SHB reserves VND 47,000 billion in preferential credit for SMEs, individuals, and business households with interest rates reduced to 2% per year.
Recently, SHB added VND 2,000 billion in preferential credit for new customers in priority fields such as manufacturing, export, high technology, supporting industries, agriculture and innovation... The loan package applies an interest rate 0.5-0.7% lower than the current rate, applicable from August 17 until the disbursement limit is full.
From the beginning of 2026, SHB has deployed a VND 45,000 billion preferential credit package for small and medium-sized enterprises (SMEs), individual customers and business households, with a maximum interest rate reduction of 2% per year.
Thus, the total scale of SHB preferential credit programs for SMEs, individuals and business households since the beginning of the year reached 47,000 billion VND.
A bank representative said that small and medium-sized enterprises are considered the "backbone" of the economy, but the ability to access credit capital is still one of the bottlenecks when maintaining and expanding production and business. In the context that the Government sets high growth targets, opening up capital flows to this sector is expected to strengthen operating capacity, create more jobs and expand the supply chain.
SHB said it is prioritizing credit for the production and business sectors and growth drivers such as agriculture, supporting industries, high technology, import-export, digital economy, artificial intelligence, semiconductors, processing, manufacturing and key national projects.
In addition to credit, the bank provides an ecosystem of solutions for cash flow management, payments, trade finance, guarantees and supply chain finance to support businesses in using capital and connecting in the value chain.
To create room to reduce interest rates, SHB aims to continue streamlining its apparatus, digitizing processes, simplifying procedures and reducing operating costs by 10-15%. According to the bank, optimizing operations helps shorten document processing time and optimize costs.
At the same time, the bank also increased mobilization of international and cheap capital. In 2025, SHB successfully mobilized two medium-term syndicated loans in USD according to ESG criteria with a total scale of 600 million USD, attracting 26 international financial institutions to participate.
Expanding international capital sources, along with relationships with financial organizations and development institutions such as IFC and WB, is expected by SHB to help diversify capital sources and create more room to implement preferential interest rate loan programs, especially for businesses oriented towards green and sustainable growth.
Recently, SHB's financial foundation has been continuously improved through the successful issuance of more than 750 million shares, bringing charter capital to VND 53,442 billion, rising to the top 4 largest private commercial banks in Vietnam. The 2026 Annual General Meeting of Shareholders approved the 2025 dividend plan at a rate of 16%, including 10% in stocks and 6% in cash. The bank is completing procedures and seeking approval from regulators to pay dividends to shareholders on time. After being approved by the management agency, SHB's charter capital will increase to VND 58,786 billion.
In addition, SHB is about to complete the transfer of 50% of the remaining charter capital at SHBFinance to Krungsri - a member of MUFG Financial Group (Japan) in the third quarter of 2026. Additional financial resources from the deal will contribute to strengthening financial capacity and helping SHB focus resources on core business areas.
At the end of the first six months of the year, SHB recorded pre-tax profit of VND 9,092 billion, completing 51% of the year's plan. Total assets reached 962,667 billion VND, cost-to-income ratio (CIR) was at 16%, in the good group of the industry.
The bank said it continues to control credit quality, maintain safety ratios according to regulations, and invest in technology, administration and development of corporate, SME and individual customer ecosystems.
Following 33 years of development, SHB is implementing a comprehensive transformation strategy, aiming to realize the positioning of "A new generation national bank". SHB aims to become the No. 1 bank in terms of efficiency, the favorite digital bank, and the best retail bank by 2030; At the same time, it is among the top banks in providing capital, financial products and services to green development-oriented business customers; SME and individual customers. Vision to 2035, SHB will become a modern bank, a digital bank, and a green bank in the leading group in the region.
