SHB officially raises its charter capital to VND 45,942 billion.

The SBV’s decision came after SHB completed the issuance of 528.5 million shares to pay a 13% stock dividend for 2024. Previously, SHB had also paid a 5% cash dividend. Thus, the total dividend payout ratio for 2024 reached 18%.

For many years, SHB has consistently maintained a dividend payout ratio of 10–18% through both cash and stock dividends. The bank plans to continue sustaining the 18% dividend payout in 2025, reaffirming its strong financial capacity and long-term commitment to shareholders.

In 2025, SHB targets a pre-tax profit of VND 14,500 billion, up 25%. The bank also sets a goal of reaching total assets of VND 832 trillion this year and hitting the milestone of VND 1 quadrillion in 2026, marking a solid step forward in scale and market position both domestically and regionally.

According to the audited financial statements for the first half of the year, as of June 30, 2025, SHB’s total assets stood at nearly VND 826 trillion. Customer loans reached over VND 594.5 trillion, up 14.4% compared to the beginning of the year and a sharp increase of 28.9% year-on-year.

In the first six months, SHB continued to leverage its strengths alongside robust business growth, actively expanding its operations, diversifying products and services, strengthening customer development, recovering bad debts, and applying modern banking technologies to improve efficiency and productivity. As a result, SHB recorded a cumulative pre-tax profit of VND 8,946 billion in the first half, up 30% from the same period in 2024, equivalent to 62% of the 2025 full-year target.

SHB is recognized as one of the most efficient banks in the industry, with its cost-to-income ratio (CIR) maintained at 16.4% – the lowest in the sector. The bank also leads in labor productivity, with pre-tax profit per employee reaching VND 1.3 billion.

Key safety indicators remain well-managed. The loan-to-deposit ratio (LDR) and the ratio of short-term capital used for medium- and long-term lending are all within the State Bank of Vietnam’s regulatory limits. The consolidated capital adequacy ratio (CAR) stays stable at over 11%, significantly higher than the minimum requirement of 8%, ensuring solid capital capacity for business operations.

Asset quality has also improved markedly, with the non-performing loan (NPL) ratio under Circular 31 kept at a low level. Special-mention loans (Group 2) dropped sharply to just 0.3%, reflecting a strong enhancement in asset quality.

With efficient business operations and sustainable growth, SHB has reaffirmed its position in the “Top 10 Most Profitable Private Enterprises in Vietnam” (Vietnam Report), the “Top 100 Most Valuable Brands in Vietnam” (Brand Finance), and among the largest tax-contributing banks in the country for many years.

Under its comprehensive transformation strategy, SHB is currently focusing on four key pillars: Reforming mechanisms, policies, regulations, and processes; Positioning people as the core; Placing customers and the market at the center; Modernizing IT and accelerating digital transformation.

SHB sets the goal of becoming the No. 1 bank in efficiency; the most preferred digital bank; the best retail bank; and, at the same time, a leading bank in providing capital sources and financial service products to both private and state-owned strategic corporate clients with supply chains, value chains, ecosystems, and green development. With a vision to 2035, SHB aims to become a modern retail bank, a green bank, and a leading digital bank in the region.