SGB

Ngân hàng TMCP Sài Gòn Công Thương ·UPCOM ·2026Q1

▼ SPREAD COMPRESSION

Operations are weakening NIM 2.19%, -0.25 pp YoY

Price

11,900

Latest close

02 Jun 2026

P/B 1.0x

ROAE (TTM) 2.7%

NIM (TTM) 2.2%

ROAA (TTM) 0.3%

LDR 86.3%

Bank Picture

SGB bank opening narrative plan rendered.

	                            
	                                NIM
	                            
	                                    2.19%
	                                
−0.2 pp YoY

	                            
	                                Asset yield
	                            
	                                    7.00%
	                                
−0.2 pp YoY

	                            
	                                Funding cost
	                            
	                                    4.81%
	                                
+0.1 pp YoY

Metric	2025	2024
Net Interest Income	714,9	704,3
NIM	2,23%	2,27%
Net Fee Income	37,6	33,5
Provision Expense	149,3	171,1
Net Profit After Tax	121,5	79,2

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Net Interest Income	209,9	65,9	197,7	233,4	217,9	52,4	242,6	225,4	183,9
NII Growth YoY	−4%	+26%	−19%	+4%	+18%	—	—	—	—
NIM	2,19%	2,23%	2,27%	2,38%	2,44%	2,33%	—	—	—
Net Fee Income	7,4	8,3	9,0	11,1	9,2	8,3	7,8	9,8	7,6
Provision Expense	24,7	33,0	10,9	39,3	66,2	52,4	90,1	21,9	6,8
Net Profit After Tax	73,5	−87,7	68,8	58,6	81,8	−92,9	39,1	69,5	63,4
Net Income Growth YoY	−10%	−6%	+76%	−16%	+29%	—	—	—	—

Drivers of SGB's profit

TTM

Net profit attributable to parent increased vs last year, mainly helped by lower provision for credit losses. Supporting and offsetting drivers:

Provision for credit losses −VND 122.7bn

Corporate income tax −VND 4.5bn

Net fee income +VND 0.7bn

Other income −VND 62.7bn

Net interest income −VND 31.3bn

Operating expenses +VND 26.6bn

TTM

Net profit attributable to parent declined vs prior quarter, mainly due to lower other income. Supporting and offsetting drivers:

Provision for credit losses −VND 41.5bn

Corporate income tax −VND 1.6bn

Other income −VND 43.2bn

Net interest income −VND 7.9bn

Net fee income −VND 1.8bn

FX & gold trading −VND 1.3bn

Financial Highlights

Detailed analysis of each financial dimension

Is credit clean?

very positive positive stable watch under pressure

Credit Quality

Is asset quality deteriorating?

Direct credit reading is still incomplete, but funding balance has tightened with LDR rising to 86.3%.

Reserve buffer on gross loans is around 1.03%. LDR stands at 86.3%.

Credit reading currently relies mainly on credit cost and reserve buffer; NPL, group-2, and bad-debt coverage signals will be added next.

Key signals

Credit cost 0.33% −0.1pp

Reserve / Gross loans 1.03% −0.0pp

LDR 86.3% +3.7pp

2026Q1

Is interest margin sustainable?

Interest Margin Quality

Is spread coming under pressure?

Spread is under pressure from funding costs, with funding cost at 4.81%. More broadly, spread conditions are becoming less favorable, mainly because asset yields are weakening.

In the period, NIM reached 2.19%, −0.2pp YoY; asset yield was 7.00%, −0.2pp; while funding cost was 4.81%, +0.1pp. This suggests spread has become less favorable mainly because asset yields softened, while the mild rise in funding cost is not yet enough to call it a strong two-sided compression episode.

Watchpoints

Spread compression in progress

Spread is under pressure mainly because asset yields are softening.

NIM is in a low zone

NIM stands at 2.19%, leaving less room on spread.

Key signals

NIM 2.19% −0.2pp

Asset yield 7.00% −0.2pp

Funding cost 4.81% +0.1pp

2026Q1

Earnings Mix

Is profit coming from core or supporting income sources?

Earnings mix should be watched more closely, with non-core income at 17.5% of total operating income.

Nii accounts for 76.6% of toi, fee income is 3.9% of toi, other income is 17.5% of toi, cir stands at 74.1%, net profit equals 12.3% of toi.

Watchpoints

Non-core income is elevated

Non-core income currently accounts for 17.5% of total operating income.

CIR is elevated

CIR stands at 74.1%, suggesting cost discipline still needs work.

Key signals

NII / TOI 76.6% +3.4pp

Fee / TOI 3.9% +0.0pp

Other income / TOI 17.5% −3.4pp

CIR 74.1% +4.2pp

2026Q1

Is liquidity safe?

Funding & Liquidity

Are funding and capital buffers sufficiently safe?

Funding and liquidity look comfortable, with customer funding accounting for 82.8% of interest-bearing funding.

Ldr stands at 86.3%, equity equals 12.0% of assets, customer funding accounts for 82.8% of interest-bearing funding, market funding accounts for 17.2%.

Key signals

LDR 86.3% +3.7pp

Equity / Assets 12.0% +0.2pp

Customer funding 82.8% −3.5pp

Market funding 17.2% +3.5pp

2026Q1

Profitability Quality

What is sustaining current profitability?

Profitability should be watched more closely, with ROAA at 0.33% and ROAE at 2.68%.

Net income on average earning assets is 0.35%, nim stands at 2.19%, credit cost is 0.33%, cir stands at 74.1%, average leverage is around 8.18 times.

Watchpoints

ROAA is low

ROAA stands at 0.33%, suggesting returns on assets are still soft.

ROAE should be watched

ROAE currently stands at 2.68%.

Key signals

ROAA 0.33% −0.0pp

ROAE 2.68% −0.3pp

NI / Avg EA 0.35% −0.0pp

Quarterly provision VND 25bn −25.2% QoQ

2026Q1

Investment Takeaway

SGB bank investment takeaway — spread compression. [Placeholder for EN translation.]

[Placeholder for EN evidence line 1.]

[Placeholder for EN evidence line 2.]

[Placeholder for EN conclusion.]

Statement Data

Item	2025	2024
Interest Income and Similar Income	2,211.9	2,175.1
Interest Expense and Similar Expenses	1,497.1	1,470.9
Net Interest Income	714.9	704.3
Fee and Commission Income	69.2	65.1
Fee and Commission Expenses	31.6	31.6
Net Fee and Commission Income	37.6	33.5
Net Gain/(Loss) from Foreign Currencies and Gold Trading	19.4	19.2
Other Income	222.4	157.4
Other Expenses	17.3	13.5
Net Other Income	205.1	143.9
Income from Capital Contribution and Long-term Investments	6.6	—
Operating Expenses	683.6	630.4
Operating Profit before Provision for Credit Losses	299.9	270.5
Provision for Credit Losses	149.3	171.1
Profit Before Tax	150.7	99.3
Current Corporate Income Tax Expense	29.1	20.2
Corporate Income Tax	29.1	20.2
Net Profit After Tax	121.5	79.2
Net Profit Attributable to the Equity Holders of the Bank	121.5	79.2
Earnings per Share	337.00	234.00

Item	2025	2024
Cash, Gold and Precious Stones	173.3	188.1
Balances with the State Bank of Vietnam	1,403.0	715.8
Placements at and Loans to Other Credit Institutions	7,797.3	5,086.6
Placements at Other Credit Institutions	7,447.3	4,426.6
Loans to Other Credit Institutions	350.0	660.0
Derivatives and Other Financial Assets	—	0.7
Loans, Advances and Finance Leases to Customers	21,736.6	21,623.9
Loans, Advances and Finance Leases to Customers (Gross)	21,972.8	21,834.5
Provision for Losses on Loans, Advances and Finance Leases to Customers	-236.2	-210.7
Investment Securities	2,278.1	3,573.3
Held-to-maturity Securities	2,336.5	3,645.7
Provision for Diminution in Value of Investment Securities	-58.3	-72.4
Capital Contribution and Other Long-term Investments	28.5	28.9
Other Long-term Investments	53.4	53.4
Provision for Diminution in Value of Long-term Investments	-24.9	-24.4
Fixed Assets	1,039.9	1,083.7
Tangible Fixed Assets	614.1	655.7
Tangible Fixed Assets Cost	1,399.9	1,377.2
Accumulated Depreciation of Tangible Fixed Assets	-785.8	-721.5
Intangible Fixed Assets	425.8	428.0
Intangible Fixed Assets Cost	542.0	536.5
Accumulated Depreciation of Intangible Fixed Assets	-116.3	-108.5
Other Assets	920.4	959.3
Accounts Receivables	233.0	155.3
Interest and Fee Receivables	235.2	356.6
Other Assets (Miscellaneous)	466.8	462.0
Provision for Risks in Other Assets	-14.6	-14.6
Total Assets	35,377.0	33,260.4
Placements and Borrowings from Other Credit Institutions	4,181.9	4,228.0
Placements from Other Credit Institutions	4,181.1	4,227.0
Borrowings from Other Credit Institutions	0.8	1.0
Deposits from Customers	26,326.6	24,413.1
Other Liabilities	674.4	529.4
Interest and Fee Payables	494.8	361.1
Other Liabilities (Miscellaneous)	179.5	168.3
Total Liabilities	31,182.9	29,170.6
Capital and Reserves	4,194.1	4,089.8
Capital	3,388.7	3,388.7
Charter Capital	3,388.0	3,388.0
Share Premium	0.7	0.7
Reserves	426.5	410.7
Undistributed Earnings after Tax/Accumulated Loss	378.9	290.5
Total Liabilities and Equity	35,377.0	33,260.4

Item	2025	2024
Receipts from Interest and Similar Income	2,333.3	2,298.6
Payments for Interest and Similar Expenses	-1,363.3	-1,702.8
Receipts from Fee and Commission Income	37.6	33.5
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	19.4	19.2
Receipts from Other Income	10.3	17.4
Receipts from Collection of Written-off Debts	194.7	126.5
Payments for Staff Costs and Operating Expenses	-610.2	-563.1
Corporate Income Tax Paid	-20.3	-45.4
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	601.5	183.7
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	310.0	-250.0
(Increase)/Decrease in Trading Securities and Investment Securities	1,295.6	-2,350.5
(Increase)/Decrease in Derivatives and Other Financial Assets	0.7	-0.7
(Increase)/Decrease in Loans and Advances to Customers	-138.2	-1,867.2
(Decrease)/Increase in Provisions for Damages	-137.9	-122.9
(Increase)/Decrease in Other Operating Assets	-68.3	45.0
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	-46.1	1,177.1
Increase/(Decrease) in Deposits from Customers	1,913.5	856.3
Increase/(Decrease) in Other Operating Liabilities	-14.9	-95.6
Net Cash Flows from Operating Activities	3,715.9	-2,424.8
Purchase of Fixed Assets	-29.5	-52.4
Receipts from Disposal of Fixed Assets	0.1	0.0
Dividends and Profit Received	6.6	—
Net Cash Flows from Investing Activities	-22.9	-52.3
Net Cash Flows during the Period	3,693.0	-2,477.1
Cash and Cash Equivalents at Beginning of the Period	5,330.5	7,807.6
Cash and Cash Equivalents at End of the Period	9,023.5	5,330.5

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Interest Income and Similar Income	578.0	586.4	538.1	556.9	530.5	534.9	558.0	547.9	534.4
Interest Expense and Similar Expenses	368.1	520.5	340.5	323.5	312.6	482.5	315.4	322.5	350.5
Net Interest Income	209.9	65.9	197.7	233.4	217.9	52.4	242.6	225.4	183.9
Fee and Commission Income	16.9	17.6	17.5	17.5	16.6	17.5	16.2	17.1	14.3
Fee and Commission Expenses	9.5	9.3	8.5	6.4	7.4	9.2	8.4	7.2	6.7
Net Fee and Commission Income	7.4	8.3	9.0	11.1	9.2	8.3	7.8	9.8	7.6
Net Gain/(Loss) from Foreign Currencies and Gold Trading	3.2	6.0	4.7	4.2	4.5	9.5	1.1	4.5	4.0
Other Income	70.0	41.4	48.1	20.5	112.5	52.7	47.2	25.7	31.8
Other Expenses	4.1	5.4	4.1	4.4	3.4	4.1	2.9	3.1	3.4
Net Other Income	65.9	35.9	44.0	16.1	109.1	48.6	44.3	22.6	28.4
Income from Capital Contribution and Long-term Investments	3.3	2.8	—	3.8	—	—	—	—	—
Operating Expenses	176.9	193.4	161.0	152.9	176.3	180.1	158.9	142.3	149.1
Operating Profit before Provision for Credit Losses	112.9	-74.4	94.3	115.6	164.3	-61.2	136.9	120.1	74.8
Provision for Credit Losses	24.7	33.0	10.9	39.3	66.2	52.4	90.1	21.9	6.8
Profit Before Tax	88.2	-107.3	83.5	76.4	98.2	-113.6	46.8	98.2	68.0
Current Corporate Income Tax Expense	14.7	-19.6	14.6	17.8	16.3	-20.7	7.7	28.7	4.6
Corporate Income Tax	14.7	-19.6	14.6	17.8	16.3	-20.7	7.7	28.7	4.6
Net Profit After Tax	73.5	-87.7	68.8	58.6	81.8	-92.9	39.1	69.5	63.4
Net Profit Attributable to the Equity Holders of the Bank	73.5	-87.7	68.8	58.6	81.8	-92.9	39.1	69.5	63.4
Earnings per Share	204.00	—	—	—	242.00	—	—	—	206.00

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Cash, Gold and Precious Stones	234.8	173.3	209.4	197.0	179.9	188.1	213.7	180.1	218.7
Balances with the State Bank of Vietnam	768.5	1,403.0	909.8	1,263.6	1,238.7	715.8	1,892.6	438.1	674.8
Placements at and Loans to Other Credit Institutions	8,437.3	7,797.3	9,208.4	9,048.0	7,616.6	5,086.6	6,163.3	6,607.3	5,088.4
Placements at Other Credit Institutions	7,662.3	7,447.3	9,208.4	8,848.0	7,031.6	4,426.6	5,883.3	5,982.3	5,088.4
Loans to Other Credit Institutions	775.0	350.0	—	200.0	585.0	660.0	280.0	625.0	—
Derivatives and Other Financial Assets	—	—	—	—	—	0.7	—	—	—
Loans, Advances and Finance Leases to Customers	21,877.6	21,736.6	20,295.6	20,050.4	20,683.7	21,623.9	20,212.6	20,121.2	19,556.6
Loans, Advances and Finance Leases to Customers (Gross)	22,105.9	21,972.8	20,505.4	20,261.0	20,900.4	21,834.5	20,407.0	20,319.6	19,739.6
Provision for Losses on Loans, Advances and Finance Leases to Customers	-228.3	-236.2	-209.8	-210.6	-216.7	-210.7	-194.4	-198.4	-183.0
Investment Securities	2,257.3	2,278.1	2,048.0	2,456.9	1,711.7	3,573.3	1,006.8	2,707.4	4,022.6
Held-to-maturity Securities	2,308.1	2,336.5	2,108.7	2,521.5	1,840.6	3,645.7	1,073.9	2,764.6	4,078.3
Provision for Diminution in Value of Investment Securities	-50.8	-58.3	-60.7	-64.6	-128.9	-72.4	-67.2	-57.2	-55.7
Capital Contribution and Other Long-term Investments	28.5	28.5	28.9	28.9	28.9	28.9	24.2	24.2	24.2
Other Long-term Investments	53.4	53.4	53.4	53.4	53.4	53.4	53.4	53.4	53.4
Provision for Diminution in Value of Long-term Investments	-24.9	-24.9	-24.4	-24.4	-24.4	-24.4	-29.2	-29.2	-29.2
Fixed Assets	1,023.4	1,039.9	1,057.5	1,073.5	1,076.8	1,083.7	1,103.8	1,091.7	1,089.6
Tangible Fixed Assets	598.9	614.1	629.6	643.6	648.6	655.7	673.7	660.9	657.1
Tangible Fixed Assets Cost	1,400.6	—	—	—	—	—	—	—	—
Accumulated Depreciation of Tangible Fixed Assets	-801.7	—	—	—	—	—	—	—	—
Intangible Fixed Assets	424.5	425.8	427.9	430.0	428.2	428.0	430.1	430.8	432.5
Intangible Fixed Assets Cost	542.9	—	—	—	—	—	—	—	—
Accumulated Depreciation of Intangible Fixed Assets	-118.4	—	—	—	—	—	—	—	—
Other Assets	877.5	920.4	1,112.6	1,022.5	970.0	959.3	1,149.5	1,242.6	1,188.6
Accounts Receivables	183.6	233.0	179.7	154.2	143.9	155.3	174.9	272.6	224.4
Interest and Fee Receivables	239.9	235.2	484.6	419.5	377.6	356.6	522.0	522.1	516.5
Other Assets (Miscellaneous)	468.6	466.8	462.9	463.4	463.1	462.0	467.2	462.5	462.2
Provision for Risks in Other Assets	-14.6	-14.6	-14.6	-14.6	-14.6	-14.6	-14.5	-14.5	-14.5
Total Assets	35,505.0	35,377.0	34,870.2	35,140.7	33,506.3	33,260.4	31,766.4	32,412.7	31,863.5
Due to Government and Borrowings from the State Bank of Vietnam	7.0	—	0.0	—	0.0	—	—	—	—
Placements and Borrowings from Other Credit Institutions	5,265.5	4,181.9	4,001.1	4,719.3	4,234.8	4,228.0	3,608.7	4,061.5	3,557.2
Placements from Other Credit Institutions	5,264.7	4,181.1	4,000.2	4,718.3	4,233.8	4,227.0	3,607.7	4,060.3	3,556.0
Borrowings from Other Credit Institutions	0.8	0.8	0.8	1.0	1.0	1.0	1.0	1.2	1.2
Deposits from Customers	25,348.7	26,326.6	25,943.4	25,595.2	24,539.6	24,413.1	23,441.2	23,513.9	23,512.5
Other Liabilities	616.4	674.4	639.3	592.2	559.4	529.4	532.7	629.7	658.6
Interest and Fee Payables	501.5	494.8	457.6	412.7	363.0	361.1	342.8	433.1	531.0
Other Liabilities (Miscellaneous)	114.9	179.5	181.7	179.5	196.4	168.3	189.8	196.5	127.5
Total Liabilities	31,237.6	31,182.9	30,583.8	30,906.7	29,333.9	29,170.6	27,582.6	28,205.1	27,728.2
Capital and Reserves	4,267.4	4,194.1	4,286.4	4,234.0	4,172.4	4,089.8	4,183.9	4,207.6	4,135.2
Capital	3,608.9	3,388.7	3,388.7	3,388.7	3,388.7	3,388.7	3,388.7	3,388.7	3,080.7
Charter Capital	3,608.2	3,388.0	3,388.0	3,388.0	3,388.0	3,388.0	3,388.0	3,388.0	3,080.0
Share Premium	0.7	0.7	0.7	0.7	0.7	0.7	0.7	0.7	0.7
Reserves	426.5	426.5	426.5	426.5	410.7	410.7	410.7	410.7	370.6
Foreign Exchange Differences	-0.3	—	4.5	3.8	0.8	—	1.2	5.5	2.7
Undistributed Earnings after Tax/Accumulated Loss	232.2	378.9	466.6	415.0	372.3	290.5	383.4	402.7	681.2
Total Liabilities and Equity	35,505.0	35,377.0	34,870.2	35,140.7	33,506.3	33,260.4	31,766.4	32,412.7	31,863.5

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Receipts from Interest and Similar Income	573.3	835.8	473.0	515.0	509.4	700.3	558.1	542.3	497.9
Payments for Interest and Similar Expenses	-361.4	-483.2	-295.7	-273.8	-310.7	-464.2	-405.7	-420.3	-412.5
Receipts from Fee and Commission Income	7.4	8.3	9.0	11.1	9.2	8.3	7.8	9.8	7.6
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	3.2	6.0	4.7	4.2	4.5	9.5	1.1	4.5	4.0
Receipts from Other Income	3.2	1.9	2.5	2.8	3.2	6.8	2.8	4.6	3.1
Receipts from Collection of Written-off Debts	62.7	34.0	41.5	13.3	106.0	41.8	41.5	18.0	25.3
Payments for Staff Costs and Operating Expenses	-158.8	-175.2	-142.1	-134.6	-158.4	-157.4	-146.7	-126.0	-133.0
Corporate Income Tax Paid	-28.5	-0.1	-0.2	-0.3	-19.6	-0.1	-0.1	-0.3	-44.9
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	101.1	227.6	92.7	137.8	143.5	144.9	58.7	32.7	-52.5
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	-425.0	-350.0	200.0	385.0	75.0	-380.0	345.0	-625.0	410.0
(Increase)/Decrease in Trading Securities and Investment Securities	20.8	-229.7	408.9	-745.2	1,861.6	-2,571.3	1,700.6	1,315.2	-2,795.0
(Increase)/Decrease in Derivatives and Other Financial Assets	—	0.0	0.0	0.0	0.7	-0.7	—	—	—
(Increase)/Decrease in Loans and Advances to Customers	-133.2	-1,467.4	-244.4	639.4	934.2	-1,427.5	-87.5	-579.9	227.7
(Decrease)/Increase in Provisions for Damages	-40.1	-72.4	47.8	-109.7	-3.6	-30.9	-81.7	-7.4	-2.9
(Increase)/Decrease in Other Operating Assets	55.1	8.9	-84.8	62.3	-54.8	19.6	80.6	-40.8	-14.5
Increase/(Decrease) in Due to Government and Borrowings from State Bank	7.0	—	-0.0	—	0.0	—	—	—	—
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	1,083.6	180.8	-718.2	484.5	6.8	619.3	-452.8	504.3	506.2
Increase/(Decrease) in Deposits from Customers	-977.9	383.2	348.2	1,055.6	126.5	971.9	-72.7	1.4	-44.3
Increase/(Decrease) in Other Operating Liabilities	-50.9	17.6	-29.4	-34.5	31.3	-0.6	-72.8	40.6	-62.9
Net Cash Flows from Operating Activities	-359.4	-1,301.5	20.9	1,875.2	3,121.3	-2,655.3	1,417.6	641.2	-1,828.2
Purchase of Fixed Assets	-1.6	-0.9	-2.5	-23.7	-2.4	-2.6	-24.2	-25.4	-0.3
Receipts from Disposal of Fixed Assets	—	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Dividends and Profit Received	3.3	2.8	0.0	3.8	—	—	—	—	—
Net Cash Flows from Investing Activities	1.7	1.9	-2.5	-19.9	-2.4	-2.6	-24.2	-25.4	-0.2
Net Cash Flows during the Period	-357.6	-1,299.5	18.4	1,855.2	3,118.9	-2,657.9	1,393.4	615.8	-1,828.5
Cash and Cash Equivalents at Beginning of the Period	9,023.5	10,327.6	10,308.5	8,450.2	5,330.5	7,989.6	6,600.6	5,981.9	7,807.6
Exchange Difference due to Re-valuation of Ending Balances	-0.3	—	4.5	3.8	0.8	—	1.2	5.5	2.7
Cash and Cash Equivalents at End of the Period	8,665.6	9,023.5	10,327.6	10,308.5	8,450.2	5,330.5	7,989.6	6,600.6	5,981.9

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