The “Bank of the Year” award, organized annually by The Banker—a Financial Times publication based in London, UK—honors leading banks worldwide, recognizing outstanding achievements in operational efficiency, innovation strategies, community contributions, and positive market impact.
SHB‘s selection as the “Bank of the Year 2025” highlights its significant strides, particularly in digital transformation, governance enhancement, operational optimization, and the implementation of comprehensive financial programs, all of which have positively impacted the community.
This prestigious award from The Banker further solidifies SHB‘s regional standing and underscores its relentless efforts to achieve international reach and elevate operational standards to global best practices.
“The award from The Banker is a well-deserved recognition of SHB‘s commitment to innovation, service quality enhancement, and sustainable development. As we continue our comprehensive transformation journey, SHB will relentlessly adopt cutting-edge technology to deliver value to customers and the community. We remain dedicated to creating and spreading positive values across various economic and cultural sectors, contributing to the nation’s prosperity in this new era of strength and wealth,” shared a representative from SHB.
SHB SAHA introduces innovative digital consumer experiences for customers
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As of September 30, 2025, SHB‘s total assets reached 852.695 trillion VND, a 14.1% increase compared to the end of 2024, surpassing the 2025 plan and targeting 1 million trillion VND by 2026. The cost-to-income ratio (CIR) stands at 18.9%, positioning SHB among the industry leaders in CIR management. SHB maintains its position in the Top 5 largest private commercial banks in Vietnam by charter capital.
Alongside robust business results, SHB is accelerating its comprehensive digital transformation, focusing on modernizing technology infrastructure, automating processes, and developing a digital ecosystem to enhance customer experiences. The bank has launched SHB SAHA, a next-generation digital banking app, a significant upgrade from SHB Mobile. The introduction of SHB SAHA marks a pivotal milestone in SHB‘s digital transformation strategy, realizing its vision of becoming a boundaryless bank that meets customers’ financial management and transaction needs anytime, anywhere in the digital age.
Since the beginning of the year, SHB has been honored by numerous domestic and international organizations with prestigious awards, including “Best Payment Solution Initiative in Vietnam” (The Asian Banker), “Best Bank for Public Sector Clients in Vietnam” (FinanceAsia), and “Best Sustainable Finance Bank in Vietnam” (Global Finance), among others.
 SHB actively engages in social welfare and community initiatives
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In addition to its business activities, SHB is deeply committed to social welfare. In response to the severe impacts of recent storms and floods, SHB, in collaboration with T&T Group and SHS, has donated 2 billion VND to Thai Nguyen province, 2 billion VND to Lang Son province, and 500 million VND to Cao Bang province.
Recently, SHB and companies within entrepreneur Do Quang Hien‘s ecosystem donated 1.2 billion VND to build 15 charity homes for impoverished and disadvantaged households in Hanh Phuc commune, Lao Cai. SHB‘s journey of spreading love and care continues across other provinces, fostering a spirit of mutual support and improving living conditions for those in need.
SHB is undergoing a robust and comprehensive transformation, aiming to become the most efficient bank, the most beloved digital bank, the best retail bank, and a leading provider of financial products and services to strategic private and state-owned enterprises, with a focus on green development. By 2035, SHB envisions itself as a modern retail bank, a green bank, and a top digital bank in the region.
– 14:41 04/12/2025
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