MSB reports profits of over 4.76 trillion VND in the first 9 months, strong increase in customer deposits

According to the Q3 financial report, as of September 30, 2025, MSB’s total assets increased by 11% compared to the end of 2024. The outstanding loans reached 204.95 trillion VND, with a credit growth of 15.1%. Customer deposits totaled nearly 183.4 trillion VND, up 19% from the beginning of the year, with demand deposits (CASA) reaching 51 trillion VND, an increase of 25%. MSB’s total operating income reached nearly 10.2 trillion VND, of which net interest income reached 7.904 trillion VND, growing by 11%. Pre-tax profit was 4.76 trillion VND. MSB maintained a consolidated capital adequacy ratio (CAR) of 12.18% and a bad debt ratio (NPL) of 1.9%. The loan-to-deposit ratio (LDR) decreased to 71.31%. MSB successfully raised its capital to 31.2 trillion VND through stock issuance, demonstrating commitment to shareholders and growth potential.