2025: MSB’s Credit Growth Reaches 15.8%, Total Assets Increase Over 27%, CASA Improves Remarkably

As of December 31, 2025, MSB’s total assets approached VND 408 trillion, a 27.3% increase driven by a credit growth of 15.8%, with customer loans exceeding VND 205 trillion. Customer deposits neared VND 197 trillion, up 27.2%, ensuring strong liquidity. MSB maintained a solid capital position with a CAR of 12.5% and a non-performing loan ratio of 1.82%. Notably, the ratio of non-term deposits (CASA) reached nearly 29%, up from 26.4%, optimizing operational costs. Digital banking and the MSBPay product spurred revenue growth, with net interest income nearing VND 11 trillion and pre-tax profit at VND 7.058 trillion. ROA and ROE stood at 1.59% and 14.04%, respectively, reflecting operational efficiency. MSB’s credit rating was upgraded by Moody’s, enhancing its reputation with partners and funding.