Credit growth is the driving force for asset expansion.
As of September 30, MSB's total assets increased by 11% compared to the end of 2024. Customer lending activities continued to be the main driving factor when outstanding loans reached more than VND 204,950 billion, bringing credit growth to 15.1%.
Customer deposits reached nearly VND183,400 billion, up 19% compared to the beginning of the year. Of which, non-term deposits (CASA) reached more than VND51,000 billion, up 25% from the mark of more than VND40,800 billion at the end of 2024 and accounted for 27.83% of total mobilization.
The CASA ratio continued to increase for the fourth consecutive quarter, demonstrating MSB's efforts to enhance digital experiences and effectively exploit customer files through a chain of convenient products and services.
Term deposits increased by 16%, reaching nearly VND 132,360 billion, contributing to maintaining a stable and sustainable capital structure. In parallel, the issuance of valuable papers reached nearly VND 26,100 billion, an increase of 23% compared to the end of 2024, supporting MSB to diversify capital sources and optimize mobilization costs.
In the first 9 months of 2025, MSB's total operating income reached nearly VND10,200 billion, a slight increase over the same period last year. Of which, net interest income reached VND7,904 billion, an increase of 11%. Although deposit interest rates are quite high compared to previous years and MSB is balancing lending interest rates to support customers, the bank still maintained its net interest margin (NIM) for the last 12 months at 3.45%.
In addition, service income increased by 13%, reaching VND1,547 billion, recording even growth in the payment, treasury, trust and agency segments. Maintaining the momentum from previous quarters, this segment continues to be a positive contributor to the bank's non-credit income structure.
At the end of the 9 months, MSB's consolidated pre-tax profit reached VND4,760 billion. These results affirm MSB's sustainable growth momentum with the operating efficiency of core business segments being ensured to be stable and gradually optimized.
Regarding risk management and safety indicators, MSB's consolidated capital adequacy ratio (CAR) as of September 30 reached 12.18%; MSB's individual bad debt (NPL) was at 1.9%, lower than the threshold prescribed by the State Bank.
The loan-to-deposit ratio (LDR) decreased from 73.91% (Q2) to 71.31% (Q3), the ratio of short-term capital for medium- and long-term lending (MTLT) was controlled at 27.03%, ensuring safe and flexible liquidity.
Aiming to increase the scale of operations and create momentum for developing strategic projects, MSB has recently completed increasing capital to VND 31,200 billion through issuing shares at a rate of 20% to pay dividends.
This not only demonstrates the commitment to ensuring shareholders' rights but also marks a new development path of MSB with a larger scale and the potential to create breakthroughs. In recent years, MSB has been one of the banks paying dividends regularly with high dividend rates in the market.
In addition to stable financial results, MSB also received the "Asian Enterprise Excellence" and "Inspiring Brand" awards at the Asia Pacific Enterprise Awards (APEA) 2025, along with the "Bank with Outstanding Innovative Products and Services" award at the Vietnam Outstanding Banking Forum 2025 (VOBA 2025).
These awards are a clear demonstration of MSB's constant efforts in innovation, not only in products and services but also in strong branding strategies, aiming to reach the "mind, body and spirit" level, and positively inspire the community.
Mr. Nguyen Phi Hung - Deputy General Director of MSB - representative to receive the award "Excellent Asian Enterprise" (Photo: MSB).
Sustainable development - orientation for the next stage of growth
The first 9 months of 2025, especially the third quarter, marked many steps forward for MSB on its journey to sustainable development. The bank considers this not only to keep up with global trends, but also to have a long-term vision and mandatory compliance to ensure a balance between profit goals, social benefits and environmental protection.
In July, MSB announced the Sustainable Finance Framework, built according to international standards, helping MSB standardize the credit granting process, issue green/sustainable bonds and mobilize domestic and foreign green capital.
Along with that, MSB's joining the Alliance for Green Commercial Banks initiated by IFC marks an important milestone in the journey of integration with the global green finance trend.
Through this, the bank not only accesses international knowledge resources and technical support, but also contributes to spreading the sustainable financial model in the Vietnamese banking system.
Mr. Vo Tan Long - Chairman of MSB Sustainable Development Committee (4th from left, back row) at the launching event of the Green Commercial Banking Alliance in Hong Kong - China (Photo: MSB)
Sustainable development is also MSB’s long-term commitment to the community and shareholders. MSB said it is gradually building a “responsible banking” model, where all business activities are aimed at the common goal of economic growth associated with sustainable values.
Source: https://dantri.com.vn/kinh-doanh/msb-cong-bo-ket-qua-kinh-doanh-9-thang-dau-nam-2025-20251030161946803.htm
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