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SHB reported nearly 3,000 shareholders and authorized attendees at its annual general meeting (AGM), reflecting the bank’s scale and growing engagement with the investor community. The meeting also highlighted SHB’s position among the top five private banks in Vietnam and its ongoing transformation, as the bank aims for breakthrough growth and a vision of becoming a leading regional financial institution with international reach.
SHB said its total assets reached 892,009 billion VND, up 19% from year-end and equal to 107% of the plan. Charter capital was reported at 45,942 billion VND.
The bank expects to complete a capital increase to 53,442 billion VND in May 2026. For profitability, SHB reported pre-tax profit of 15,021 billion VND, up 30% versus 2024 and 4% above the plan.
Loans and credit demand reached 619,538 billion VND, up 16%. SHB said credit growth is being tightly controlled and linked to improved asset quality and efficient capital use.
SHB maintained a cost-to-income ratio (CIR) of 22.1%, described as among the lowest in the industry, supported by digitizing processes and applying technology across the system.
For 2025, SHB plans to pay dividends at 16%, comprising 6% in cash and 10% in stock.
For 2026, SHB presented two scenarios aligned with credit growth limits approved by the State Bank of Vietnam (SBV), reflecting a proactive and flexible planning approach.
Under both scenarios, SHB said it will continue to tightly control credit quality, keeping the non-performing loan (NPL) ratio below 2%. The bank also plans to increase charter capital to 58,786 billion VND to strengthen financial capacity and support capital adequacy aligned with international standards.
Based on its results and growth outlook, SHB expects an 18% dividend payout for 2026.
Speaking at the AGM, Hoàng Huyền Châm, Deputy Director of SBV Region 1, praised SHB’s efforts and resolve. The SBV representative cited SHB’s clear growth direction focused on safe, efficient and sustainable expansion, with continued emphasis on credit quality, stronger risk management, digital transformation, improved product and service quality, and diversified revenue streams while ensuring information security.
The SBV representative also noted SHB’s participation in government and SBV programs supporting economic recovery and development, particularly for priority sectors, small and medium-sized enterprises, and new growth engines.
At the AGM, SHB officially unveiled a new brand identity as a milestone in its comprehensive renewal journey. The branding is inspired by the shape of the country (an “S” form) and the philosophy of “heaven and earth in balance,” emphasizing national identity, modernization, technology and integration.
SHB said the brand upgrade is intended to reflect a new development phase where traditional values are preserved and refreshed through digital thinking, innovation and modernization. The bank reiterated its positioning as a “Future Bank.” By 2030, SHB targets being the leading digital bank in efficiency, a preferred digital bank, the best retail bank, and a primary provider of capital and financial products and services to strategic corporate clients through integrated ecosystems and green development. By 2035, it aims to be a modern, digital, green bank among leading institutions in the region.
To support these goals, SHB said it is implementing a transformation strategy built on four pillars: placing customers and markets at the center; reforming mechanisms, policies, regulations and processes; people as the core; and modernizing IT and digital transformation.
SHB’s AGM approved key items including the business plan, capital increase, dividend policy, and the establishment of a wholly owned commercial bank at the International Financial Center in Vietnam. The bank said shareholders voted nearly unanimously to approve all items.
SHB representatives pledged to continue upholding 33 years of tradition and its financial foundation, while promoting a corporate culture centered on unity, self-reliance, national pride, continuous learning, innovation, efficiency and determination to achieve the strategic objectives and approved business plans.
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