MSB has been upgraded by Moody’s, with a stable outlook for the next 12-18 months. The upgrade stems from the bank’s enhanced long-term debt repayment capacity, attributed to stable profit generation capability and improved capital size. The capital adequacy ratio (CAR) remains above 12%, exceeding the minimum requirement. Non-performing loans (NPL) stand at 1.9%, and the loan-to-deposit ratio (LDR) has decreased to 71.31%. Customer deposits rose by 19% compared to the end of 2024, with demand deposits reaching a high level. The credit rating upgrade strengthens MSB’s credibility in raising funds, increases access to reasonably priced capital, and expands relationships with international financial institutions. MSB representatives state that this is a recognition of their efforts to enhance financial capacity and their commitment to maintaining sustainable growth.
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