SGB

BankBanking

Commercial Joint Stock Bank Sài Gòn Công thương

Original Name: Ngân hàng TMCP Sài Gòn Công thương

Reference Price12.100 ₫

Interactive Stock Chart

Exchange Ticker: SGB

Listing Information

Exchange MarketUPCOM

Live SectorBanking

First Trading Date15/10/2020

First Close Price₫15,500

Capital Structure

Charter Capital3,608.22 Billion VND

Listed Shares360,819,732

Outstanding Shares360,819,660

Treasury Shares-

Detailed Corporate Timeline & Sectors

Establishment History

Is the first Vietnamese joint stock commercial bank established in the joint stock banking system in Vietnam today, established on October 16, 1987, before the Company Law and Banking Ordinance were established with an initial charter capital of 650 million VND and an operating period of 50 years. .

After more than 22 years of establishment, Saigon Joint Stock Commercial Bank for Industry and Trade has increased its charter capital from 650 million VND to 1,500 billion VND according to progress:
Initial charter capital is 650 million VND, including 13,000 equal shares with par value of 50,000 VND/share.
As of December 31, 2009, Saigon Joint Stock Commercial Bank for Industry and Trade has agency relationships with 649 banks and branches in 75 countries and territories around the world. Currently, Saigonbank is a payment agent for Visa, Master Card, JCB, CUP cards... and a Moneygram remittance transfer agent.

Business field

Lending
Raising capital
International payments
Remittances- Moneygram
Other services

Address: 02C Pho Duc Chinh, District 1, HCMC

Phone: (84-8) 39.143.183 - Fax: (84-8) 39.143.193

Disclosure Officer:

Email: [email protected]

Website: http://www.saigonbank.com.vn

Ratio / Financial Indicator	2022	2023	2024	2025
Earnings Per Share (EPS)	₫527	₫739	₫219	₫337
Price-to-Earnings (P/E)	22.98x	16.36x	55.15x	35.92x
Book Value Per Share (BVPS)	₫76,764	₫87,303	₫92,180	₫98,046
Price-to-Book (P/B)	0.16x	0.14x	0.13x	0.12x
Return on Equity (ROE)	0.69%	0.85%	0.24%	0.34%
Return on Assets (ROA)	0.69%	0.85%	0.24%	0.34%
Net Profit Margin	21.71%	29.91%	11.24%	17.00%
Debt-to-Equity Ratio	0.02	0.03	0.02	0.02
Current Ratio	-	-	-	-

Audited Financial Statements

Source: KB Securities (KBS) Datafeed • Updated dynamically

Show absolute values (VND)

Thu nhập lãi thuầnNet interest income

-18.3% YoY

Lợi nhuận sau thuế (XI-XII)Net profit after tax

-36.0% YoY

TỔNG CỘNG TÀI SẢNTOTAL ASSETS

+27.7% YoY

Financial Indicator (VND)	2025	2024	2023	2022
1. Thu nhập lãi và các khoản thu nhập tương tự1. Interest income and similar income	2,211,933,000,000	2,175,145,000,000	2,529,101,000,000	1,886,625,000,000
2. Chi phí lãi và các chi phí tương tự2. Interest expense and similar expenses	1,497,071,000,000	1,470,867,000,000	1,637,157,000,000	1,011,307,000,000
I. Thu nhập lãi thuầnI. Net interest income	714,862,000,000	704,278,000,000	891,944,000,000	875,318,000,000
3. Thu nhập từ hoạt động dịch vụ3. Fee and commission income	69,227,000,000	65,093,000,000	66,250,000,000	66,776,000,000
4. Chi phí hoạt động dịch vụ4. Fee and commission expenses	31,601,000,000	31,566,000,000	27,246,000,000	28,571,000,000
II. Lãi/lỗ thuần từ hoạt động dịch vụII. Net fee and commission income	37,626,000,000	33,527,000,000	39,004,000,000	38,205,000,000
III. Lãi/lỗ thuần từ hoạt động kinh doanh ngoại hối và vàngIII. Net gain/(loss) from foreign currencies and gold trading	19,402,000,000	19,160,000,000	33,611,000,000	47,797,000,000
IV. Lãi/lỗ thuần từ mua bán chứng khoán kinh doanhIV. Net gain/(loss) from trading securities	-	-	-	-
V. Lãi/lỗ thuần từ mua bán chứng khoán đầu tưV. Net gain/(loss) from investment securities	-	-	-	-
5. Thu nhập từ hoạt động khác5. Other income	222,425,000,000	157,439,000,000	210,782,000,000	100,890,000,000
6. Chi phí hoạt động khác6. Other expenses	17,321,000,000	13,535,000,000	10,945,000,000	10,243,000,000
VI. Lãi/lỗ thuần từ hoạt động khácVI. Net other income	205,104,000,000	143,904,000,000	199,837,000,000	90,647,000,000
VII. Thu nhập từ góp vốn, mua cổ phầnVII. Income from capital contribution and long-term investments	6,554,000,000	-	7,191,000,000	3,488,000,000
VIII. Chi phí hoạt độngVIII. Operating expenses	683,600,000,000	630,387,000,000	570,437,000,000	568,001,000,000
IX. Lợi nhuận thuần từ hoạt động kinh doanh trước chi phí dự phòng rủi ro tín dụng (I+II+III+IV+V+VI+VII-VIII)IX. Operating profit before provision for credit losses	299,948,000,000	270,482,000,000	601,150,000,000	487,454,000,000
X. Chi phí dự phòng rủi ro tín dụngX. Provision for credit losses	149,276,000,000	171,138,000,000	268,905,000,000	250,448,000,000
XI. Tổng lợi nhuận trước thuế (IX-X)XI. Profit before tax	150,672,000,000	99,344,000,000	332,245,000,000	237,006,000,000
7. Chi phí thuế TNDN hiện hành7. Current corporate income tax expenses	29,136,000,000	20,176,000,000	65,456,000,000	47,017,000,000
8. Chi phí thuế TNDN hoãn lại8. Deferred income tax expenses (*)	-	-	-	-
XII. Chi phí thuế TNDNXII. Corporate income tax	29,136,000,000	20,176,000,000	65,456,000,000	47,017,000,000
XIII. Lợi nhuận sau thuế (XI-XII)XIII. Net profit after tax	121,536,000,000	79,168,000,000	266,789,000,000	189,989,000,000
XIV. Lợi ích của cổ đông thiểu sốXIV. Minority interest	-	-	-	-
XV. Lợi nhuận sau thuế của cổ đông của Ngân hàng mẹ (XIII-XIV)XV. Net profit atttributable to the equity holders of the Bank	121,536,000,000	79,168,000,000	266,789,000,000	189,989,000,000
Lãi cơ bản trên cổ phiếu (BCTC) (VNÐ)Earning per share (VND)	337	234	866	617

Data Source & Disclaimer

Data Source: Financial statement data is automatically aggregated from official disclosure feeds of listed companies through the analysis system of KB Securities Vietnam JSC (KB Securities).

Disclaimer: All financial data displayed on this website is provided for general reference purposes only. We make every effort to update accurate data but do not provide any warranty regarding its completeness or absolute reliability. The displayed figures do not constitute investment advice or an offer to trade securities. Users assume all risks and responsibilities for any financial decisions made based on the data on this website.

SGB

Commercial Joint Stock Bank Sài Gòn Công thương

Interactive Stock Chart

Listing Information

Capital Structure

Detailed Corporate Timeline & Sectors

Key Financial Ratios (2025)

Historical Financial Metrics (YoY)

Financial Ratios Reference & Interpretation Guide

Audited Financial Statements

SGB — Financial Data Summary (2022–2025)

Executive Summary

Operating Performance & Profitability

Asset Structure & Financial Leverage

Cash Flow Quality