HÀ NỘI — Saigon – Hanoi Bank (SHB) has sustained its strong growth momentum, posting a pre-tax profit of VNĐ12.3 trillion (US$467 million) in the first nine months of 2025, up 36 per cent year-on-year and fulfilling 85 per cent of its full-year plan.

As of September 30, SHB’s total assets had reached VNĐ852.7 trillion, an increase of 14 per cent compared with the end of 2024, moving steadily toward the milestone of VNĐ1 quadrillion by 2026. Total outstanding loans rose 15 per cent from the beginning of the year to nearly VNĐ616.6 trillion, underscoring SHB’s pivotal role in supplying capital to the economy and supporting growth in line with national development priorities.

SHB has developed tailored credit programmes and preferential loan packages for a wide range of customers — from individuals and household businesses to SMEs and large enterprises — directing capital into priority sectors and key industries driving the country’s new growth phase.

Thanks to strategic investment in digital transformation and advanced technology integration, SHB remains among Việt Nam’s most efficiently operating banks. The bank continues to maintain strict asset quality control, keeping its non-performing loan ratio below 2 per cent. Its capital adequacy ratio stands above 12 per cent, well above the State Bank of Vietnam’s minimum requirement of 8 per cent under Circular 41/2016/TT-NHNN.

Recently, SHB completed its charter capital increase to VNĐ45.9 trillion, in line with the plan approved by shareholders earlier this year. The increase was achieved through a 13 per cent stock dividend payout (the second tranche of 2024), following a 5 per cent cash dividend paid earlier, bringing the total 2024 dividend to 18 per cent, a level the bank plans to maintain in 2025.

SHB has announced the record date for collecting shareholder opinions on a new capital increase plan for 2025. The upcoming capital enhancement will further consolidate SHB’s market position, strengthen its financial foundation and competitiveness, and enable business expansion as part of its comprehensive transformation strategy.

With a stronger capital base, SHB will continue to invest in technology, improve customer experience, and expand lending and business efficiency. These efforts reaffirm SHB’s commitment to supporting national economic development while creating sustainable long-term value for shareholders.

SHB is implementing a comprehensive transformation strategy towards becoming a 'Bank of the Future,' deeply integrating advanced technologies such as Artificial Intelligence, Big Data and Machine Learning into its operations, risk management and product development.

Through innovative financial solutions, SHB has strengthened partnerships with leading state-owned and private conglomerates, both domestic and international, developing ecosystem strategies that connect value chains and supply chains of SMEs, satellite enterprises and individual customers, reinforcing its reputation as one of Việt Nam’s top banks.

On the international stage, SHB continues to affirm its position as one of the few Vietnamese banks selected by the World Bank, JICA, ADB, KfW and other major international financial institutions as a re-lending and project service bank for key national projects. It also participates in the ADB’s global trade finance programme.

SHB has recently been listed among the Top 10 Most Profitable Companies in Việt Nam and the Top 50 Most Efficiently Operating Enterprises in Việt Nam. The bank has also received several prestigious international awards, including Best Bank for People, Best Bank for Public Sector Clients in Việt Nam (FinanceAsia), Best Bank for Sustainable Finance in Việt Nam (Global Finance), and Best Sustainable SME Financing Bank in Việt Nam.

In addition, Brand Finance ranked SHB among the Top 33 Most Valuable Brands in Việt Nam and among the Top 500 Banks with the Highest Brand Value Globally in 2025.

SHB’s transformation strategy focuses on four key pillars: reforming mechanisms, policies and procedures; empowering people as the core; prioritising customer and market needs; and modernising IT infrastructure and digital capabilities.

The bank aims to become Việt Nam’s most efficient bank, the most preferred digital bank, and a leading retail and corporate lender for both private and state-owned enterprises with strong supply chains, ecosystems and green development orientation.

Looking toward 2035, SHB envisions itself as a modern retail bank, a green bank and a leading digital bank in the region. — VNS