AsemconnectVietnam - The State Bank of Vietnam (SBV) has just issued a decision to amend the charter capital content in the Establishment and Operation License of Saigon - Hanoi Commercial Joint Stock Bank (SHB). Accordingly, SHB's new charter capital is recorded at VND45,942 billion.

Specifically, the SBV made the decision after SHB completed the issuance of 528.5 million shares to pay dividends in 2024 at a rate of 13%. Previously, SHB had completed the cash dividend payment of 5%. The total dividend rate in 2024 paid by SHB is 18%.
For many years, SHB has regularly paid dividends at a rate of 10-18% in both cash and shares. SHB plans to maintain a dividend rate of 18% in 2025.
In 2025, SHB plans to achieve pre-tax profit of VND14,500 billion, up 25%. The target of total assets is VND832 trillion this year and VND1 million billion by 2026, marking a solid step forward in terms of scale and position in the domestic and regional financial markets.
According to the audited financial statements for the first 6 months of the year, as of June 30, 2025, SHB's total assets were nearly VND826 trillion, of which outstanding loans to customers exceeded VND594.5 trillion, up 14.4% compared to the beginning of the year and up sharply by 28.9% over the same period.
In the first 6 months of the year, SHB continued to promote its potential strengths, along with strong business growth, actively expanding its scale of operations, diversifying product and service types, promoting customer development, recovering bad debts, applying modern banking technology to improve efficiency and productivity... Accumulated in the first 6 months, SHB recorded pre-tax profit of VND 8,946 billion, an increase of 30% over the same period in 2024, equivalent to 62% of the 2025 plan.
The ratio of operating expenses to total income (CIR) was controlled at 16.4% - the lowest in the industry. The bank also leads in labor productivity with pre-tax profit per employee, reaching VND1.3 billion/employee.
Safety indicators continue to be well maintained. The loan-to-deposit ratio (LDR) and the ratio of short-term capital used for medium- and long-term loans are both within the limits prescribed by the State Bank. The consolidated capital adequacy ratio (CAR) remains stable at over 11%, far exceeding the minimum 8% prescribed, ensuring safe capital capacity for business operations.
Asset quality continues to improve significantly with the non-performing loan (NPL) ratio according to Circular 31 being controlled at a low level. Group 2 debt has dropped sharply to only 0.3%, asset quality has improved strongly.
N.Nga
Source: VITIC/Tinnhanhchungkhoan