Sai Gon Ha Noi Commercial Joint Stock Bank (SHB) — Tangible Net Worth Ratio
Sai Gon Ha Noi Commercial Joint Stock Bank (SHB) has a Tangible Net Worth Ratio of 93.4% as of March 2026. This metric is calculated by deducting intangible assets (₫4.70 Trillion) from net assets (₫71.72 Trillion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See SHB working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Sai Gon Ha Noi Commercial Joint Stock Bank Tangible Net Worth Ratio (2019–2025)
This chart shows how Sai Gon Ha Noi Commercial Joint Stock Bank's Tangible Net Worth Ratio has changed across 7 annual periods from 2019 to 2025. As of March 2026, the ratio stands at 93.4%, reflecting net assets of ₫71.72 Trillion with intangible assets of ₫4.70 Trillion VND. See SHB cash and liquid assets coverage to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for Sai Gon Ha Noi Commercial Joint Stock Bank (2019–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for Sai Gon Ha Noi Commercial Joint Stock Bank from 2019 to 2025, covering 7 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see Sai Gon Ha Noi Commercial Joint Stock Ba (SHB) market capitalisation.
| Year | Tangible NW Ratio | Net Assets (VND) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 93.1% | ₫68.13 Trillion | ₫4.71 Trillion | ₫892.01 Trillion | ▲ +0.8 pp |
| 2024 | 92.2% | ₫58.07 Trillion | ₫4.50 Trillion | ₫747.48 Trillion | ▲ +1.2 pp |
| 2023 | 91.0% | ₫50.10 Trillion | ₫4.49 Trillion | ₫630.50 Trillion | ▲ +1.4 pp |
| 2022 | 89.6% | ₫42.90 Trillion | ₫4.45 Trillion | ₫550.90 Trillion | ▲ +2.1 pp |
| 2021 | 87.5% | ₫35.53 Trillion | ₫4.44 Trillion | ₫506.60 Trillion | ▲ +5.5 pp |
| 2020 | 82.0% | ₫24.04 Trillion | ₫4.33 Trillion | ₫412.68 Trillion | ▲ +5.3 pp |
| 2019 | 76.7% | ₫18.51 Trillion | ₫4.32 Trillion | ₫365.25 Trillion | — |