According to the financial report released on 30/7, MSB's total assets reached nearly 441,000 billion VND, marking an 8.17% increase from the end of 2025 and a 29.2% rise compared to the same period last year.

The bank's total outstanding customer loans reached over 224,196 billion VND for the parent bank and more than 230,420 billion VND on a consolidated basis, representing a 12.9% increase year-on-year. Corporate loans accounted for 157,548 billion VND, while individual customer loans stood at 66,647 billion VND. MSB's credit capital flow primarily targeted production, business, and priority sectors aligned with the State Bank of Vietnam's guidelines.

MSB maintained stable growth in the first 6 months of the year. Photo: MSB

On the funding side, consolidated customer deposits exceeded 204,674 billion VND. Time deposits grew by 12.6% compared to the end of 2025 and 23.2% year-on-year, strengthening the capital base for credit growth. Current account savings accounts (CASA) reached over 47,280 billion VND. The bank attributed its stable CASA growth to products like "Sinh loi khong ngung" (Continuous Profit), "Sinh loi tu dong" (Automatic Profit), and cash flow management solutions for individual and corporate clients.

In terms of income structure, MSB's total operating income (TOI) for the first six months surpassed 7,044 billion VND. Net interest income (NII) reached nearly 6,199 billion VND, a 21.8% increase year-on-year, remaining the main contributor to revenue.

The bank attributed these positive results to consistent credit growth, proactive management of its asset and capital structure, and adaptable responses to market interest rate fluctuations. While the net interest margin (NIM) slightly decreased to 3.17% due to industry-wide pressures, the cost-to-income ratio (CIR) improved from approximately 37.4% to 36.6%, indicating efficient cost control and optimized operations.

Regarding asset quality, MSB's standalone non-performing loan (NPL) ratio stood at 1.64% by the end of June, with the consolidated NPL ratio at 1.83%. The bank stated its commitment to ongoing appraisal, post-disbursement monitoring, and early risk identification to ensure credit quality control.

MSB's liquidity indicators remained within safe thresholds. The loan-to-deposit ratio (LDR) was 66.76%, while the ratio of short-term funds used for medium- and long-term loans was 26.89%. These robust metrics enable MSB to maintain resilience against market volatility and proactively deploy resources to support customers and execute its business plan for the second half of the year.

MSB's performance in the first half of the year reflects a balanced approach to growth, core revenue strengthening, and maintaining key safety indicators. This provides a solid foundation for implementing its business plan in the second half of the year. A bank representative shared, "Amidst a market with many unpredictable factors, MSB continues to prioritize quality and efficient growth, while maintaining stability, enhancing adaptability to market changes, and building a foundation for long-term sustainable growth."

Minh Ngoc