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Saigon - Hanoi Commercial Joint Stock Bank: Business Overview, Financials & Competitive Analysis

Saigon - Hanoi Commercial Joint Stock Bank scores 7/10 on the AskCyborg Cyborg Score (Strong). Leading Vietnamese retail bank with robust profitability, digital transformation momentum, and regional expansion strategy targeting 2027 leadership position. As of June 2024, SHB's total assets exceeded VND 659.7 trillion with charter capital of VND 36.6 trillion, securing its position in the top five largest private.

What is Saigon - Hanoi Commercial Joint Stock Bank's industry? Saigon - Hanoi Commercial Joint Stock Bank (shb.com.vn) operates in Commercial Banking & Financial Services. AskCyborg classifies Saigon - Hanoi Commercial Joint Stock Bank under Commercial Banking & Financial Services in its company registry.

SHB was established in 1993 and officially listed on the Hanoi Stock Exchange in 2009, later transferred to Ho Chi Minh City Stock Exchange. The bank operates more than 530 domestic and foreign transaction points serv...

7/ 10Strong

Cyborg Score thesis

Leading Vietnamese retail bank with robust profitability, digital transformation momentum, and regional expansion strategy...

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Industry Commercial Banking & Financial Services
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 19, 2026
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What's in This Report
Saigon - Hanoi Commercial Joint Stock Bank OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Saigon - Hanoi Commercial Joint Stock Bank Overview

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SHB was established in 1993 and officially listed on the Hanoi Stock Exchange in 2009, later transferred to Ho Chi Minh City Stock Exchange. The bank operates more than 530 domestic and foreign transaction points serving over 5 million customers. SHB ranks among the top 5 largest joint stock commercial banks in Vietnam and top 100 ASEAN banks.

Strategic Profile

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SHB aims to become the most efficient bank by 2027, a leading modern and most popular digital bank. The bank maintains the lowest cost-to-income ratio in the industry at 22.25% due to digital transformation and operational automation. The bank has expanded internationally with operations in Cambodia and Laos, positioning itself as a pioneer in regional banking.

Competitive Landscape

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SHB competes among major Vietnamese joint stock banks led by VPBank, MB, and Techcombank, all included in Fortune SEA 500. The bank ranks in top 5 joint stock commercial banks and top 10 most prestigious banks in Vietnam. SHB is designated as one of 10 Domestic Systematically Important Banks (DSIBs) in Vietnam's banking system.

Industry Context

Saigon - Hanoi Commercial Joint Stock Bank operates in Commercial Banking & Financial Services.

Key facts

Founded: 1993 · Headquarters: Hanoi, Vietnam · Employees: 6348

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on Saigon - Hanoi Commercial Joint Stock Bank.

  • Total assets of VND 659.8 trillion and outstanding credit of VND 475.3 trillion position SHB among leading capital providers in Vietnam
  • Maintains the lowest cost-to-income ratio (22.25%) in the banking industry through advanced digital transformation
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Recent developments

Material events tracked by the AskCyborg corpus.

  • June 2024Total assets exceeded VND 659.8 trillion with charter capital at VND 36.6 trillion
  • H1 2024Achieved pre-tax profit of VND 6.86 trillion, up 13% YoY with 25.91% ROE
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Commercial BankingLeading Vietnamese joint stock bank→Commercial BankingMajor Vietnamese joint stock bank→Commercial BankingTechnology-focused Vietnamese bank→

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Industry context

Saigon - Hanoi Commercial Joint Stock Bank operates in Commercial Banking & Financial Services. See how the rest of the sector scores on the Cyborg framework.

Top companies in Commercial Banking & Financial Services by Cyborg Score

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How AskCyborg research is made

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AI-generated research summary based on public sources; it may contain errors or omissions. Not investment advice. Not reviewed or endorsed by the companies covered. Report an error: legal@askcyborg.com · Terms of Service

Frequently asked questions

What does Saigon - Hanoi Commercial Joint Stock Bank do?+
SHB was established in 1993 and officially listed on the Hanoi Stock Exchange in 2009, later transferred to Ho Chi Minh City Stock Exchange. The bank operates more than 530 domestic and foreign transaction points serv...
What is Saigon - Hanoi Commercial Joint Stock Bank's Cyborg Score?+
Saigon - Hanoi Commercial Joint Stock Bank has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Saigon - Hanoi Commercial Joint Stock Bank's main competitors?+
Named competitors include Commercial Banking, Commercial Banking, Commercial Banking. The full competitive landscape is in the AskCyborg report.
How can I get the full Saigon - Hanoi Commercial Joint Stock Bank research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Saigon - Hanoi Commercial Joint Stock Bank research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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