Regarding the financial situation, as of June 30, 2025, MSB's total outstanding customer loans reached over VND 200,700 billion, raising MSB's credit growth rate to 13.39%. This increase is higher than the 9.9% of the whole market and is consistent with the economic context showing signs of positive change and the lending interest rate level tends to decrease.
Customer loan growth is even between the two groups of individuals and businesses, fluctuating around 13-14% compared to the end of 2024. Of which, outstanding personal loans reached more than VND 52,140 billion and outstanding corporate loans reached nearly VND 148,617 billion. In the corporate sector, the key priority areas of the bank include pharmaceuticals , metal product manufacturing/processing, transportation, construction materials production, etc.
These results show that MSB continues to adhere to the direction of reasonable credit allocation according to industry and market developments.
Credit growth is the basis for MSB's total assets to increase steadily by 7% compared to December 31, 2024, reaching nearly VND 341,332 billion. Compared to the 2025 target approved at the Shareholders' Meeting last April for this index (VND 350,000 billion), the Bank has now completed over 97% of the plan.
The bank also balanced the expansion of lending scale with its ability to attract and manage capital sources. Issuance of valuable papers increased by 28% compared to the end of 2024 with nearly VND 27,100 billion. Capital mobilization from customers reached nearly VND 174,430 billion, up 13% compared to the beginning of the year.
Of which, deposits from individual customers reached VND 87,580 billion, up 11%; deposits from economic organizations reached approximately VND 86,850 billion, up 15%.
In particular, demand deposits recorded over VND 46,700 billion, up from over VND 40,800 billion at the end of 2024, bringing the CASA ratio to total deposits to 26.78%, demonstrating the value and effectiveness of the products and services that MSB brings to customers, including high-yield profitability, payment products and account packages for individual and corporate customers.
In terms of risk control and ensuring safety standards, MSB continues to maintain the individual bad debt ratio (according to Circular 31) at 1.86%, slightly down from 1.88% in the first quarter. Other capital adequacy ratios are also stable, such as the loan-to-deposit ratio (LDR) at 73.91%, the ratio of short-term capital to medium- and long-term loans (MTLT) at 26.57% and the capital adequacy ratio (CAR) at June 30, 2025 at 12.28%.
In terms of operating results, MSB's total operating income (TOI) in the first 6 months of the year reached VND6,793 billion. Of which, net interest income reached nearly VND5,089 billion, up 8% over the same period last year. Net interest margin (NIM) reached 3.45%, although slightly down compared to the previous quarter due to the high interest rate level in market 2 in the first half of the quarter, affecting capital costs; but still maintained in the effective zone thanks to the balanced coordination between mobilized capital and loan portfolio structure.
At the same time, service income contributed positively with high growth. In the first half of the year, net service income reached over VND909 billion, up 36% over the same period. This increase came from the development of services such as payment, treasury, trade finance, digital banking services... This is the result of MSB's continuous efforts to improve customer experience, optimize service chains and promote digital transformation in operations.
At the end of the first 6 months of the year, MSB's pre-tax profit reached nearly VND 3,173 billion, reflecting stability in core business activities.
Sharing about the results achieved, the bank representative said: “MSB's business results and key safety performance indicators were maintained stably in the first 6 months of 2025. We do not pursue high growth at all costs, but focus on sustainability, safety and long-term profitability. In the last 6 months of the year, MSB will continue to develop integrated financial products, promote green credit, improve the quality of digital services and expand cooperation in the value chain to create long-term competitive advantages.”
With a clear strategic orientation, a healthy financial structure and risk management capacity that has been proven through many stages, MSB is gradually perfecting a modern and effective banking model and accompanying the sustainable development of the economy.
Source: https://vietnamnet.vn/ngan-hang-msb-cong-bo-ket-qua-kinh-doanh-ban-nien-2427315.html
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