SHB's second-quarter pre-tax profit reached over 4.5 trillion VND, a 59% year-on-year increase. As of 30/6, SHB's total assets reached nearly 825 trillion VND. Outstanding loans to customers exceeded 594.5 trillion VND, up 14.4% since the beginning of the year and 28.9% year-on-year.

Customer deposits increased by 12.4%, double the industry's growth rate of 6.11% as of 26/6. The bank allocated credit across various sectors, focusing on priority areas and key economic development sectors.

The bank reported that its non-performing loan ratio, as per Circular 31, was kept low, with Group 2 debt reduced to 0.3%. Safety indicators, such as the loan-to-deposit ratio (LDR) and the ratio of short-term funds used for medium- and long-term loans, remained within the State Bank of Vietnam (SBV)'s limits. The consolidated capital adequacy ratio (CAR) remained above 11%, exceeding the minimum requirement of 8%.

The cost-to-income ratio (CIR) was controlled at 16.4%, among the lowest in the industry. The return on equity (ROE) reached over 18%.

Bank staff advising customers. Photo: SHB

Bank staff advising customers. Photo: SHB

SHB has completed the development of its credit risk measurement and capital calculation model based on Basel II's advanced internal ratings-based (IRB) approach. The bank has also implemented Basel III liquidity risk management (LCR, NSFR), combined with asset-liability management tools (FTP, ALM) to control cash flow and ensure liquidity amidst market fluctuations.

The bank aims to complete its modern risk management framework by 2027, fully complying with Basel II-IRB and the SBV's guidance on enhancing the management capacity of credit institutions.

With a charter capital of 40.657 trillion VND, SHB ranks among the top five largest private joint-stock commercial banks. The SBV has approved an increase in SHB's charter capital to 45.942 trillion VND in Quarter III of 2025 through a 13% stock dividend payout for 2024. SHB previously paid a 5% cash dividend for 2024. The total dividend payout ratio for 2024 was 18% and is expected to be maintained in 2025.

The bank aims to increase its total assets to 832 trillion VND by the end of 2025 and reach 1 quadrillion VND in 2026.

On the stock market, SHB's market capitalization exceeds 2.6 billion USD. Average trading volume in Quarter II reached 70 million shares per session. On 7/7, SHB recorded a record trading volume of nearly 250 million shares. From the beginning of July to date, foreign investors have net bought nearly 95 million shares, with a record net purchase of 41 million shares on 7/7.

SHB is among the few banks chosen by the World Bank, JICA, ADB, KFW, and other international financial institutions as a lending bank and a bank serving key national projects, participating in ADB's global trade finance program.

SHB is highly regarded and collaborates with many international financial institutions. Photo: SHB

SHB is highly regarded and collaborates with many international financial institutions. Photo: SHB

From 2024 to 2028, SHB is implementing a transformation strategy with the vision of becoming the "Bank of the Future." This model focuses on integrating modern technologies, such as AI, Big Data, and Machine Learning, into operational processes and services to fully digitize the customer journey, automate systems, and enhance customer experience.

Simultaneously, the bank is expanding its cooperation with major domestic and international corporations to develop an ecosystem for corporate and individual customers, especially the supply chain of satellite enterprises, small and medium-sized enterprises.

SHB focuses on expanding its ecosystem of corporate and individual customer partners. Photo: SHB

SHB focuses on expanding its ecosystem of corporate and individual customer partners. Photo: SHB

The bank also affirms its development orientation linked to community responsibility. For many years, SHB has been among the top five private banks with the largest contributions to the state budget, while also participating in social welfare activities nationwide. The bank and its business ecosystem have contributed trillions of VND through the Vietnam Fatherland Front, sponsoring the construction of great unity houses, supporting the poor and vulnerable, and overcoming the consequences of natural disasters.

In 2025, SHB was ranked by Brand Finance among the top 500 most valuable banking brands globally. The bank has also received many international awards, such as "Bank for the People," "Best Sustainable Finance Bank in Vietnam," "Best Bank for Public Sector Clients," and "Sustainable SME Finance Bank."

In its development strategy to 2035, SHB aims to become the top bank in efficiency, a modern retail bank, a green bank, and a leading digital bank in the region. It also strives to be the leading provider of capital and financial products for strategic corporate clients, developing along the supply chain and focusing on green growth.

(Source: SHB)