Founded on November 13, 1993, Saigon – Hanoi Commercial Joint Stock Bank (SHB) has grown into one of Vietnam’s leading financial institutions. Officially listed on the Vietnam stock market in 2009, SHB has spent more than three decades building a reputation for sustainable, safe, and efficient operations. The Bank continues to affirm its strong position in the domestic financial market while expanding its presence internationally, thereby contributing to the robust development of Vietnam’s economy.
SHB currently has 6,651 employees and 587 transaction points domestically and internationally, serving more than 5 million individual and corporate customers, and maintaining correspondent banking relationships with 500 partner banks across continents.
As of December 31, 2025, SHB recorded total assets of nearly VND 892.6 trillion, up 19% year on year, moving toward the milestone of VND 1 quadrillion in 2026. Outstanding credit reached over VND 619.5 trillion, an increase of 16%. Of this, loans to economic organizations and individuals totaled VND 614.862 trillion, up nearly 18%. SHB’s profit before tax reached VND 15.028 trillion, up 30% year on year, equivalent to 104% of the target approved by the General Meeting of Shareholders. Net interest income exceeded VND 20.2 trillion, with income from service activities surging 154% to VND 3.2 trillion.
SHB’s financial safety indicators continue to be maintained at a high level. The capital adequacy ratio (CAR) has remained above 12% under Basel II standards, well above the State Bank of Vietnam’s requirements; liquidity ratios meet Basel III standards; and asset quality is ensured in line with the General Meeting of Shareholders’ plan. The cost-to-income ratio (CIR) stood at 22.4%, keeping SHB among the most efficient banks in the system and demonstrating its continued efforts to optimize operations and enhance resource utilization efficiency.
Alongside business expansion, SHB has completed the development of its credit risk measurement model and capital calculation methodology in accordance with Basel II under the advanced Internal Ratings-Based (IRB) approach. The Bank is continuing its roadmap to fully complete a modern risk governance framework, with the goal of fully meeting Basel II – IRB requirements by 2027, in line with the State Bank of Vietnam’s direction to enhance risk management capabilities across the credit institution system.
With a strong and stable financial foundation, SHB was proudly ranked 137th in the inaugural Fortune Southeast Asia 500 list of the region’s largest revenue-generating companies, and 17th among Vietnam’s financial institutions and corporations. SHB is also consistently recognized among the top 5 banks contributing the most to the national budget in recent years