MSB's loan growth was evenly distributed between individual and corporate customers, fluctuating around 13-14% compared to the end of 2024, according to the bank's business performance report. Outstanding loans to individuals reached over 52,140 billion VND, while corporate loans totaled 148,617 billion VND. For corporate clients, the bank prioritized lending to sectors such as healthcare, metal fabrication, transportation, and construction materials production, aligning with its business strategy.

This credit growth propelled MSB's total assets to nearly 341,332 billion VND, exceeding 97% of the annual plan, according to a bank representative.

MSB customers transact at the counter. Photo: MSB

MSB customers transact at the counter. Photo: MSB

Issuance of valuable papers increased by 28% compared to the end of 2024, reaching nearly 27,100 billion VND. Capital mobilization from customers also grew by 13%, reaching nearly 174,430 billion VND. Individual deposits accounted for 87,580 billion VND, while deposits from economic organizations amounted to approximately 86,850 billion VND, increasing by 11% and 15% respectively.

Demand deposits (CASA) reached over 46,700 billion VND, up from over 40,800 billion VND at the end of 2024, bringing the CASA ratio to 26.78%. According to an MSB representative, this result stems from the effectiveness of MSB's products and services, including account products, payment services, and high-yield investment products.

In terms of risk management, MSB maintained its individual non-performing loan ratio (according to Circular 31) at 1.86%, slightly lower than in Quarter I. Key safety indicators remained stable: the loan-to-deposit ratio (LDR) reached 73.91%; the ratio of short-term capital for medium and long-term loans was 26.57%; and the capital adequacy ratio (CAR) reached 12.28%.

The bank recorded stable business results in the first 6 months. Photo: MSB

The bank recorded stable business results in the first 6 months. Photo: MSB

Regarding operational results, total operating income (TOI) reached 6,793 billion VND. Net interest income reached nearly 5,089 billion VND, an 8% increase compared to the same period last year. Net interest margin (NIM) reached 3.45%, slightly decreasing compared to the previous quarter due to market interest rates remaining high in the early second quarter. However, it was still considered effective thanks to the balanced coordination between mobilized capital and loan portfolio structure.

Service income also reached over 909 billion VND, a 36% year-on-year increase. According to the bank, this increase primarily came from payments, treasury, trade finance, and digital banking services. This is a result of the bank’s ongoing service optimization and digital transformation in operations.

After the first 6 months, the bank's pre-tax profit reached nearly 3,173 billion VND.

"MSB does not pursue high growth at all costs, but prioritizes long-term sustainability, safety, and efficiency. In the second half of the year, the bank will continue to develop integrated financial products, promote green credit, enhance the quality of digital services, and expand cooperation within the value chain," an MSB representative said.

Minh Ngoc