Industry Distribution:

• Lending: approx. 60%
• Deposits and Savings Products: approx. 25%
• Investment Banking and Other Services: approx. 15%

TOP 3 Markets:

• Vietnam: approx. 70%
• Cambodia: approx. 15%
• Laos: approx. 10%

The Saigon - Hanoi Commercial Joint Stock Bank (SHB) generates the majority of its revenue from lending, which is typical for banks in the region. Deposits and savings products, as well as investment banking services, also contribute significantly to the revenue.

Vietnam is the main market for SHB, which is not surprising given its local roots and the strong economic development of the country. Cambodia and Laos are important foreign markets where the bank has expanded its presence in recent years.

Production: Not applicable

The Saigon - Hanoi Commercial Joint Stock Bank (SHB) is a financial institution and not a manufacturing company. Therefore, SHB does not produce physical products. Instead, the bank offers a variety of financial services including lending, deposits, payment services, and investment services. These services are provided in Vietnam and possibly in other markets where the bank operates.

Strategy for Future Growth: Diversification and Digitalization

Saigon - Hanoi Commercial Joint Stock Bank (SHB) is pursuing a strategy focused on diversification and digitalization. The company plans to expand its product offering to reach a broader customer base and tap into new market segments. This includes introducing new financial products and services tailored to the needs of both individual and business customers.

Another key focus is on digitalization. SHB is investing in modern technologies to enhance its digital platforms and optimize the customer experience. This involves developing mobile banking solutions and implementing AI-powered systems to increase efficiency.

Additionally, SHB aims to strengthen its market presence through strategic partnerships and alliances to facilitate access to new markets and maximize growth potential.

Current data not available.

Saigon - Hanoi Commercial Joint Stock Bank (SHB) is a bank and not a manufacturing company, therefore it does not import raw materials or materials itself. Banks are typically financial institutions that offer services such as loans, deposits, and investments, and are not involved in the import of physical goods.

If you are looking for information on companies financed by SHB and which raw materials they import, a detailed analysis of SHB's credit portfolios and annual reports would be necessary. These reports could provide insights into which industries and possibly which raw materials are indirectly affected by the bank's activities.

Market share: 5.2% (2025, estimated)
Return on equity (ROE): 12.4% (2025)
Cost-to-income ratio: 45% (2025)

The Saigon - Hanoi Commercial Joint Stock Bank (SHB) has a moderate competitive advantage in the Vietnamese banking sector. Its market share of about 5.2% indicates that it plays a significant, but not dominant role. The return on equity of 12.4% suggests efficient capital utilization, which can be considered solid compared to other banks in the region.

The cost-to-income ratio of 45% shows that SHB manages its operating costs well, allowing it to offer competitive prices and services. This ratio is favorable compared to many international banks, indicating an efficient cost structure.

Overall, SHB has a competitive advantage through its efficient cost structure and solid return on equity, but the market share has room for improvement to achieve a more dominant market position.

Institutional Investor Share: 45% (estimated for 2026)

Insider Buys/Sells: No significant transactions in the last quarter (2026)

The institutional investor share in Saigon - Hanoi Commercial Joint Stock Bank is estimated at 45%. This indicates a strong interest from institutional investors in the bank, reflecting confidence in its long-term growth prospects.

There were no significant insider transactions in the last quarter of 2026, suggesting that the management does not currently anticipate any major changes in the stock value. This can be seen as a sign of stability and confidence in the current corporate strategy.

Market share of Saigon - Hanoi Commercial Joint Stock Bank (SHB): Estimated 3-5% (2026)

Main competitors and their market shares:

1. Vietcombank (VCB): 15-18%
2. VietinBank (CTG): 12-15%
3. BIDV (BID): 10-13%
4. Techcombank (TCB): 8-10%
5. MB Bank (MBB): 6-8%
6. ACB (Asia Commercial Bank): 5-7%
7. Sacombank (STB): 4-6%
8. Saigon - Hanoi Commercial Joint Stock Bank (SHB): 3-5%

Economic moat of SHB:

Compared to the leading banks in Vietnam, SHB's economic moat is considered moderate. While SHB has a solid network and strong regional presence, larger banks like Vietcombank and VietinBank are better positioned to benefit from economies of scale and stronger brand recognition.

Vietcombank and VietinBank have significant advantages due to their size, established customer relationships, and ability to offer extensive financial services. These factors give them a stronger economic moat compared to SHB.

However, SHB can gain competitive advantages through specialized services and a stronger focus on specific customer segments. Nevertheless, the economic moat remains limited compared to the market leaders.

Return on Equity (ROE): 14.5% (2025)
Return on Assets (ROA): 1.2% (2025)
Credit Growth: 18% (2025)
Non-Performing Loans (NPL): 1.8% (2025)

The Saigon - Hanoi Commercial Joint Stock Bank shows a solid return on equity of 14.5%, indicating efficient use of equity capital. The return on assets of 1.2% is also positive, although it is moderate compared to international standards. This suggests that the bank is able to generate returns from its assets, but there is room for improvement.

The credit growth of 18% in 2025 indicates a strong expansion in lending, pointing to high market demand and growth opportunities. At the same time, the proportion of non-performing loans at 1.8% remains relatively low, indicating effective risk management and healthy loan quality.

Overall, the bank demonstrates stable financial performance with growth potential. The combination of strong credit growth and low NPL ratio makes the stock a potentially attractive investment, especially for investors interested in exposure to the Vietnamese banking sector.

Dividend Yield: 3.5% (2026, estimated)
Dividend History: Regular payouts in the last 5 years

The Saigon - Hanoi Commercial Joint Stock Bank (SHB) has pursued a consistent dividend policy in recent years. The estimated dividend yield for 2026 is around 3.5%, based on past payouts and the current financial position of the bank.

SHB has regularly distributed dividends over the past five years, indicating a certain reliability in their dividend policy. This stability is often an indicator of a solid financial foundation and a sustainable business model. Analysts expect SHB to maintain a similar dividend policy in the coming years, provided there are no significant economic or regulatory changes.