Vietnam Maritime Commercial Joint Stock Bank (HOSE:MSB)

HOSE:MSB Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	56,198,063	55,453,074	52,324,338	30,757,191	21,433,292	16,934,995
Investment Securities	65,172,454	65,581,886	37,890,409	31,544,778	48,236,169	55,698,963
Trading Asset Securities	-	-	-	468,019	23,487	21,050
Total Investments	65,172,454	65,581,886	37,890,409	32,012,797	48,259,656	55,720,013
Gross Loans	215,118,155	183,179,615	158,910,371	130,523,502	115,095,351	81,587,991
Allowance for Loan Losses	-3,071,605	-3,026,070	-2,362,747	-1,430,921	-1,686,808	-843,011
Net Loans	212,046,550	180,153,545	156,547,624	129,092,581	113,408,543	80,744,980
Property, Plant & Equipment	262,905	504,383	373,889	269,425	245,158	127,909
Goodwill	-	5,142	15,124	25,106	35,088	45,071
Other Intangible Assets	198,046	200,307	200,203	229,543	177,828	180,842
Investments in Real Estate	-	-	-	-	-	1,032,510
Accrued Interest Receivable	-	4,897,832	5,065,400	2,808,476	2,769,866	2,640,237
Other Receivables	-	5,784,807	6,664,579	7,904,840	7,724,224	10,679,545
Restricted Cash	6,331,741	5,494,784	4,589,199	3,689,730	3,056,674	1,850,921
Other Current Assets	-	2,013,599	2,217,006	3,662,109	2,739,236	2,365,254
Long-Term Deferred Tax Assets	-	-	-	50	61	46
Other Real Estate Owned & Foreclosed	-	58,730	1,115,496	2,164,447	3,729,761	4,272,143
Other Long-Term Assets	15,468,909	-	2,571	159,563	86,036	103,159
Total Assets	355,678,668	320,148,089	267,005,838	212,775,858	203,665,423	176,697,625
Accrued Expenses	-	752,454	920,416	834,333	879,967	451,693
Interest Bearing Deposits	275,419,245	161,703,979	140,225,172	98,353,705	88,264,954	103,197,453
Non-Interest Bearing Deposits	-	52,678,141	46,610,243	48,106,939	40,430,404	6,760,023
Total Deposits	275,419,245	214,382,120	186,835,415	146,460,644	128,695,358	109,957,476
Short-Term Borrowings	978,465	730,128	263,356	-	76,833	52,030
Current Income Taxes Payable	-	765,211	607,130	821,224	224,962	171,371
Accrued Interest Payable	3,654,688	2,831,095	3,813,157	2,253,470	1,605,625	1,577,833
Other Current Liabilities	-	6,408	6,409	6,413	6,413	4,221
Long-Term Debt	33,250,792	62,833,911	41,072,178	33,648,369	48,016,457	45,310,643
Other Long-Term Liabilities	1,819,225	1,029,205	2,189,565	2,097,407	2,122,023	2,297,539
Total Liabilities	315,122,415	283,330,532	235,707,626	186,121,860	181,627,638	159,822,806
Common Stock	26,000,000	26,000,000	20,000,000	19,857,500	15,275,000	11,750,000
Additional Paid-In Capital	33,460	33,460	33,460	33,460	491,710	400,000
Retained Earnings	10,166,865	10,783,489	11,264,144	6,762,430	6,270,467	5,764,866
Treasury Stock	-	-	-	-	-	-1,040,655
Comprehensive Income & Other	4,355,928	608	608	608	608	608
Shareholders' Equity	40,556,253	36,817,557	31,298,212	26,653,998	22,037,785	16,874,819
Total Liabilities & Equity	355,678,668	320,148,089	267,005,838	212,775,858	203,665,423	176,697,625
Total Debt	34,229,257	63,564,039	41,335,534	33,648,369	48,093,290	45,362,673
Net Cash (Debt)	21,968,806	-8,110,965	10,988,804	-2,423,159	-26,636,511	-28,406,628
Net Cash Per Share	7041.77	-2599.67	3522.05	-781.77	-8753.77	-10027.93
Filing Date Shares Outstanding	3,123	3,120	3,120	3,120	3,098	2,833
Total Common Shares Outstanding	3,123	3,120	3,120	3,120	3,098	2,833
Book Value Per Share	12986.34	11800.50	10031.48	8542.95	7114.08	5957.04
Tangible Book Value	40,358,207	36,612,108	31,082,885	26,399,349	21,824,869	16,648,906
Tangible Book Value Per Share	12922.93	11734.65	9962.46	8461.33	7045.35	5877.29

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