Ngan Hang Thuong Mai Co Phan Sai Gon-Ha Noi (Vietnam)

Saigon - Hanoi Commercial Joint Stock Bank (SHB) is a bank located in Ha Noi, Vietnam. It was established on November 13, 1993, and listed on the Vietnam stock market in 2009. With a focus on sustainable, safe, and effective operation, SHB has achieved significant success in the Vietnamese financial market and has expanded its presence in the global market, contributing to the country's economic development. SHB currently has over 9,200 employees and operates more than 530 domestic and foreign transaction points. It serves over 5 million individual and corporate customers and has connections with 500 correspondent banks worldwide. As of September 30, 2022, SHB's total assets reached over VND 528 trillion, completing 92.79% of the year's plan. The bank's charter capital is VND 26,674 billion, and its equity is VND 61,915 billion. SHB has a credit rating of B1 with a positive outlook from Moody's. It has mobilized capital of VND 389,345 billion from economic organizations and individuals, and its outstanding loans amount to VND 376,104 billion. The bank's total net income from business activities in the first 9 months of the year was VND 14,666 billion. In the same period, SHB ranked among the top 5 most profitable private commercial banks, with a pre-tax profit of VND 9,035 billion, achieving 78% of the plan set by the General Meeting of Shareholders. Throughout its nearly 30-year journey, SHB has demonstrated its commitment to being one of the top commercial banks. It operates with the principle of "Serving from the Heart" and places a strong emphasis on serving the nation, the community, and customers. SHB aims to create value in the market and believes in the principle of "Give First - Get Later." Currently, SHB is among the top 5 largest joint stock commercial banks in Vietnam and the top 10 most prestigious joint stock commercial banks in the country. It is also recognized as one of the top 50 best enterprises in Vietnam, top 100 banks in the ASEAN region, top 500 banks in the Asia-Pacific region, and top 1,000 global banks. Additionally, SHB is one of the 10 most influential credit institutions in Vietnam's banking system. The bank has received several awards and honors, including Second Class Labour Medals, Third Class Labour Medals, and other noble awards from the Government, Ministries, Associations, Unions, and other organizations. Looking ahead, SHB aims to become the number one bank in terms of efficiency and technologies by 2027. It plans to apply leading modern technologies and become the most favored digital bank among Vietnam's commercial banks. In its vision for 2030, SHB aims to become a leading modern retail bank in the region.