On December 3, in London (UK), Saigon–Hanoi Commercial Joint Stock Bank (SHB) was honored by The Banker with the title “Bank of the Year 2025”—one of the most prestigious and highly anticipated awards in the global banking and finance industry.

The “Bank of the Year” award, organized annually by The Banker—a publication of the Financial Times (London, UK)—recognizes leading banks worldwide for outstanding performance in operational efficiency, innovative strategy, community engagement, and positive market impact.

SHB’s selection as “Bank of the Year 2025” reflects the Bank’s strong progress in recent years, particularly in digital transformation, enhanced governance and operational capabilities, optimized business efficiency, and the implementation of inclusive financial programs that generate positive social impact.

This recognition from The Banker further reinforces SHB’s regional standing and affirms its ongoing efforts to expand internationally while aligning operational standards with global best practices.

“The award presented by The Banker is a well-deserved recognition of SHB’s continuous efforts in innovation, service quality improvement, and sustainable development. On our journey of comprehensive transformation, SHB will continue to apply modern technologies to deliver greater value to customers and the community, while spreading positive values across economic and cultural spheres, contributing to national development in a new era of strength and prosperity,” an SHB representative stated.

SHB SAHA delivers an enhanced digital experience to customers.

As of September 30, 2025, SHB’s total assets reached VND 852,695 billion, representing an increase of 14.1% compared to the end of 2024 and exceeding the Bank’s 2025 plan. SHB is targeting total assets of VND 1 quadrillion by 2026. The cost-to-income ratio (CIR) stood at 18.9%, among the lowest in the industry, while SHB maintained its position among the Top 5 largest private commercial banks in Vietnam by charter capital.

Alongside strong business performance, SHB is accelerating its comprehensive digital transformation, focusing on modernizing technology infrastructure, automating processes, and developing a digital ecosystem to enhance customer experience. The Bank has launched its next-generation digital banking application, SHB SAHA—a comprehensive upgrade of SHB Mobile. The introduction of SHB SAHA marks a significant milestone in SHB’s digital transformation strategy, advancing its goal of becoming a “bank without boundaries” that enables customers to manage transactions and finances anytime, anywhere in the digital era.

Since the beginning of the year, SHB has received numerous prestigious domestic and international awards, including “Best Payment Solution Innovation in Vietnam 2025” (The Asian Banker), “Best Bank for Public Sector Clients in Vietnam” (FinanceAsia), and “Best Bank for Sustainable Finance in Vietnam” (Global Finance)…

SHB actively engages in social welfare and community initiatives.

Alongside its business operations, SHB actively participates in social welfare and community initiatives. In response to the severe impacts of recent storms and floods, SHB, together with T&T Group and SHS, donated VND 2 billion to Thai Nguyen Province, VND 2 billion to Lang Son Province, and VND 500 million to Cao Bang Province…

More recently, SHB and companies within businessman Do Quang Hien’s ecosystem donated VND 1.2 billion to build 15 houses for impoverished households and disadvantaged persons in Hanh Phuc Commune, Lao Cai Province. SHB’s journey of compassion continues across provinces and cities nationwide, contributing to improved living conditions and sustainable livelihoods.

SHB is undergoing a comprehensive transformation toward becoming the most efficient bank, the most favored digital bank, the premier retail bank, and the primary provider of financial products and services to strategic private and State corporate customers with a green supply chain, value chain and ecosystem. By 2035, SHB aspire to be a modern retail bank, a green bank, and a digital bank among the regional leaders.