BANK ON REAL GROWTH
“Only when you have the courage to step forward, the determination to take on challenges, and the vision to turn the impossible into a lasting competitive advantage does MSB commit to standing by your side with practical and effective financial solutions – supporting strong and sustainable growth for both individuals and businesses.”
WHAT DRIVES US
Committed to Our Proud Mission
Making the social better
Our Clear Vision
Become a bank that everybody wants to join and nobody wants to leave
BUILT ON STRONG FOUNDATIONS
CUSTOMER-CENTRIC
Places customers at the heart of every thought and action, continuously striving to understand their needs to improve in every aspect.
INNOVATION
Constantly evolves by embracing change and encouraging new ideas to drive breakthrough progress.
RESPONSIBILITY
Ensures to do the right thing, do enough, and see it through to the end, striving for shared goals and a sustainable future for all stakeholders.
EFFICIENCY
Prioritizes results by maintaining clear goals, leveraging optimized resources, and ensuring timely execution.
HUMANITY
Operates as a unified collective, fostering a happy environment for individuals and the broader community.
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OUR JOURNEY OF GROWTH
2025
MSB’s long-term deposit rating and long-term issuer rating were upgraded by Moody’s Ratings from B1 to Ba3, affirming that its financial strength not only meets the new standards but also stands out across multiple dimensions compared to the broader market.
2023
MSB became the only Vietnamese bank to be honored by the Financial Times as Bank of The Year, recognizing its outstanding achievements in business performance, risk management, and product and service development amid volatile market conditions.
2022
MSB became the first Vietnamese bank to establish a Sustainable Development Committee under the Board of Directors. The Bank was awarded Best Bank for ESG in Vietnam by Euromoney and was ranked among the Fortune Southeast Asia 500.
2021
MSB made significant investments in digital platforms, launching two key technology initiatives: The Digital Factory and Core Banking Modernization. After two years of implementation, eight end-to-end customer journeys were successfully digitized—laying a solid foundation for MSB’s continued digital transformation.
2020
A total of 1.175 billion shares of Vietnam Maritime Commercial Joint Stock Bank, trading under ticker MSB, were officially listed on the Ho Chi Minh Stock Exchange. In the same year, MSB defined its five-year strategic transformation roadmap.
2019
MSB implemented a comprehensive transformation—from brand identity to customer experience model—towards becoming one of Vietnam’s most trusted, customer-centric, and profitable banks.
2015
MSB strengthened its position as one of Vietnam’s leading joint-stock commercial banks in terms of charter capital and network through the merger with Mekong Development Bank and the acquisition of Vietnam National Textile & Garment Group (TFC). The Bank expanded to over 5,000 employees, with charter capital of approximately VND 11 trillion and a nationwide network of nearly 300 transaction points.
2010
Pioneering a structured business strategy advised by the international consultancy McKinsey & Company, MSB made a strong mark in the financial and banking market with the launch of the M1 integrated account package.
1991
Founded on 12 July 1991 in Hai Phong, MSB proudly became Vietnam’s first joint-stock commercial bank—marking a pivotal milestone in the country’s economic opening and development.
