SHB Saigon-Hanoi Commercial Joint Stock Bank
Ngân hàng Thương mại Cổ phần Sài Gòn – Hà Nội
Banks
HSX
Total Assets
365,254 bn VND
2021–2025
Revenue
27,683 bn VND
2021–2025
Net Profit
2,418 bn VND
2021–2025
Equity
18,507 bn VND
2021–2025
YOY GROWTH 2019 vs 2018
+13.0%
Assets Growth (%)
+13.3%
Equity Growth (%)
+22.3%
Revenue Growth (%)
+44.6%
Net Profit Growth (%)
B
65/100
FINANCIAL HEALTH
profitability: 20/25
leverage: 0/25
margin: 20/25
growth: 25/25
ANALYST CONSENSUS
Aggregates use stored analyst metadata from configured sources (e.g. fireant.vn); coverage is not comprehensive for all listed names. Each row includes source and URL.
OPINIONS (730D)
0
WITH TARGET
0
MEAN TARGET
—
MEDIAN TARGET
—
TARGET RANGE
—
REPORTS IN WINDOW
| Date | Firm | Rating | Target | Vs Mean | Source |
|---|---|---|---|---|---|
| No analyst rows stored yet for this ticker. Run ingestion or try again later. | |||||
JSON: /api/analyst/SHB
KEY RATIOS (2019)
13.06
ROE (%)
Net Profit After Tax / Owner's Equity × 100
0.66
ROA (%)
Net Profit After Tax / Total Assets × 100
8.73
Net Margin (%)
Net Profit After Tax / Revenue × 100
18.74
Debt/Equity
Total Liabilities / Owner's Equity
19.74
Equity Multiplier
Total Assets / Owner's Equity
DUPONT ANALYSIS
8.73
DuPont: Net Margin (%)
0.08
DuPont: Asset Turnover
19.74
DuPont: Eq. Multiplier
13.06
DuPont: ROE (%)
ROE = Net Margin × Asset Turnover × Equity Multiplier
📊 Analyst Consensus
No analyst coverage data available for SHB in the last 730 days.
Balance Sheet Bảng Cân Đối Kế Toán — 40 items, 13 years · values in tỷ đồng
| Line Item | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| TOTAL ASSETS (Bn. VND) | 892,009 | 747,478 | 630,501 | 542,428 | 506,604 | 412,680 | 365,254 | 323,276 | 286,010 | 240,753 | 204,704 | 169,036 | 143,626 |
| Cash and cash equivalents (Bn. VND) | 2,038.4 | 1,563.5 | 1,370.8 | 1,897.5 | 1,878.3 | 1,619.9 | 1,754.8 | 1,884.8 | 1,446.5 | 1,291.7 | 1,917.9 | 801.4 | 541.1 |
| Balances with the SBV | 34,355 | 27,437 | 54,764 | 15,146 | 14,352 | 14,806 | 10,163 | 4,328.7 | 3,742.7 | 2,718.8 | 4,362.5 | 3,346.0 | 1,981.1 |
| Placements with and loans to other credit institutions | 137,106 | 117,349 | 63,549 | 63,009 | 64,132 | 31,251 | 33,708 | 29,300 | 33,514 | 30,136 | 29,794 | 29,491 | 30,263 |
| Trading Securities, net | 0.04 | 4,910.5 | 7,792.7 | 1.5 | 3.2 | 0.96 | 0.50 | 0.66 | 1.1 | 40.9 | 54.4 | 31.8 | 29.0 |
| Trading Securities | 0.46 | 4,949.6 | 7,853.2 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 65.4 | 70.9 | 50.9 | 51.9 |
| Provision for diminution in value of Trading Securities | -0.42 | -39.2 | -60.4 | -2.3 | -0.64 | -2.9 | -3.4 | -3.2 | -2.8 | -24.5 | -16.5 | -19.0 | -22.9 |
| Derivatives and other financial liabilities | 140.6 | 0 | 0 | 269.8 | 252.4 | 133.9 | 172.9 | 58.2 | 136.3 | 44.6 | 0 | 18.6 | 0 |
| Loans and advances to customers, net | 604,364 | 511,153 | 429,363 | 378,575 | 357,779 | 302,199 | 262,031 | 213,987 | 195,442 | 160,579 | 130,006 | 103,048 | 75,322 |
| Loans and advances to customers | 614,862 | 519,950 | 438,464 | 385,633 | 362,416 | 305,637 | 265,162 | 216,989 | 198,291 | 162,376 | 131,427 | 104,096 | 76,510 |
| Less: Provision for losses on loans and advances to customers | -10,498 | -8,796.8 | -9,101.4 | -7,057.8 | -4,637.5 | -3,438.3 | -3,130.5 | -3,002.2 | -2,849.0 | -1,797.4 | -1,421.4 | -1,047.2 | -1,187.6 |
| Investment Securities | 28,300 | 32,336 | 32,064 | 32,955 | 25,105 | 28,640 | 21,604 | 48,027 | 21,208 | 18,847 | 17,317 | 13,471 | 18,655 |
| Available-for Sales Securities | 12,162 | 14,957 | 14,374 | 12,989 | 9,981.6 | 16,386 | 6,558.2 | 25,193 | 12,268 | 10,788 | 7,479.9 | 5,794.8 | 8,101.6 |
| Held-to-Maturity Securities | 16,173 | 17,813 | 17,834 | 20,064 | 15,169 | 13,133 | 15,781 | 24,761 | 10,683 | 9,439.9 | 10,399 | 8,043.3 | 10,562 |
| Less: Provision for diminution in value of investment securities | -35.4 | -433.9 | -143.7 | -97.6 | -45.9 | -879.0 | -734.7 | -1,927.2 | -1,743.2 | -1,381.7 | -562.7 | -367.0 | -8.8 |
| Long-term investments (Bn. VND) | 413.8 | 441.3 | 414.4 | 46.7 | 131.7 | 133.1 | 133.1 | 195.8 | 215.5 | 222.9 | 303.4 | 321.0 | 361.5 |
| Investments in associate companies | 342.3 | 370.0 | 343.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other long-term assets (Bn. VND) | 158.3 | 158.3 | 158.3 | 158.3 | 164.4 | 165.9 | 165.9 | 201.8 | 227.2 | 229.4 | 313.4 | 341.6 | 400.4 |
| Less: Provision for diminuation in value of long term investments | -86.8 | -87.0 | -87.0 | -111.6 | -32.7 | -32.8 | -32.8 | -6.0 | -11.8 | -6.4 | -10.0 | -20.6 | -38.9 |
| Fixed assets (Bn. VND) | 5,538.9 | 5,328.0 | 5,229.4 | 4,954.4 | 4,979.0 | 4,866.1 | 4,817.5 | 4,792.4 | 3,952.3 | 3,962.1 | 4,056.3 | 4,105.8 | 4,151.5 |
| Tangible fixed assets | 828.6 | 826.9 | 735.0 | 502.9 | 536.2 | 533.0 | 498.3 | 485.7 | 425.4 | 424.0 | 361.0 | 383.9 | 405.9 |
| Intagible fixed assets | 4,710.4 | 4,501.1 | 4,494.4 | 4,451.5 | 4,442.8 | 4,333.1 | 4,319.2 | 4,306.8 | 3,526.9 | 3,538.0 | 3,695.2 | 3,721.8 | 3,745.6 |
| Investment in properties | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16.8 | 17.0 | 17.1 | 17.2 |
| Other Assets | 79,753 | 46,960 | 35,954 | 45,573 | 37,993 | 29,030 | 30,868 | 20,701 | 26,353 | 22,893 | 16,877 | 14,383 | 12,305 |
| TOTAL RESOURCES (Bn. VND) | 892,009 | 747,478 | 630,501 | 542,428 | 506,604 | 412,680 | 365,254 | 323,276 | 286,010 | 240,753 | 204,704 | 169,036 | 143,626 |
| LIABILITIES (Bn. VND) | 823,878 | 689,411 | 580,402 | 499,524 | 471,073 | 388,643 | 346,747 | 306,943 | 271,319 | 227,521 | 193,446 | 158,553 | 133,267 |
| Due to Gov and borrowings from SBV | 16,554 | 1,242.9 | 1,333.7 | 9,715.2 | 1,511.0 | 609.7 | 725.1 | 12,211 | 2,758.3 | 2,572.4 | 4,224.9 | 761.2 | 2,119.1 |
| Deposits and borrowings from other credit institutions | 148,700 | 134,091 | 70,766 | 78,284 | 79,733 | 38,962 | 48,624 | 44,934 | 53,000 | 40,114 | 28,146 | 28,143 | 20,685 |
| Deposits from customers | 572,150 | 499,897 | 447,503 | 361,676 | 327,197 | 303,582 | 259,237 | 225,224 | 194,890 | 166,576 | 148,829 | 123,228 | 90,761 |
| _Derivatives and other financial liabilities | 0 | 61.9 | 97.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 100.0 | 0 | 6.3 |
| Funds received from Gov, international and other institutions | 15,805 | 1,429.7 | 1,611.2 | 1,615.6 | 4,952.2 | 3,513.0 | 2,509.7 | 1,473.7 | 1,064.2 | 808.9 | 414.6 | 214.5 | 476.4 |
| Convertible bonds/CDs and other valuable papers issued | 53,097 | 39,248 | 42,822 | 36,440 | 46,292 | 31,034 | 26,733 | 16,722 | 14,967 | 13,768 | 8,259.4 | 3,911.0 | 16,910 |
| Other liabilities | 17,573 | 13,441 | 16,269 | 11,793 | 11,388 | 10,942 | 8,918.9 | 6,378.9 | 4,638.9 | 3,681.5 | 3,472.7 | 2,295.4 | 2,309.5 |
| OWNER'S EQUITY(Bn.VND) | 68,131 | 58,067 | 50,098 | 42,904 | 35,532 | 24,036 | 18,507 | 16,333 | 14,691 | 13,232 | 11,258 | 10,483 | 10,358 |
| Capital | 47,386 | 38,073 | 37,638 | 32,118 | 28,118 | 17,607 | 12,133 | 12,133 | 11,293 | 11,293 | 9,582.4 | 8,962.3 | 8,962.3 |
| Reserves | 9,548.0 | 7,191.8 | 5,138.1 | 4,061.8 | 2,923.3 | 2,204.2 | 1,817.0 | 1,467.0 | 1,220.4 | 1,038.3 | 863.8 | 734.5 | 642.5 |
| Foreign Currency Difference reserve | -446.3 | -530.9 | -689.0 | -606.3 | -293.7 | -97.8 | -49.8 | -5.9 | 0 | 0 | 0 | 0 | 0 |
| Undistributed earnings (Bn. VND) | 11,643 | 13,333 | 8,010.9 | 7,330.8 | 4,784.0 | 4,323.3 | 4,607.7 | 2,738.8 | 2,177.5 | 897.7 | 808.8 | 783.4 | 751.0 |
| Paid-in capital (Bn. VND) | 45,942 | 36,629 | 36,194 | 30,674 | 26,674 | 17,510 | 12,036 | 12,036 | 11,197 | 11,197 | 9,485.9 | 8,865.8 | 8,865.8 |
| MINORITY INTERESTS | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.3 | 2.7 | 2.9 | 2.8 |
Income Statement Báo Cáo Kết Quả Kinh Doanh — 29 items, 13 years · values in tỷ đồng
| Line Item | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue (Bn. VND) | 57,323 | 50,487 | 57,589 | 40,774 | 35,606 | 31,287 | 27,683 | 22,641 | 18,220 | 14,569 | 11,992 | 10,313 | 9,174.7 |
| Revenue YoY (%) | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Attribute to parent company (Bn. VND) | 11,960 | 9,321.9 | 7,324.8 | 7,728.9 | 5,007.2 | 2,607.0 | 2,417.9 | 1,672.3 | 1,539.1 | 913.2 | 795.1 | 790.6 | 849.7 |
| Attribute to parent company YoY (%) | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 |
| Interest and Similar Income | 57,323 | 50,487 | 57,589 | 40,774 | 35,606 | 31,287 | 27,683 | 22,641 | 18,220 | 14,569 | 11,992 | 10,313 | 9,174.7 |
| Interest and Similar Expenses | -37,108 | -29,255 | -38,304 | -23,224 | -20,036 | -21,354 | -19,852 | -17,085 | -13,424 | -10,393 | -8,295.6 | -7,586.9 | -7,070.7 |
| Net Interest Income | 20,215 | 21,232 | 19,285 | 17,550 | 15,570 | 9,933.2 | 7,830.4 | 5,555.9 | 4,796.7 | 4,175.4 | 3,696.2 | 2,726.0 | 2,104.1 |
| Fees and Comission Income | 3,427.9 | 1,569.5 | 912.7 | 1,241.9 | 908.7 | 749.2 | 883.9 | 823.0 | 1,526.2 | 409.8 | 190.0 | 440.3 | 219.4 |
| Fees and Comission Expenses | -222.3 | -286.1 | -367.7 | -351.3 | -323.1 | -226.5 | -189.8 | -109.0 | -69.3 | -71.7 | -92.5 | -86.7 | -86.3 |
| Net Fee and Commission Income | 3,205.6 | 1,283.4 | 544.9 | 890.6 | 585.6 | 522.7 | 694.1 | 713.9 | 1,456.9 | 338.1 | 97.4 | 353.6 | 133.1 |
| Net gain (loss) from foreign currency and gold dealings | 258.2 | 86.3 | 282.2 | 116.2 | 143.5 | 124.7 | 156.3 | 61.7 | 54.2 | 102.0 | 26.6 | 65.6 | 63.4 |
| Net gain (loss) from trading of trading securities | 42.5 | 3.3 | 11.1 | 0 | 0 | 0 | 0 | 0 | 16.5 | -10.1 | 4.2 | 3.6 | 0.70 |
| Net gain (loss) from disposal of investment securities | 511.0 | -218.1 | 28.0 | 92.6 | 988.4 | 1,293.1 | 464.1 | 277.9 | -12.4 | 10.3 | -69.6 | -6.9 | -16.2 |
| Net Other income/(expenses) | 4,970.7 | 1,341.8 | 501.0 | 807.8 | 1,133.8 | 452.7 | 378.1 | 251.1 | 360.0 | 736.4 | 305.0 | 296.9 | 105.3 |
| Other expenses | -159.8 | -186.1 | -67.4 | -120.5 | -272.5 | -104.1 | -136.4 | -121.1 | -222.5 | -388.2 | -130.4 | -189.2 | -28.7 |
| Net Other income/expenses | 4,810.9 | 1,155.7 | 433.6 | 687.2 | 861.3 | 348.6 | 241.7 | 130.1 | 137.5 | 348.2 | 174.6 | 107.8 | 76.6 |
| Dividends received | -25.7 | 29.5 | 743.2 | 4.2 | 3.8 | -14.9 | 2.3 | 2.2 | 2.8 | 2.1 | 8.6 | 7.8 | 6.3 |
| Total operating revenue | 29,017 | 23,572 | 21,328 | 19,341 | 18,153 | 12,207 | 9,389.0 | 6,741.7 | 6,452.2 | 4,966.1 | 3,937.8 | 3,257.3 | 2,368.0 |
| General & Admin Expenses | -6,421.5 | -5,760.2 | -5,051.5 | -4,391.6 | -4,405.9 | -4,299.2 | -3,951.7 | -3,222.8 | -2,896.9 | -2,507.8 | -2,078.6 | -1,624.4 | -1,860.9 |
| Operating Profit before Provision | 22,596 | 17,812 | 16,277 | 14,949 | 13,747 | 7,908.2 | 5,437.3 | 3,518.9 | 3,555.3 | 2,458.4 | 1,859.2 | 1,633.0 | 507.2 |
| Provision for credit losses | -7,575.4 | -6,242.8 | -7,037.8 | -5,260.0 | -7,487.0 | -4,640.2 | -2,411.0 | -1,425.1 | -1,630.0 | -1,301.9 | -842.1 | -620.6 | 492.9 |
| Profit before tax | 15,021 | 11,569 | 9,239.0 | 9,689.4 | 6,260.0 | 3,268.0 | 3,026.3 | 2,093.9 | 1,925.3 | 1,156.4 | 1,017.1 | 1,012.3 | 1,000.0 |
| Tax For the Year | -3,060.3 | -2,247.3 | -1,914.3 | -1,960.5 | -1,252.9 | -661.0 | -608.5 | -421.5 | -386.2 | -243.4 | -221.9 | -221.6 | -150.3 |
| Business income tax - current | -3,056.2 | -2,261.3 | -1,908.5 | -1,961.2 | -1,256.7 | -662.8 | -571.9 | -421.5 | -386.2 | -243.4 | -221.4 | -221.5 | -150.6 |
| Business income tax - deferred | -4.1 | 14.0 | -5.8 | 0.79 | 3.8 | 1.8 | -36.6 | 0 | 0 | 0 | -0.46 | -0.14 | 0.32 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.19 | -0.03 | -0.14 | -0.03 |
| Net Profit For the Year | 11,960 | 9,321.9 | 7,324.8 | 7,728.9 | 5,007.2 | 2,607.0 | 2,417.9 | 1,672.3 | 1,539.1 | 913.1 | 795.2 | 790.7 | 849.8 |
| Attributable to parent company | 11,960 | 9,321.9 | 7,324.8 | 7,728.9 | 5,007.2 | 2,607.0 | 2,417.9 | 1,672.3 | 1,539.1 | 913.2 | 795.1 | 790.6 | 849.7 |
| EPS_basis | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 2 | 1 | 1 | 1 | 1 |
Cash Flow Statement Báo Cáo Lưu Chuyển Tiền Tệ — 17 items, 13 years · values in tỷ đồng
| Line Item | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profits from other activities | 365.6 | 676.3 | 243.6 | 60.3 | 238.3 | 257.5 | 79.8 | 68.7 | 155.9 | 311.3 | -33.7 | -142.6 | 73.3 |
| Operating profit before changes in working capital | 22,503 | 14,653 | 19,609 | 6,764.0 | 13,045 | 8,274.6 | 8,992.3 | 3,249.5 | 4,602.9 | 3,494.6 | 1,173.7 | 463.1 | -1,288.1 |
| Net Cash Flows from Operating Activities before BIT | 34,956 | 11,949 | 40,770 | -2,263.2 | 17,690 | -6,071.1 | 15,978 | 2,073.6 | 6,632.0 | -7,830.4 | 5,206.3 | 13,118 | 4,954.7 |
| Payment from reserves | -38.6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Purchase of fixed assets | -347.2 | -210.7 | -240.8 | -71.3 | -195.1 | -116.0 | -146.7 | -172.7 | -117.2 | -173.7 | -103.8 | -136.5 | -458.2 |
| Gain on Dividend | 35.4 | 29.5 | 5.0 | 4.2 | 3.8 | -14.9 | 2.3 | 2.2 | 2.8 | 2.1 | 8.6 | 7.8 | 6.3 |
| Net Cash Flows from Investing Activities | -345.7 | -180.0 | 589.4 | -45.8 | -199.7 | -130.4 | -121.5 | -155.4 | 74.9 | 411.6 | -67.4 | -66.1 | -442.8 |
| Increase in charter captial | 0 | 435.1 | 0 | 0 | 6,739.4 | 2,959.6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flows from financial activities | 6,018.1 | -1,311.4 | -0.17 | -0.12 | 6,738.5 | 2,959.1 | -0.44 | -0.58 | -0.33 | -0.29 | -2.8 | -603.7 | -1.1 |
| Net increase/decrease in cash and cash equivalents | 40,590 | 10,458 | 41,360 | -2,309.1 | 24,229 | -3,242.4 | 15,856 | 1,917.7 | 6,706.6 | -7,419.1 | 5,136.1 | 12,448 | 4,510.8 |
| Cash and cash equivalents | 121,318 | 110,860 | 69,500 | 71,809 | 47,580 | 50,822 | 34,966 | 33,049 | 26,342 | 33,761 | 28,625 | 16,177 | 11,667 |
| Cash and Cash Equivalents at the end of period | 161,908 | 121,318 | 110,860 | 69,500 | 71,809 | 47,580 | 50,822 | 34,966 | 33,049 | 26,342 | 33,761 | 28,625 | 16,177 |
| Net cash inflows/outflows from operating activities | 34,918 | 11,949 | 40,770 | -2,263.2 | 17,690 | -6,071.1 | 15,978 | 2,073.6 | 6,632.0 | -7,830.4 | 5,206.3 | 13,118 | 4,954.7 |
| Proceeds from disposal of fixed assets | 1.3 | 2.5 | 1.8 | 15.2 | -9.9 | 0.54 | 1.9 | 1.8 | 203.4 | 538.8 | 0.92 | 0.67 | 2.3 |
| Investment in other entities | -33.4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -12.9 | 0 | 0 | 0 | 0 |
| Proceeds from divestment in other entities | 0 | 0 | 825.4 | 6.1 | 1.5 | 0 | 21.0 | 13.4 | 15.0 | 44.4 | 27.6 | 61.8 | 6.8 |
| Dividends paid | -2,011.9 | -1,746.5 | -0.17 | -0.12 | -0.93 | -0.45 | -0.44 | -0.58 | -0.33 | -0.29 | -2.8 | -603.7 | -1.1 |