According to the approved plan, MSB will issue a maximum of 624 million shares to pay a 20% dividend to existing shareholders. The issuance will be funded by undistributed after-tax profit and the charter capital supplementary reserve fund as stipulated. All newly issued shares will not be restricted from transfer. Upon completion, the bank's charter capital will increase from 31,200 billion dong to a maximum of 37,440 billion dong.

An MSB representative stated that the capital increase aims to enhance financial capacity, supplement the capital buffer, and meet risk management requirements according to international standards. The new capital is expected to be used for several key initiatives: expanding medium and long-term credit activities, investing in technology infrastructure, digital transformation, artificial intelligence (AI), developing the financial ecosystem, and implementing growth plans.

MSB's business results have consistently remained positive in recent years. Photo: MSB

The approval for the capital increase comes as MSB maintains positive business results and financial indicators. In 2025, the bank recorded a pre-tax profit of over 7,058 billion dong, its highest since establishment. Consolidated total assets reached nearly 408,000 billion dong, an increase of more than 27% compared to the beginning of the year; credit growth reached 15,8% within the limit allocated by the State Bank. The current account savings account (CASA) ratio reached nearly 29%.

This growth momentum continued in the first half of 2026. Consolidated pre-tax profit for the first six months reached over 3,400 billion dong, an increase of nearly 8% year-on-year. Total assets reached over 440,000 billion dong.

Operational efficiency and risk management indicators were also controlled and positively improved. As of the end of June, the individual non-performing loan (NPL) ratio under Circular 31 was controlled at 1,64%, while the consolidated NPL ratio was 1,83%. The loan-to-deposit ratio (LDR) reached 66,76%, and the ratio of short-term capital used for medium and long-term loans was 26,89%, both within regulatory limits.

With strengthened capital, a positive business foundation, controlled asset quality, and a sustainable development orientation, MSB expects to further enhance its competitiveness, increase shareholder value, and effectively support customers, businesses, and the economy.

Minh Ngoc