StockNote
SGB
Saigon Industrial and Commercial Joint Stock Bank (SGB) is Vietnam's first joint stock commercial bank, established in 1987. The Bank operates in the field of capital mobilization and trading, and provides related financial services. SGB became a public company in 2014. SGB has been traded on the UPCOM market since October 2020. Compared to the same period in 2023, the net interest margin (NIM) was 3.2%, down 0.32%. The bad debt ratio is at 2. 03%, down 0.1%. The bad debt coverage rate is 44.14 %. Profit after tax of the parent company is equivalent to VND 266.79 billion, an increase of 40.42%. The return on equity (ROE) was at 6.7%, up 1.7%.
SGB currently has a market capitalization of roughly VND 4.395 billion, placing it in the mid-cap group on the Vietnamese stock market. Its current P/E of 38,8x is 24% above its own 7-year average (31,3x), suggesting the stock is trading richer than its historical norm. P/B stands at 1x, 7% below its multi-year average of 1,1x. Return on equity (ROE) is at 0,5%, down from 2,9% the year before. On asset quality, the non-performing loan (NPL) ratio is 2,9%, with loan-loss coverage at 35,7%. In 2025, revenue grew 9% year-on-year while after-tax profit grew 54%.
This note is generated automatically from the stock's real financial data, for reference only — not investment advice.
Revenue & Profit
Unit: VND billion. Growth (%) vs. previous period.
Market Cap
Unit: VND billion. Year-end values; current year uses latest session.
Equity / Assets
Unit: %. Bank capital-adequacy proxy (VNDirect doesn't publish CAR, so Equity/Total Assets is used instead).
NPL Ratio
Unit: %. Group 3-5 loans over total outstanding loans, trailing 4 quarters.
NPL Coverage Ratio
Unit: %. Loan loss reserves over total NPLs, trailing 4 quarters.
Data aggregated from cafef.vn and VNDirect, for reference only, not investment advice.