to the state budget.
For 2025, SHB targets pre-tax profit of VND 14,500 billion (up 25%) and total assets of VND 832 trillion, aiming to reach VND 1,000 trillion by 2026.
In the international financial market, SHB is recognized as a preferred partner by institutions like the World Bank, JICA, ADB, and KFW for key national projects and global trade finance programs. The bank continues to collaborate with strategic partners—both domestic and international—to develop a comprehensive ecosystem and supply chain for SMEs and individual customers, reinforcing its brand legacy.
As part of its ambitious transformation strategy, SHB aims to become the most efficient bank, the most beloved digital bank, and the leading retail bank. It also seeks to be a top provider of capital and financial services to strategic private and state-owned enterprises, focusing on green development. By 2035, SHB envisions itself as a leading modern retail, green, and digital bank in the region.
– 18:43 02/10/2025
Is Modern Technology and Retail Reshaping the Food Industry?
From growing food safety concerns to the rising demand for convenience, Vietnam’s meat market is undergoing a transformative shift. Beyond the foundational market demand, what key factors will empower branded processed meat companies to leverage their strengths and surge ahead in an increasingly competitive landscape?
Eximbank Honored as “Outstanding Digital Transformation and Technology Product of 2025”
On September 25th, Vietnam Export-Import Commercial Joint Stock Bank (Eximbank, HOSE: EIB) was honored with the prestigious “Outstanding Digital Transformation and Technology Product of the Year 2025” award.
SHB: Leading National Budget Contributor and Dedicated Social Welfare Partner for Years
Recently, SHB was honored in the TOP 10 Most Profitable Private Enterprises in Vietnam 2025 (PROFIT500), solidifying its robust financial capabilities, efficient operations, and significant contributions to the nation. The bank has officially increased its chartered capital to 45,942 billion VND, maintaining its position as one of the Top 5 largest private joint-stock commercial banks in the system.
State-Established Online Real Estate Valuation and Trading Center to Pilot Soon
The Ministry of Construction has proposed a two-year pilot implementation period, set to take place from 2026 to 2027.
Big4 Bank Set to Pay Over 2.4 Trillion VND in Cash Dividends, Scheduled for November Disbursement
Previously, Vietcombank announced a shareholder list closure on October 6, 2025, for a 4.5% cash dividend distribution. Shareholders holding one share will receive 450 VND, with the payment scheduled for October 24, 2025.
