MSB was honored by the UK-based Global Banking & Finance Review as “Best Retail Bank for Digital Transformation – Vietnam 2025”, affirming its leadership in digital retail banking. The award recognizes MSB’s comprehensive digitalization efforts, marked by 1 million online account openings, 25% of retail revenue generated from digital channels, and an ultra-fast 10-minute online credit card issuance feature that elevates customer experience and market position.

APEA 2025 honored MSB as an “Asia’s Outstanding Enterprise”, reinforcing the bank’s elevated position in the regional financial landscape. The award recognizes the seamless value delivered by two standout solutions, FX Dealing and the M-Flex online flexible mortgage, which showcase MSB’s strong application of advanced technology to enhance customer experience. This recognition reaffirms MSB’s commitment to innovative financial solutions that enable faster, more efficient, and secure access to banking services.

At APEA 2025, MSB was honored with the Inspirational Brand award, recognizing the strong value proposition of two flagship solutions: the FX Dealing foreign exchange trading system and the M-Flex online flexible mortgage loan.

These solutions demonstrate MSB’s effective application of advanced technologies to enhance customer convenience and deliver a superior banking experience. The award once again affirms MSB’s commitment to developing innovative financial solutions that enable customers to access banking services in a fast, efficient, and secure manner.

MSB has been honored with the International Innovation Award for its Ultra-Fast Digital Credit Card Issuance Solution at the International Innovation Awards 2025, held in Shanghai, China. The award, granted by an independent international panel of experts, recognizes MSB’s outstanding innovation capabilities, breakthrough technology thinking, and long-standing commitment to enhancing customer experience. This recognition further reinforces MSB’s pioneering position in digital transformation and customer-centric innovation within the banking industry.

On November 19 in Ho Chi Minh City, MSB further reinforced its position as a leading employer by receiving two prestigious honors: Top 100 Best Places to Work in Vietnam and the Happy Workforce Certification. This marks the third consecutive year MSB has been recognized, reflecting a consistent and evolving people strategy. In the 2025 rankings, MSB climbed 13 places to No. 76 among large enterprises and maintained its Top 7 position within the banking sector, underscoring the strength and credibility of its employer brand.

At the Vietnam ESG Awards 2025, organized by Dan Tri Newspaper, MSB was honored with the award “Vietnam ESG Awards 2025 – Bank Integrating ESG into Long-term Strategy (G – Governance)”.

The award recognizes enterprises that demonstrate outstanding governance practices, transparent and professional management systems, and effective integration of ESG principles into long-term development strategies. This recognition reflects MSB’s strong commitment to high governance standards and reinforces customer trust in the Bank’s sustainable development journey.

MSB was honored with “Best Core Banking Technology Initiative in Asia – Pacific” by the prestigious The Asian Banker in June 2025, reinforcing the bank’s leading position in digital transformation. The award recognizes MSB’s successful migration of its core banking system to Temenos’ advanced platform, enhancing operational efficiency, process automation, and a modern digital ecosystem, while delivering faster, seamless, and superior experiences to customers nationwide.

MSB is proud to be recognized as the Best Bank at the Global Brand Awards, presented by Global Brands Magazine (GBM) – a reputable UK publication with over 8.4 million visitors and 14 million page views annually. Surpassing thousands of banks worldwide, the award acknowledges MSB’s brand reputation, operational excellence, and influence. This recognition highlights the Bank’s commitment to leadership, sustainable support for customers, and positive impact on the community.

Outperforming over 600 companies from 100 countries, MSB was recognized for its leadership in green finance. This award affirms MSB’s commitment to supporting corporate and individual clients toward sustainable operations while fostering a fair and happy workplace. The “Best ESG Implementing Bank in Vietnam 2024” honors organizations pioneering sustainability and integrating ESG into business practices.

MSB has been recognized as the Best ESG Bank at the Global Brand Awards, outperforming over 18,000 global companies, including major banks. The award was assessed by an independent research agency, evaluating ESG strategy, operational performance, and social impact. This recognition underscores MSB’s leadership in sustainable finance, supporting customers, and fostering a fair and fulfilling workplace.

The Fortune Southeast Asia 500 ranks the region’s top companies by scale, performance, and impact. With revenue of USD 972 million, profit of USD 195 million, and total assets exceeding USD 11 billion, MSB proudly secures a spot on this prestigious list, highlighting its leadership among Southeast Asia’s major banks and reinforcing its competitive strength alongside the region’s top corporations.

On November 30, 2023, MSB was proudly named Bank of the Year 2023 in Vietnam by Financial Times, the world’s leading financial publication. This global award, spanning over 120 countries, recognizes the bank with the most outstanding strategy and innovative products. It reflects MSB’s continuous efforts across all areas business performance, risk management, and customer service reinforcing its leadership position and national pride in the banking sector.

With its efforts to digitalize the business model, MSB has been honored as the “Best Digital Transformation Bank 2023” by Global Brands Magazine (GBM), a reputable UK publication with an independent and rigorous evaluation process that recognizes globally influential brands.

The award highlights MSB’s breakthrough capabilities through key enterprise solutions, including the M-Power online unsecured loan and M-Smart account package. This achievement reinforces MSB’s leadership and enduring reputation, consistently meeting strict international standards while delivering a secure and seamless customer experience.

MSB affirmed its international standing by winning the ASEAN Risk Champion Award 2023 from ERMA Academy Singapore, recognizing outstanding achievements in risk management according to international standards.

Notably, MSB is among the few banks to independently implement the most stringent global standards. The Bank’s strength lies in its multi-layered digital defense system, from AI-integrated eKYC, automated fraud scoring, to a touchless approval model (STP). This achievement underscores MSB as a sustainable financial institution where customer safety is a top priority.

MSB proudly affirms its leading position in the “Best Workplace in Vietnam – Mid-sized Corporate Sector,” ranked 2nd in banking and 19th overall, in a prestigious survey by Anphabe and VCCI. Evaluated by over 63,000 professionals and nearly 10,000 students, MSB demonstrates the strong appeal of its Employer Brand.

This achievement reflects MSB’s strategy of building a happy workplace, where sustainable career paths and a human-centered benefits ecosystem serve as a strong foundation, empowering the Bank and its talent to excel on their journey of growth and innovation.

MSB is honored to be named among the Top 15 “Outstanding Companies with a Happy Workforce” by Anphabe, recognizing the effectiveness of its people-centered human resources policies. With an internal happiness index of 98 points, significantly higher than the industry average of 69, MSB demonstrates the strength of a workplace that prioritizes employee experience.

Through a comprehensive benefits framework and clear career pathways, MSB fosters an environment where employees are valued, motivated to grow, committed for the long term, and inspired to view their work as a meaningful journey.

MSB is proud to be named “Best Bank for SMEs in Vietnam 2023” by Asiamoney, part of Euromoney (UK), one of the most reputable financial and banking publications in the Asia-Pacific region.

The award not only recognizes MSB’s outstanding operational performance over the past 12 months but also reflects the Bank’s strong commitment to supporting the sustainable growth of Vietnam’s SME community. This achievement reinforces MSB’s position as a trusted and strategic partner for SMEs on their journey of growth and innovation.

After meeting rigorous quantitative and qualitative criteria, MSB was ranked among the Top 10 Most Reputable Private Joint Stock Commercial Banks in Vietnam in 2022.

The results, assessed by Vietnam Report, were based on MSB’s strong financial capacity, positive brand image measured through Media Coding analysis, and stakeholder satisfaction surveys. This recognition highlights MSB’s commitment to delivering sustainable value to customers and affirms its standing as a dynamic, transparent bank leading digital transformation in Vietnam.

MSB is proud to receive the “Best Digital Transformation Bank 2022” award from The Global Economics – the United Kingdom’s leading financial magazines.

Presented as part of the prestigious Annual Global Economics Awards, the accolade recognizes the excellence of MSB’s digital transformation strategy. Successfully meeting rigorous criteria set by an international judging panel, the award underscores MSB’s pioneering position and continuous efforts in innovation. This achievement reaffirms MSB’s strong commitment to delivering comprehensive, secure, and world-class digital financial solutions to customers in Vietnam.

For the second consecutive year, MSB was recognized by HR Asia, a leading regional HR publication, as “Best Companies to Work for in Asia.” Passing a rigorous independent assessment, MSB stood out with a 12% salary growth despite the pandemic and performance bonuses of up to nine months’ income among the market’s highest. These comprehensive people policies have driven strong employee trust, with nearly 90% expressing long term commitment, forming a solid foundation for MSB’s strategic growth.

MSB was honored as “Most Innovative Corporate Bank 2022” at the World Economic Magazine Inc. Awards, organized by World Economic Magazine, a U.S.-based economic publication. The award recognizes organizations with outstanding contributions to the global economy, particularly in banking and finance, international trade, technology, and sustainable development, following a rigorous multi-round evaluation by experts. This recognition affirms MSB’s strong reputation, innovation capacity, and growing presence on the international financial landscape.

Forbes Vietnam recognized MSB in the “Top 25 Leading Financial Brands,” highlighting a brand value of USD 53.2 million.

This figure is more than an asset—it reflects the confidence customers can place in MSB. Meeting rigorous US-standard valuation criteria on profitability and financial resilience, MSB ensures a transparent and reliable foundation for your assets.

The recognition drives MSB to accelerate digital transformation, turning its financial strength into simple, fast, and efficient banking experiences for all customers

Meeting stringent quantitative and qualitative criteria, MSB proudly secured a position in the Top 10 Most Reputable Commercial Banks in Vietnam 2021.

The ranking, conducted by Vietnam Report, is based on scientific research combining financial analysis and objective media evaluation. Being positively recognized across 24 key operational dimensions highlights MSB’s strong financial foundation and broad market influence, serving as a trusted endorsement of the Bank’s commitment to transparency, safety, and efficiency for customers and investors.

The “Best Companies to Work for in Asia” award by HR Asia is a prestigious benchmark for workplace excellence, featuring a rigorous evaluation process based on surveys of 30,000 employees across the market under the proprietary T.E.A.M model. MSB’s achievement of this award is a clear testament to its strong internal capabilities and people-centric development strategy. Objective recognition from tens of thousands of independent voices has elevated MSB’s standing, affirming a sustainable workplace where individuals are valued and supported for long-term growth.

The award under the Trade and Supply Chain Finance Program (TSCFP) of the Asian Development Bank (ADB) brings together 240 global partner institutions and is regarded as a key benchmark for trade finance excellence in Asia-Pacific.

MSB’s recognition as “Leading SME Trade Bank 2021” reflects its strong international competitiveness. Selected through a rigorous evaluation among hundreds of financial institutions, the award affirms MSB’s solid domestic position and its role as a trusted strategic partner in global trade.

Following a rigorous and independent evaluation by an international panel of financial experts, MSB was honored by World Economic Magazine (London, UK) as the “Most Innovative Retail Banking Product.” This recognition stems from the breakthrough MSB Plus application, reflecting MSB’s mission of “For a more convenient life.” Powered by advanced technology, MSB Plus enables 100% online card issuance and transaction management, while offering the premium Joy benefits ecosystem, reinforcing MSB’s pioneering role in delivering superior digital banking experiences.

Honored by Wells Fargo N.A. – one of the leading financial institutions in the United States – for the third consecutive year, MSB received the Special Award forGlobal Payment Service. To achieve this recognition, MSB met stringent global standards on transparency and attained an exceptionally high Straight-Through Processing (STP) rate with near-perfect accuracy. This achievement serves as a strong testament to MSB’s international operating excellence, reinforcing its position as a trusted partner in the global financial supply chain while delivering faster processing and optimized costs for customers

Recognized by Refinitiv – a member of the London Stock Exchange Group – MSB was honored for the second consecutive year as the “Bank with the Largest FX Matching Volume.”

This achievement is a strong endorsement of MSB’s position as a Market Maker amid intense market competition. Ranking among the Top 3 banks in the interbank market, MSB has demonstrated solid financial strength and an advanced digital trading infrastructure. The award serves as international validation of MSB’s credibility and strong liquidity, reaffirming its leading position in Vietnam’s foreign exchange market.

Recognized for the second consecutive year by the Vietnam Banks Association and IDG Group, the “Outstanding Digital Transformation Bank” award affirms MSB’s strong technological foundation and innovation capability. Meeting rigorous evaluation standards, MSB has demonstrated leadership through a fully digital customer journey, from online account opening to rapid loan approvals, eliminating traditional procedural barriers. This recognition underscores MSB’s commitment to continuous innovation, delivering a seamless, secure and efficient financial experience for more than four million customers nationwide.

Transform Awards Asia – the most prestigious branding award in the APAC region – honored MSB with the Silver Award for “Best Brand Experience”.

The award marks a key milestone in MSB’s four-year brand transformation, delivering strong results with profit growth of 542%, net service income up 793%, and a 404% increase in digital transactions. Beyond a renewed identity, MSB has built a smart digital financial ecosystem, enabling more than three million customers to access fully online lending and card issuance, reinforcing its position as a customer-centric digital bank driving sustainable growth.

MSB was honored by Global Finance one of the United States’ leading financial magazines as “Best Bank in Vietnam 2021.”

With a legacy dating back to 1987 and a presence in 158 countries, Global Finance’s awards are widely regarded as a benchmark of excellence in the global financial community. Being selected by an international judging panel of CEOs and financial analysts is strong proof of MSB’s solid financial strength and sound development strategy, reaffirming its leading position and readiness to align with global banking standards

Overcoming unprecedented challenges brought by the COVID-19 pandemic, MSB was proudly recognized for the second consecutive year by Vietnam Report among the Top 10 Most Reputable Private Joint Stock Commercial Banks in Vietnam.

The ranking was independently assessed based on criteria including financial capacity, media reputation, and customer satisfaction. This recognition is particularly meaningful amid the severe impacts of the COVID-19 pandemic on the financial sector, reaffirming MSB’s strong adaptability and long-term commitment to supporting the business community and the public.

Meeting the stringent evaluation standards of the global financial community, MSB was honored with the “Best Trade Finance Bank Vietnam 2020” award by Global Banking & Finance Review (GBAF) – a leading financial magazine based in the United Kingdom.

The award underscores MSB’s strong market position, highlighted by a 40% growth in trade finance activities during the first nine months of 2020. The judging panel particularly recognized MSB’s pioneering adoption of the SWIFT GPI standard, enabling businesses to track international payments in real time, optimize cash flows, and enhance the global trade experience.

Driven by continuous innovation to enhance customer experience, MSB was honored with a prestigious award from International Finance (IFM) for the Business Owner segment.

The key highlight that impressed the judging panel was the outstanding value delivered by MSB’s M-Business package, offering lifetime free transactions, cashback of up to 10% on advertising expenses, and fast access to funding of up to VND 1 billion. This recognition reinforces MSB’s commitment to serving as a trusted financial partner, delivering practical and empowering solutions to help business owners grow and succeed.

For the third consecutive year, MSB has been honored as “The Most Effective Bank” under the Vietnam Outstanding Banking Awards. The prestigious award is jointly organized by IDG and the Vietnam Banks Association (VNBA), following a rigorous and independent evaluation by leading industry experts and government representatives.

This recognition affirms MSB’s credibility and capability in delivering tailored financial solutions, reinforcing its role as a trusted partner supporting the sustainable growth of small and medium-sized enterprises.

MSB proudly secured the No.1 position among the Top 10 Employers in the Finance and Banking sector, as ranked by CareerBuilder, surpassing numerous competitors. The award is based on independent evaluations of employee benefits, career development, and corporate culture from thousands of professionals nationwide. This recognition reflects MSB’s commitment to building a happy workplace, where over 56% of middle managers have served more than five years. With 1,000+ training programs annually, MSB continues to strengthen its position as a professional and sustainable financial institution in Vietnam.

MSB was honored with the international award “Vietnam’s Largest FX Trading Volume Bank 2020” by Refinitiv, a member of the London Stock Exchange Group (LSEG). As one of the world’s leading financial data providers, Refinitiv conducts objective evaluations based on actual transaction volumes.

In addition, MSB ranked Top 2 Market Maker and Most Active FX Trading Bank. These achievements serve as a strong endorsement of MSB’s credibility and financial strength, reaffirming its leading position in delivering professional, secure, and efficient foreign exchange solutions to customers in the market.

MSB was honored by Global Finance – one of the world’s leading financial magazines as “Best Bank Award 2020″ in Vietnam.

Surpassing financial institutions from more than 150 countries, this marked the third time MSB received the prestigious award, meeting stringent criteria on growth and profitability. The achievement was underscored by strong performance, with pre-tax profit reaching nearly VND 1,970 billion in the first 10 months (exceeding 136% of the plan) and total assets reaching VND 165 trillion. The award further reinforces MSB’s solid position and credibility in the financial market.

An international award from IMF Magazine recognizes MSB’s disciplined technology investment strategy focused on enhancing customer experience. By integrating biometric security and advanced authentication, MSB delivers a secure and seamless digital banking environment.

The award also highlights MSB’s competitive advantages, including free 24/7 transfers and transaction limits of up to VND 500 million per day. Continuous platform upgrades not only align with the cashless payment trend but also reinforce MSB’s credibility in delivering smart, efficient, and reliable financial solutions.

MSB was recognized among the Top 10 Most Reputable Joint Stock Commercial Banks by Vietnam Report in collaboration with Vietnamnet. The prestigious ranking is based on stringent criteria evaluating financial capacity and brand strength, reaffirming MSB’s growing position within Vietnam’s banking sector.

The achievement reflects MSB’s strong growth momentum, marked by a 560% increase in profit before tax in 2018 and a further 192% rise in the first half of 2019. These results laid a solid foundation for MSB’s listing journey and reinforced its credibility and value proposition to customers.

2018 marked the second consecutive year MSB was honored by Capital Finance International (CFI) for its outstanding contributions to the small and medium-sized enterprise (SME) community.

The judging panel recognized MSB’s pioneering role in launching the JOY Community, which facilitated commercial connections for nearly 200 businesses, as well as its strategic partnership with MISA to digitize accounting processes. These initiatives underscore MSB’s ongoing commitment to innovation, delivering integrated, value-added solutions that meet the evolving needs of modern enterprises.

The award from International Finance Magazine (IFM) is an objective endorsement of MSB’s credit card service quality, reflected in a 71% increase in spending during the first five months of 2018. This performance resulted from a value-driven product strategy, featuring a network of 500 JOY+ partner offers and cashback of up to VND 12 million per year with the Visa Travel Card. Flexible solutions such as zero-fee cash advances up to 100% of the credit limit and low-interest installment plans have further positioned MSB as a trusted financial tool for customers.

The Vietnam Outstanding Banking Awards 2018 (VOBA 2018) is a prestigious annual program in the banking sector, jointly organized by International Data Group (IDG), the Vietnam Banks Association, under the patronage of relevant government authorities and ministries.

MSB was honored with the award “Bank Accompanying Small and Micro Enterprises 2018,” recognizing the Bank’s continuous efforts in delivering practical and effective products and services tailored to the needs of SMEs and micro-enterprises. This accolade highlights MSB’s strong commitment to supporting business growth, sustainable development in Vietnam.

MSB proudly secured a position in the PROFIT500 Ranking – Top 500 Most Profitable Enterprises in Vietnam 2018, published by Vietnam Report in collaboration with VietnamNet.

The ranking is based on independent and objective research into enterprises’ pre-tax profit, revenue, and profitability ratios (ROA, ROE, ROR). Meeting PROFIT500’s quantitative criteria provides clear evidence of MSB’s operational efficiency, while also enhancing opportunities to connect with strategic partners both domestically and internationally.

The award from Asian Banking & Finance (ABF), Singapore, affirms MSB’s customer-centric strategy and strong innovation capabilities. The judging panel recognized MSB for its diverse product and service ecosystem that delivers clear added value to customers. The achievement highlights pioneering solutions such as the JOY+ cashback program with benefits of up to 30%, the optimized M-Payroll salary package, and the Zero+ super account offering free transactions. By combining financial incentives with advanced technology, MSB continues to enhance customer experience and effectively meet evolving customer needs.

MSB was proudly recognized by Capital Finance International (CFI) as the “Bank with Outstanding Initiatives and Contributions to SMEs in Vietnam 2017.”

The award was determined based on the proven effectiveness of MSB’s comprehensive financial solutions, including preferential credit packages, management consulting services, and digital transformation support tools. This recognition highlights MSB’s capability in addressing key capital and operational challenges, empowering the SME sector to enhance competitiveness and achieve sustainable growth.

The strategic partnership between MSB and the LOTTE Group was recognized by Mastercard with the award “Best Co-branded Card 2017.”

Unlike conventional cards that offer benefits at a single outlet, the MSB–LOTTE Mart card enables customers to earn reward points across LOTTE’s multi-industry ecosystem including shopping, entertainment, and hospitality at a 1.5x earning rate. Combined with the JOY+ discount network offering up to 50% off, the product has been widely regarded by industry experts as a breakthrough in maximizing customer value and opening new directions for the co-branded card market.

With new card issuance growing at an exceptional rate of 200% per month within just six months of launch, MSB Visa Travel was awarded “Best Travel Cashback Credit Card 2017” by Visa.

The award validates MSB’s pioneering shift from reward points to direct cashback, offering benefits of up to VND 32 million per year-the highest in the market at the time. The success of this card was a key driver behind a 60% increase in total new card issuance, while also contributing to MSB’s B3 credit rating with a positive outlook assigned by Moody’s.

Vietnam Report officially announced MSB’s inclusion in the Top 10 Most Reputable Commercial Banks in Vietnam 2017.

This annual ranking is widely recognized by the financial community as a benchmark for banking brand strength. The results are determined through a scientific and objective methodology, combining assessments across three key dimensions: audited financial capacity, media reputation, and customer satisfaction. Meeting these stringent criteria provides clear evidence of MSB’s sustainable growth and solid position in the banking market.

MSB was officially awarded the title of “Best Bank Accompanying Small and Medium Enterprises 2017” by IDG and the Vietnam Banks Association.

The recognition was based on the proven effectiveness of 18 dedicated financial solution groups, highlighted by unsecured financing of up to VND 4 billion, a streamlined three-day approval process, and a 30% reduction in bundled transaction fees. These innovations not only drove a 10% growth in SME customers, but also supported Moody’s in assigning MSB a B3 credit rating with a positive outlook, reinforcing the Bank’s credibility in the market.

J.P. Morgan officially awarded MSB the title of “Most Active FX Options Electronic Trading Participant 2017” on its eXecute electronic trading platform.

The award underscores MSB’s active participation in global financial markets through the eXecute system. MSB’s effective utilization of this advanced technology platform reflects the high expertise of its treasury team and reinforces the Bank’s position as a trusted strategic partner in foreign exchange and derivatives trading in Vietnam.

Within a program jointly organized by Family & Children Magazine, MSB was awarded the certification “Trusted Family Brand.”

The recognition honors enterprises committed to rejecting substandard services and delivering genuine value to the community. Being honored in the Financial and Banking Services category affirms MSB’s success in building trust not only through financial safety and reliability, but also through a deep understanding of and long-term commitment to the essential needs of Vietnamese families.

2017 marked the third consecutive year MSB was selected by the world-leading magazine Global Finance and awarded “Best Bank in Vietnam 2017.”

The award was granted based on assessments by a panel of top financial experts and research specialists, using criteria that included technology application, product innovation, and policy frameworks. This recognition affirms MSB’s continuous efforts to deliver high-quality and well-tailored foreign exchange and derivatives products, meeting the diverse needs of its customers.

With a record Straight-Through Processing (STP) rate of 99.98%, MSB continued to receive the Elite Quality Recognition Award 2017 from J.P. Morgan.

Maintaining an almost zero error rate for four consecutive years has positioned MSB among the financial institutions with the highest payment quality in Vietnam. Supported by a global network of more than 600 correspondent partners, the award serves as a critical technical assurance, ensuring customers’ international transfers are processed with maximum speed, accuracy, and security.

International Finance Magazine (UK) officially awarded MSB the title of “Best Retail Bank in Vietnam 2017.”

The recognition was determined through an independent assessment across 10 key criteria, including business strategy, information security, digital ecosystem, and user experience. Meeting IFM’s rigorous standards provides objective validation of MSB’s strong service transformation, while reinforcing the Bank’s competitiveness and solid standing within the international investment community.

Global Finance recognized MSB as Best Bank in Vietnam 2017 following a rigorous evaluation by international financial analysts.

The award acknowledged MSB’s pioneering strategy in product digitalization such as the Meed application and online lending solutions along with its strict adherence to risk management standards. This solid foundation drove strong business momentum, with a 23% increase in individual customers, a record 285% growth in credit card issuance, and a 200% rise in active corporate customers.

Recognizing its breakthrough progress, Mastercard awarded MSB a double honor in 2016: “Leadership in debit volume” and “Effective card usage program”.

The awards certify MSB’s remarkable growth momentum, with the number of international cards increasing by 199% and spending volume surging 145%. This strong performance was driven by a modern technology platform and the JOY+ “super privileges” strategy, positioning MSB as a preferred choice for millions of customers in global transactions.

“2016 marked the third consecutive year MSB received the Elite Quality Recognition Award from J.P. Morgan.

The award recognizes the exceptional quality of MSB’s international payment services, reflected in an outstanding Straight-Through Processing (STP) rate of 99.97%, far exceeding the global excellence benchmark of 99%. This result highlights MSB’s high processing accuracy and advanced technology platform, supported by a network of more than 600 financial institutions worldwide, ensuring fast and secure transactions for customers.”

MSB was awarded BNY Mellon’s STP Award 2016, based on its strong Straight-Through Processing (STP) rate- one of the key indicators of automated payment quality in banking. As the 10th largest bank in the United States and ranked 73rd globally with total assets of USD 333 billion, BNY Mellon applies rigorous international standards when selecting partner banks. The award is granted annually to correspondent banks achieving an STP rate of over 95%, affirming MSB’s operational accuracy and compliance with global payment standards.

The Vietnam Bond Market Association (VBMA) honored MSB as the “Market Maker with the Highest Trading Volume 2016.”

The award affirms MSB’s leading position in providing ample liquidity to the Vietnam Government bond market. With the largest trading volume, MSB has demonstrated strong financial capacity and reinforced its role as a trusted partner for domestic and international financial institutions.

At the Annual Conference of the Vietnam Bond Market Association (VBMA), MSB ranked No.1 in the category “Second Best Quoting Market Maker 2016.”

The award recognizes MSB for maintaining one of the lowest bid–ask spreads in the market, underscoring its strong asset pricing capabilities. This achievement highlights MSB’s leading role in providing transparent and ample liquidity, contributing to the effective development of Vietnam’s bond market.

The “Best Foreign Exchange Services Bank” award, presented by Asian Banking & Finance (ABF) magazine, is among the most prestigious distinctions in Asia, based on rigorous evaluations by an international judging panel.

To earn this accolade, banks must demonstrate outstanding performance across key criteria, including transaction volume, growth rate, and partner satisfaction. MSB’s achievement as the only Vietnamese bank to receive the award for two consecutive years stands as strong proof of its market-leading position, on par with major state-owned financial institutions.

After successfully passing a public voting process conducted across three channels press, website, and on-site surveys at major shopping centers nationwide MSB was honored among the Top 100 Best Products and Services for Families and Children 2016.

The award was organized by Lao Dong & Social Affairs Newspaper under the patronage of the Ministry of Labour, Invalids and Social Affairs. This recognition serves as an objective endorsement of MSB’s family-friendly service quality, effectively meeting the savings and financial security needs of millions of Vietnamese households.

International Finance (IFM) officially awarded MSB the title of “Best Commercial Bank in Vietnam 2016”, based on independent assessments of growth performance and market share.

The award confirms MSB’s strengthened position following the merger with MDB, marking its entry into the Top 5 largest joint stock commercial banks in Vietnam in terms of capital scale and network. Meeting IFM’s stringent standards on product diversification and technological depth serves as objective evidence of MSB’s operational strength and sustainable development strategy.

Rising to No.1 as “Best Priced Market Maker” (up one rank from last year) and maintaining a Top 3 position in transaction volume, as recognized by the Vietnam Bond Market Association (VBMA), MSB proudly reaffirms its market leadership.

This ranking reflects the bank’s strong financial capacity and superior liquidity. We continuously strive not only to shape the market but also to deliver the most competitive pricing, ensuring customers have full confidence when transacting with a leading, trusted partner.

Selected from over 4,000 candidates to enter the Top 100 at the “Tin & Dùng Việt Nam 2015” Awards, MSB deeply values the trust you have placed in us.

Organized by Vietnam Economic Times with more than 60,000 votes and rigorous evaluations, the award serves as the most objective endorsement of MSB’s service quality.

More than a title, it motivates us to continuously improve, delivering safe, convenient, and reliable financial solutions worthy of being the bank consumers confidently choose.

As the only Vietnamese bank to be honored by the prestigious Asian Banking & Finance (ABF) magazine as “Best Foreign Exchange Services Bank,” MSB proudly affirms its outstanding capabilities in the international market.

Meeting rigorous criteria in both transaction volume and service quality, MSB impressed the judging panel through continuous efforts to optimize its trading systems. This award reflects MSB’s strong commitment to delivering fast, secure, and reliable foreign exchange solutions supporting customers’ needs in business, investment, education, and travel.

In recognition of its positive contributions during 2013–2014, MSB was awarded a Certificate of Merit by the Governor of the State Bank of Vietnam.

Staying true to its philosophy of “Creating Sustainable Value,” MSB consistently complied with Government policies and the State Bank’s directives on maintaining capital adequacy ratios and controlling inflation. The Bank also contributed to stabilizing the financial market and supporting Vietnamese enterprises through challenging times, successfully fulfilling its responsibilities within the banking sector during this period.

MSB was honored to receive the Emulation Flag from the State Bank of Vietnam as a leading institution in the industry in 2014, reaffirming its strong capability and outstanding credibility – especially following a strategic merger that significantly expanded its scale and financial strength.

This prestigious recognition, together with the trust of more than 1.4 million individual customers and nearly 30,000 corporate clients, continues to drive MSB’s strategy to accelerate retail banking development. MSB remains committed to delivering modern, tailored financial solutions for households and families, serving as a reliable financial partner for customers.

The “Bank for the Community” award, presented by IDG and the Vietnam Banks Association, honors MSB’s strong commitment to social responsibility. Beyond annual contributions worth billions of VND, MSB supports charity housing, underprivileged students, and pediatric patients. Through its “Community Bank” model, MSB has also enabled thousands of small traders and farming households to access capital and improve livelihoods. This recognition reflects MSB’s belief that sustainable growth goes hand in hand with shared prosperity for customers and society.

MSB is the first bank in Vietnam to be honored by World Finance one of the world’s most prestigious international financial magazines as Best Retail Bank in Vietnam.

The award recognizes MSB’s outstanding achievements in retail banking, based on criteria including stable growth, a diverse and high-quality portfolio of products and services, an extensive operating network, a large customer base, and strong sustainable development potential. This recognition serves as a strong motivation for MSB to continue delivering modern, efficient, and best-in-class financial experiences to customers.