Vietnam Maritime Commercial Joint Stock Bank (HOSE:MSB)
Vietnam · Delayed Price · Currency is VND 11,850
-150 (-1.25%)
At close: Feb 9, 2026
HOSE:MSB Income Statement
Financials in millions VND. Fiscal year is January - December.
Millions VND. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Income on Loans | 21,601,251 | 18,681,257 | 18,951,085 | 13,252,114 | 10,338,591 |
Interest Paid on Deposits | 10,653,757 | 8,438,193 | 9,762,570 | 4,930,323 | 4,122,347 |
Net Interest Income | 10,947,494 | 10,243,064 | 9,188,515 | 8,321,791 | 6,216,244 |
Net Interest Income Growth (YoY) | 6.88% | 11.48% | 10.42% | 33.87% | 28.90% |
Income From Trading Activities | -74 | -478 | -12,705 | -2,028 | 2,031 |
Gain (Loss) on Sale of Investments | -76,632 | 273,491 | 511,812 | 683,122 | 349,636 |
Other Non-Interest Income | 3,173,706 | 3,702,163 | 2,571,365 | 1,690,789 | 4,020,331 |
Total Non-Interest Income | 3,097,000 | 3,975,176 | 3,070,472 | 2,371,883 | 4,371,998 |
Non-Interest Income Growth (YoY) | -22.09% | 29.47% | 29.45% | -45.75% | 85.25% |
Revenues Before Loan Losses | 14,044,494 | 14,218,240 | 12,258,987 | 10,693,674 | 10,588,242 |
Provision for Loan Losses | 1,918,417 | 2,084,463 | 1,616,746 | 478,507 | 1,567,866 |
| 12,126,077 | 12,133,777 | 10,642,241 | 10,215,167 | 9,020,376 | |
Revenue Growth (YoY) | -0.06% | 14.02% | 4.18% | 13.25% | 47.65% |
Salaries and Employee Benefits | 2,341,676 | 2,901,850 | 2,838,027 | 2,647,866 | 2,397,659 |
Occupancy Expenses | 1,046,496 | 753,433 | 591,356 | 520,188 | 466,361 |
Federal Deposit Insurance | 125,603 | 109,952 | 95,736 | 66,303 | 67,159 |
Selling, General & Administrative | 1,469,698 | 1,317,058 | 1,150,713 | 1,055,338 | 877,583 |
Other Non-Interest Expense | 84,230 | 147,642 | 136,499 | 138,269 | 123,151 |
Total Non-Interest Expense | 5,067,703 | 5,229,935 | 4,812,331 | 4,427,964 | 3,931,913 |
EBT Excluding Unusual Items | 7,058,374 | 6,903,842 | 5,829,910 | 5,787,203 | 5,088,463 |
Pretax Income | 7,058,374 | 6,903,842 | 5,829,910 | 5,787,203 | 5,088,463 |
Income Tax Expense | 1,429,854 | 1,384,465 | 1,185,696 | 1,170,990 | 1,053,723 |
Net Income | 5,628,520 | 5,519,377 | 4,644,214 | 4,616,213 | 4,034,740 |
Preferred Dividends & Other Adjustments | - | - | - | 142,500 | - |
Net Income to Common | 5,628,520 | 5,519,377 | 4,644,214 | 4,473,713 | 4,034,740 |
Net Income Growth | 1.98% | 18.84% | 0.61% | 14.41% | 100.62% |
Basic Shares Outstanding | 3,120 | 3,120 | 3,120 | 3,100 | 3,043 |
Diluted Shares Outstanding | 3,120 | 3,120 | 3,120 | 3,100 | 3,043 |
Shares Change (YoY) | - | - | 0.66% | 1.86% | 7.42% |
EPS (Basic) | 1804.01 | 1769.03 | 1488.53 | 1443.32 | 1325.97 |
EPS (Diluted) | 1804.01 | 1769.03 | 1488.53 | 1443.32 | 1325.97 |
EPS Growth | 1.98% | 18.84% | 3.13% | 8.85% | 86.77% |
Effective Tax Rate | 20.26% | 20.05% | 20.34% | 20.23% | 20.71% |
Source: S&P Global Market Intelligence. Banks template. Financial Sources.