Vietnam Maritime Commercial Joint Stock Bank (HOSE: MSB)

MSB Balance Sheet

Financials in millions VND. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	49,149,221	52,324,338	30,757,191	21,433,292	16,934,995	20,825,715
Investment Securities	62,290,219	37,890,409	31,544,778	48,236,169	55,698,963	45,654,485
Trading Asset Securities	-	-	468,019	23,487	21,050	55,796
Total Investments	62,290,219	37,890,409	32,012,797	48,259,656	55,720,013	45,710,281
Gross Loans	178,926,830	158,910,371	130,523,502	115,095,351	81,587,991	65,729,978
Allowance for Loan Losses	-3,092,786	-2,362,747	-1,430,921	-1,686,808	-843,011	-998,967
Net Loans	175,834,044	156,547,624	129,092,581	113,408,543	80,744,980	64,731,011
Property, Plant & Equipment	448,930	373,889	269,425	245,158	127,909	161,256
Goodwill	7,651	15,124	25,106	35,088	45,071	55,054
Other Intangible Assets	212,343	200,203	229,543	177,828	180,842	169,258
Investments in Real Estate	-	-	-	-	1,032,510	1,059,826
Accrued Interest Receivable	4,157,179	5,065,400	2,808,476	2,769,866	2,640,237	4,028,547
Other Receivables	6,116,298	6,664,579	7,904,840	7,724,224	10,679,545	9,485,051
Restricted Cash	1,871,825	4,589,199	3,689,730	3,056,674	1,850,921	4,070,948
Other Current Assets	-	2,217,006	3,662,109	2,739,236	2,365,254	2,079,303
Long-Term Deferred Tax Assets	-	-	50	61	46	-
Other Real Estate Owned & Foreclosed	58,729	1,115,496	2,164,447	3,729,761	4,272,143	4,368,777
Other Long-Term Assets	554,350	2,571	159,563	86,036	103,159	232,919
Total Assets	300,700,789	267,005,838	212,775,858	203,665,423	176,697,625	156,977,946
Accrued Expenses	306,293	920,416	834,333	879,967	451,693	87,908
Interest Bearing Deposits	152,503,765	140,224,200	98,353,705	88,264,954	103,197,453	95,478,948
Non-Interest Bearing Deposits	46,213,190	46,610,243	48,106,939	40,430,404	6,760,023	4,605,251
Total Deposits	198,716,955	186,834,443	146,460,644	128,695,358	109,957,476	100,084,199
Short-Term Borrowings	337,623	263,356	-	76,833	52,030	7,416
Current Portion of Long-Term Debt	13,075,367	3,005,031	-	-	-	1,112,632
Current Income Taxes Payable	381,431	607,130	821,224	224,962	171,371	54,865
Accrued Interest Payable	2,840,061	3,813,157	2,253,470	1,605,625	1,577,833	2,127,704
Other Current Liabilities	-	6,409	6,413	6,413	4,221	4,221
Long-Term Debt	48,114,847	38,068,119	33,648,369	48,016,457	45,310,643	35,690,493
Long-Term Unearned Revenue	-	-	-	-	-	645,946
Other Long-Term Liabilities	1,695,621	2,189,565	2,097,407	2,122,023	2,297,539	2,299,041
Total Liabilities	265,468,198	235,707,626	186,121,860	181,627,638	159,822,806	142,114,425
Common Stock	20,000,000	20,000,000	19,857,500	15,275,000	11,750,000	11,750,000
Additional Paid-In Capital	33,460	33,460	33,460	491,710	400,000	400,000
Retained Earnings	15,166,545	11,264,144	6,762,430	6,270,467	5,764,866	3,753,568
Treasury Stock	-	-	-	-	-1,040,655	-1,040,655
Comprehensive Income & Other	32,586	608	608	608	608	608
Shareholders' Equity	35,232,591	31,298,212	26,653,998	22,037,785	16,874,819	14,863,521
Total Liabilities & Equity	300,700,789	267,005,838	212,775,858	203,665,423	176,697,625	156,977,946
Total Debt	61,527,837	41,336,506	33,648,369	48,093,290	45,362,673	36,810,541
Net Cash (Debt)	-12,378,616	10,987,832	-2,423,159	-26,636,511	-28,406,628	-15,929,030
Net Cash Per Share	-4761.01	4226.09	-938.12	-10504.52	-12033.51	-6747.80
Filing Date Shares Outstanding	2,600	2,600	2,600	2,581	2,361	2,361
Total Common Shares Outstanding	2,600	2,600	2,600	2,581	2,361	2,361
Book Value Per Share	13551.00	12037.77	10251.54	8536.90	7148.45	6296.43
Tangible Book Value	35,012,597	31,082,885	26,399,349	21,824,869	16,648,906	14,639,209
Tangible Book Value Per Share	13466.38	11954.96	10153.60	8454.42	7052.75	6201.41

Source: S&P Capital IQ. Banks template. Financial Sources.