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Sai Gon - Hanoi Commercial Joint Stock Bank's quarterly net loan
increased
from Sep. 2025 (₫610,931,726 Mil) to Dec. 2025 (₫615,363,877 Mil) and
increased
from Dec. 2025 (₫615,363,877 Mil) to Mar. 2026 (₫626,283,551 Mil).
Sai Gon - Hanoi Commercial Joint Stock Bank's annual net loan
increased
from Dec. 2023 (₫438,085,752 Mil) to Dec. 2024 (₫615,363,877 Mil) and
increased
from Dec. 2024 (₫615,363,877 Mil) to Dec. 2025 (₫626,283,551 Mil).
Sai Gon - Hanoi Commercial Joint Stock Bank Net Loan Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Sai Gon - Hanoi Commercial Joint Stock Bank Net Loan Chart
Sai Gon - Hanoi Commercial Joint Stock Bank Annual Data
Sai Gon - Hanoi Commercial Joint Stock Bank Net Loan Calculation
Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.
Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a Net Loan of ₫626,283,551 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's Net Loan too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current Net Loan is ₫626,283,551 Mil. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sai Gon - Hanoi Commercial Joint Stock Bank's Net Loan compare to competitors?
Sai Gon - Hanoi Commercial Joint Stock Bank's Net Loan of ₫626,283,551 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. Sai Gon - Hanoi Commercial Joint Stock Bank's current Net Loan is ₫626,283,551 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sai Gon - Hanoi Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫14,385.78, compared to a current price of ₫12,650.00 — trading 12.1% below its estimated fair value. The current Net Loan is ₫626,283,551 Mil. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 66/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current Net Loan is ₫626,283,551 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) Overvalued in 2026?
Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank stock appears to be undervalued.
The current stock price of ₫12,650.00 is trading 12.1% below its estimated GF Value™ of ₫14,385.78.
GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Modestly Undervalued.
Key valuation signals for STC:SHB:
Net Loan: ₫626,283,551 Mil
GF Value™: ₫14,385.78 vs. price of ₫12,650.00 (12.1% below fair value)
No single metric tells the full story. See the STC:SHB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sai Gon - Hanoi Commercial Joint Stock Bank Business Description
Sai Gon - Hanoi Commercial Joint Stock Bank is a Vietnam-based banking corporation. It offers various banking services to its customers, including retail banking, corporate banking, and other banking-related services. Its products and services include savings, current accounts, money transfer services, E-banking, guarantee service, and forex trading and treasury services. It also provides credit in the form of car loans, rubber loans, agricultural product loans, business overdrafts, and medium and long-term loans and credit facilities. The company operates in four reportable segments: credit, investment, services, and treasury. The primary source of its revenue is interest income, commission, and fees received by providing advisory and financial services to the customer.
66GF Score
Get the complete analysis for STC:SHB
Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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