Vietnam Maritime Commercial Joint Stock Bank (MSB.VN) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-27). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies Vietnam Maritime Commercial Joint Stock Bank under conventional finance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Computed from published company financials, balance sheet as of 2025-12-31. MSB.VN files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: conventional_finance
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 166.86% | 30.00% | Fail |
| Interest-bearing investments | 143.27% | 30.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 20.15% | 33.00% | Pass |
| Interest-bearing investments | 17.30% | 33.00% | Pass |
| Non-liquid assets | 82.70% | at least 20.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 20.15% | 33.33% | Pass |
| Cash + interest-bearing securities | 17.30% | 33.33% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 20.15% | 33.33% | Pass |
| Cash + interest-bearing securities | 17.30% | 33.33% | Pass |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 217.54% | 33.00% | Fail |
| Cash + interest-bearing securities | 186.78% | 33.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 236.11% | 33.00% | Fail |
| Cash + interest-bearing securities | 202.72% | 49.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 236.11% | 33.33% | Fail |
| Cash + interest-bearing securities | 202.72% | 33.33% | Fail |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 40.00 | NEUTRAL |
| Stochastic %K (14) | 64.71 | NEUTRAL |
| CCI (20) | -93.48 | NEUTRAL |
| Williams %R (14) | -35.29 | NEUTRAL |
| MACD (12,26,9) | -30.20 | SELL |
| ROC (10) | -3.00 | SELL |
| Momentum (10) | -400.00 | SELL |
| EMA (10) | 13108.95 | SELL |
| SMA (10) | 13180.00 | SELL |
| EMA (20) | 13171.18 | SELL |
| SMA (20) | 13159.58 | SELL |
| EMA (30) | 13188.03 | SELL |
| SMA (30) | 13263.33 | SELL |
| EMA (50) | 13098.77 | SELL |
| SMA (50) | 13297.17 | SELL |
| EMA (100) | 12618.76 | BUY |
| SMA (100) | 12672.75 | BUY |
| EMA (200) | 11829.28 | BUY |
| SMA (200) | 11391.58 | BUY |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Banks - Regional
Vietnam Maritime Commercial Joint Stock Bank provides commercial and retail banking products and services in Vietnam. The company offers fixed term and flexible savings accounts, and credit, debit, and hybrid cards. It also provides real estate, business, consumer, auto, home renovation loans, as well as consumer overdrafts; investment products; savings-linked and investment-linked, health, and property insurance products; international transfers and remittances, and foreign cash exchange services. In addition, the company offers account services, transfers, and cash management; short, medium, and long-term corporate lending services; guarantees and export letters of credit; foreign exchange, SWAP, and interbank cash exchange transactions; supply chain finance services; and priority banking services. Further, it provides capital market, credit and trade finance, payment, corresponding banking, and custody services. Vietnam Maritime Commercial Joint Stock Bank was incorporated in 1991 and is headquartered in Hanoi, Vietnam.
Background via Yahoo Finance — informational, not part of the verdict.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-01 · Asset managers net 934180 (-19048)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.
