HOSE:MSB Balance Sheet

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
Cash & Equivalents	60,706,464	55,453,074	52,324,338	30,757,191	21,433,292
Investment Securities	97,294,508	65,581,886	37,890,409	31,544,778	48,236,169
Trading Asset Securities	-	-	-	468,019	23,487
Total Investments	97,294,508	65,581,886	37,890,409	32,012,797	48,259,656
Gross Loans	219,929,874	183,179,615	158,910,371	130,523,502	115,095,351
Allowance for Loan Losses	-2,850,595	-3,026,070	-2,362,747	-1,430,921	-1,686,808
Net Loans	217,079,279	180,153,545	156,547,624	129,092,581	113,408,543
Property, Plant & Equipment	1,031,303	504,383	373,889	269,425	245,158
Goodwill	-	5,142	15,124	25,106	35,088
Other Intangible Assets	209,606	200,307	200,203	229,543	177,828
Accrued Interest Receivable	10,202,761	4,897,832	5,065,400	2,808,476	2,769,866
Other Receivables	10,655,284	5,784,807	6,664,579	7,904,840	7,724,224
Restricted Cash	9,819,956	5,494,784	4,589,199	3,689,730	3,056,674
Other Current Assets	-	2,013,599	2,217,006	3,662,109	2,739,236
Long-Term Deferred Tax Assets	-	-	-	50	61
Other Real Estate Owned & Foreclosed	-	58,730	1,115,496	2,164,447	3,729,761
Other Long-Term Assets	674,780	-	2,571	159,563	86,036
Total Assets	407,673,941	320,148,089	267,005,838	212,775,858	203,665,423
Accrued Expenses	231,505	752,454	920,416	834,333	879,967
Interest Bearing Deposits	191,251,506	161,703,979	140,225,172	98,353,705	88,264,954
Non-Interest Bearing Deposits	84,577,430	52,678,141	46,610,243	48,106,939	40,430,404
Total Deposits	275,828,936	214,382,120	186,835,415	146,460,644	128,695,358
Short-Term Borrowings	433,514	730,128	263,356	-	76,833
Current Portion of Long-Term Debt	9,400,000	-	-	-	-
Current Income Taxes Payable	1,079,916	765,211	607,130	821,224	224,962
Accrued Interest Payable	4,341,024	2,831,095	3,813,157	2,253,470	1,605,625
Other Current Liabilities	-	6,408	6,409	6,413	6,413
Long-Term Debt	72,753,604	62,833,911	41,072,178	33,648,369	48,016,457
Other Long-Term Liabilities	1,159,384	1,029,205	2,189,565	2,097,407	2,122,023
Total Liabilities	365,227,883	283,330,532	235,707,626	186,121,860	181,627,638
Common Stock	31,200,000	26,000,000	20,000,000	19,857,500	15,275,000
Additional Paid-In Capital	33,460	33,460	33,460	33,460	491,710
Retained Earnings	11,211,990	10,783,489	11,264,144	6,762,430	6,270,467
Comprehensive Income & Other	608	608	608	608	608
Shareholders' Equity	42,446,058	36,817,557	31,298,212	26,653,998	22,037,785
Total Liabilities & Equity	407,673,941	320,148,089	267,005,838	212,775,858	203,665,423
Total Debt	82,587,118	63,564,039	41,335,534	33,648,369	48,093,290
Net Cash (Debt)	-21,880,654	-8,110,965	10,988,804	-2,423,159	-26,636,511
Net Cash Per Share	-7013.03	-2599.67	3522.05	-781.77	-8753.77
Filing Date Shares Outstanding	3,120	3,120	3,120	3,120	3,098
Total Common Shares Outstanding	3,120	3,120	3,120	3,120	3,098
Book Value Per Share	13604.51	11800.50	10031.48	8542.95	7114.08
Tangible Book Value	42,236,452	36,612,108	31,082,885	26,399,349	21,824,869
Tangible Book Value Per Share	13537.32	11734.65	9962.46	8461.33	7045.35

Source: S&P Global Market Intelligence. Banks template. Financial Sources.