📋 Tender Overview
Voi loi nhuan truoc thue 9 thang nam 2026 uoc tang 17%, tong tai san tien sat 1 trieu ty dong, SHB tiep tuc tang truong tin dung co chon loc, mo rong huy dong von quoc te, dau tu cong nghe va nang cao nang luc quan tri rui ro. Tai xuong Ngan hang TMCP Sai Gon - Ha Noi (SHB) vua to chuc Hoi nghi Nha dau tu 2026, cap nhat ket qua kinh doanh, dinh huong tang truong va trao doi ve cac van de duoc thi truong quan tamLoi nhuan tang, tong tai san tien sat 1 trieu ty dongNgan hang TMCP Sai Gon - Ha Noi (SHB) vua to chuc Hoi nghi Nha dau tu 2026, cap nhat ket qua kinh doanh, dinh huong tang truong va trao doi ve cac van de duoc thi truong quan tam nhu chat luong loi nhuan, quan tri rui ro, tang von, co tuc, thuong vu SHBFinance va huy dong von quoc te.Theo so lieu uoc tinh tai hoi nghi, loi nhuan truoc thue 9 thang dau nam 2026 cua SHB dat 14.309 ty dong, tang 17% so voi cung ky, hoan thanh khoang 81% ke hoach nam.Tai ngay 30/9/2026, tong tai san ngan hang uoc dat 993.512 ty dong, tang 11,38% so voi cuoi nam 2025. Huy dong von thi truong I dat khoang 720.839 ty dong, tang 12,19%; du no tin dung dat 678.540 ty dong, tang 9,52%.Tong thu nhap hoat dong uoc dat 26.300 ty dong, tang 16% so voi cung ky. Thu nhap ngoai lai du kien dong gop gan 30% tong thu nhap hoat dong. Cac chi tieu hieu qua kinh doanh duoc duy tri voi ty suat loi nhuan tren von chu so huu (ROE) uoc dat 25,93% va ty le chi phi hoat dong tren tong thu nhap hoat dong (CIR) khoang 19,21%.Tren co so ket qua nay, SHB tiep tuc trien khai ke hoach kinh doanh nhung thang cuoi nam, gan tang truong quy mo voi hieu qua su dung von va chat luong tai san.Ngan hang dinh huong tang truong tin dung co chon loc, khai thac nhu cau cua khach hang hien huu, dong thoi mo rong nguon thu tu thanh toan, quan ly dong tien, bao lanh va tai tro thuong mai.Mo hinh phuc vu khach hang doanh nghiep va he sinh thai tiep tuc duoc phat trien, mo rong tu doanh nghiep sang nha cung cap, doanh nghiep ve tinh va nguoi lao dong. Dinh huong ban le trong ban buon nham ket hop phat trien tin dung, huy dong va dich vu, tang kha nang ban cheo.Cung voi do, ngan hang doanh nghiep, ngan hang ban le va ngan hang so duoc dinh huong phat trien tren nen tang du lieu va cong nghe, ho tro nang cao nang suat va chat luong phuc vu. Tai xuong Ba Ngo Thu Ha - Tong giam doc Ngan hang SHB thong tin voi cac nha dau tu tai hoi nghiTang von, mo rong huy dong quoc te va dau tu cong ngheVe nang luc tai chinh, SHB da hoan tat dot phat hanh them 750 trieu co phieu, dang thuc hien cac thu tuc ghi nhan muc von dieu le moi 53.442 ty dong tren giay phep thanh lap va hoat dong, cung thu tuc dua co phieu phat hanh them vao giao dich theo quy dinh.Doi voi thuong vu chuyen nhuong 50% von dieu le con lai tai SHBFinance, nay la SFinance, cho Krungsri thuoc Tap doan Tai chinh MUFG cua Nhat Ban, doi tac da thanh toan day du. SHB du kien ghi nhan loi nhuan tu thuong vu trong quy IV/2026. Nguon tien thu ve bo sung nguon luc de ngan hang tap trung vao hoat dong cot loi, dau tu cong nghe va phat trien cac linh vuc kinh doanh chien luoc.Ben canh nguon luc noi tai, SHB tiep tuc da dang hoa cac kenh huy dong von quoc te.Moi day, ngay 12/10/2026, ngan hang cong bo ky thoa thuan vay von do Sumitomo Mitsui Banking Corporation (SMBC) dieu phoi, voi quy mo ban dau 340 trieu USD va kha nang tang them theo cac dieu kien cua thoa thuan. Khoan vay co ky han ba nam ke tu ngay giai ngan dau tien, phuc vu hoat dong cap tin dung va tai tro cac du an du dieu kien.Cac to chuc dong thu xep va bao lanh chinh gom SMBC, State Bank of India, CTBC Bank, Maybank Securities, Abu Dhabi Commercial Bank va MUFG Bank.Giao dich tiep noi hai khoan vay hop von trung han theo tieu chi moi truong, xa hoi va quan tri (ESG), tong tri gia 600 trieu USD ma SHB huy dong thanh cong trong nam 2025, voi su tham gia cua 26 dinh che tai chinh quoc te.O kenh trai phieu, S&P Global Ratings da xep hang tin nhiem phat hanh dai han AA cho trai phieu bang do la Singapore do SHB phat hanh, duoc Quy Bao lanh Tin dung va Dau tu (CGIF), quy tin thac cua Ngan hang Phat trien chau A, bao lanh.SHB cung da duoc Uy ban Chung khoan Nha nuoc chap thuan ho so dang ky chao ban trai phieu quoc te va duoc So Giao dich Chung khoan Singapore chap thuan dang ky niem yet. Trai phieu cua ngan hang da chinh thuc giao dich tren thi truong chung khoan Singapore.Song song voi viec cung co nguon luc tai chinh, SHB chu trong kiem soat chat luong tai san, muc do tap trung tin dung va kha nang hap thu rui ro. Ngan hang tiep tuc ra soat danh muc, tang cuong du phong va kiem soat dong tien khach hang trong qua trinh mo rong hoat dong.Ve cong nghe, SHB du kien danh gan 6.000 ty dong cho cong nghe va so hoa giai doan 2026-2030. Cac trong tam gom tu dong hoa quy trinh, nang cao nang luc phan tich du lieu va cai thien trai nghiem khach hang, qua do ho tro tang nang suat va khai thac hieu qua he sinh thai khach hang.Ben canh do, ngan hang dua yeu to phat trien ben vung vao hoat dong huy dong va phan bo von. Khung Tai chinh Ben vung cua SHB duoc S&P Global Ratings danh gia doc lap la phu hop voi sau bo nguyen tac, huong dan quoc te, bao phu tai chinh xanh, xanh duong va xa hoi.Khung nay quy dinh viec lua chon du an, quan ly nguon von va bao cao phan bo, tac dong, tao co so ket noi nguon von quoc te voi cac du an nang luong sach, nguon nuoc, he sinh thai bien, doanh nghiep nho va vua cung cac dich vu thiet yeu.Thong qua Hoi nghi Nha dau tu 2026, SHB tiep tuc trao doi voi cong dong dau tu ve ket qua kinh doanh, ke hoach tang truong va dinh huong phat trien, tap trung nang cao hieu qua hoat dong, cung co nang luc tai chinh va quan tri.Anh MinhTham khao themSHB duoc S&P xep hang AA cho trai phieu quoc te co bao lanhTham khao themSHB hoat dong on dinh, trien khai tang von dung quy dinh, da dang hoa nguon lucTham khao themSHB giam lai suat, bom them 2.000 ty dong cho linh vuc uu tienTham khao themSap hoan tat thuong vu M&A, SHB tang them du dia tang truongTham khao themPhai giam toi thieu 0,5%/nam lai suat
