Saigon - Hanoi Commercial Joint Stock Bank (HOSE:SHB)

Revenue by Segment

Financials in millions VND. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Credit					32.91T	29.55T	24.57T	19.78T	16.69T
Credit Growth					11.39%	20.28%	24.23%	18.51%	-
Capital source					1.32T	804.60B	1.13T	996.87B	1.84T
Capital source Growth					64.37%	-28.81%	13.38%	-45.95%	-
Service					1.28T	582.91B	679.42B	495.87B	435.88B
Service Growth					119.21%	-14.20%	37.02%	13.76%	-
Investment					3.27T	2.95T	3.19T	2.79T	1.19T
Investment Growth					10.67%	-7.39%	14.39%	133.89%	-
Total					38.78T	33.89T	29.57T	24.06T	20.16T
Total Growth					14.44%	14.63%	22.90%	19.34%	-

Revenue by Geography

Financials in millions VND. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Northern Region					7.42T	4.80T	4.69T	3.63T	2.96T
Northern Region Growth					54.58%	2.35%	29.22%	22.61%	-
Southern Region					2.08T	535.67B	412.10B	358.60B	835.83B
Southern Region Growth					288.92%	29.99%	14.92%	-57.10%	-
Central Region					699.37B	1.84T	1.47T	1.05T	457.72B
Central Region Growth					-61.94%	24.81%	40.59%	128.79%	-
Overseas					464.95B	395.02B	404.78B	282.08B	302.00B
Overseas Growth					17.70%	-2.41%	43.50%	-6.60%	-
Total					10.67T	7.57T	6.98T	5.32T	4.56T
Total Growth					40.95%	8.44%	31.25%	16.72%	-

Source: S&P Global Market Intelligence.