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Saigon-Hanoi Joint Stock Bank (SHB) held its 2026 ordinary general meeting (AGM) on 22 April 2026, drawing nearly 3,000 shareholders and authorized representatives in person—its highest attendance this year for shareholder meetings. The record participation highlighted growing investor engagement and confidence in the bank.
The nearly 3,000 attendees at SHB’s 2026 AGM reflected both the scale of the meeting and increasing trust between SHB—one of Vietnam’s largest private banks—and its investor community. SHB is described as a Top 5 private joint-stock bank by size, a constituent of VN30, and a bank with high liquidity. In 2025, SHB’s shares traded in multiple sessions with over 100 million shares, underscoring investor interest.
SHB reported total assets of VND 892,009 billion in 2025, up 19% from the start of the year and equal to 107% of its plan. Charter capital was VND 45,942 billion, with plans to increase it to VND 53,442 billion in May 2026 to support subsequent growth.
Pre-tax profit reached VND 15,021 billion, up 30% year-on-year versus 2024 and 4% above the plan.
Credit outstanding totaled VND 619,538 billion, up 16%. The bank said credit growth is being tightly controlled to improve asset quality and capital efficiency. SHB also reported a cost-to-income ratio (CIR) of 22.1%, among the sector’s lowest, attributing the result to cost management efficiency through digitization and broader technology adoption.
SHB plans to pay a 2025 dividend of 16%, consisting of 6% in cash and 10% in stock.
Based on its business performance and sustainable growth prospects, SHB expects an 18% dividend payout in 2026.
For 2026, SHB presented two growth scenarios aligned with the credit-growth limit approved by the State Bank of Vietnam (NHNN). Both scenarios reflect the bank’s stated proactive and flexible approach amid a macro environment described as tentatively high-growth and stable, with new growth drivers.
Under both scenarios, SHB said it will continue to tightly control credit quality, keeping non-performing loans below 2%. The bank also plans to increase charter capital to VND 58,786 billion to strengthen financial capacity and safety standards and to support alignment with international norms.
SHB said it will enhance financial capacity, scale with quality, and tightly manage asset quality. It also plans to actively execute asset–non-performing loan resolution strategies and foster a risk-management and integrity-centric culture across the organization, aiming to boost confidence among customers, partners, and shareholders.
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