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Saigon Finance Loc Joint Stock Commercial Bank (STB) was established in 1991 on the basis of merging Go Vap Economic Development Bank with 03 credit cooperatives, namely Tan Binh, Thanh Cong and Lu Gia. Sacombank is the first Vietnamese bank to receive entrusted capital, funding and technical support from international financial institutions IFC, ADB, Proparco, FMO, the first Vietnamese commercial joint stock bank to build and put into operation a modern Data Center of international standards. In 2006, STB was the first joint stock commercial bank in Vietnam to pioneer the listing of shares in hose.
STB currently has a market capitalization of roughly VND 127.441 billion, placing it in the large-cap group on the Vietnamese stock market. Its current P/E of 41,4x is 178% above its own 8-year average (14,9x), suggesting the stock is trading richer than its historical norm. P/B stands at 2x, 49% above its multi-year average of 1,4x. Return on equity (ROE) is at 5%, down from 10,1% the year before. On asset quality, the non-performing loan (NPL) ratio is 7,5%, with loan-loss coverage at 56,7%. In 2025, revenue grew 12% year-on-year while after-tax profit fell 41%.
This note is generated automatically from the stock's real financial data, for reference only — not investment advice.
Unit: VND billion. Growth (%) vs. previous period.
Unit: VND billion. Year-end values; current year uses latest session.
Unit: %. Bank capital-adequacy proxy (VNDirect doesn't publish CAR, so Equity/Total Assets is used instead).
Unit: %. Group 3-5 loans over total outstanding loans, trailing 4 quarters.
Unit: %. Loan loss reserves over total NPLs, trailing 4 quarters.
Data aggregated from cafef.vn and VNDirect, for reference only, not investment advice.