UOB Green Credit - Creating breakthrough momentum for MZG

UOB Vietnam granted VND 100 billion of green credit to Miza with an interest rate of 5.5%/year (84-month term). The capital was disbursed on 20/09/2025 to serve the purchase of green materials including waste paper for recycling and FSC-certified materials. UOB will evaluate and select based on "green" criteria, low carbon emissions, and require a number of suppliers to achieve FSC certification for brands and products.

This signing is expected to help businesses stabilize input costs and quality of recycled materials, thereby reducing price fluctuations, lowering the risk of supply disruptions and improving inventory turnover. In addition, capital inflows support reducing the carbon footprint of the supply chain, raising ESG ratings in the eyes of export customers and financial institutions.

In particular, UOB Bank will screen suppliers according to a set of "green" and low-emission criteria, some of which are required to have FSC certificates. Capital flows are disbursed directly to suppliers, helping to lock in prices and reduce input cost fluctuations for Miza, thereby maintaining the incentives of the green credit package and ensuring transparency in the supply chain.

Miza has set ESG as its operational pillar with the goal of 100% recycled materials, no wood from natural forests, and FSC compliance throughout the supply chain. This approach helps businesses meet the increasingly stringent requirements of export buyers, improve ESG in the eyes of partners and financial institutions, and expand market share in FTA markets. This is the foundation for Miza to associate revenue growth with sustainable standards, thereby strengthening profit margins and future development.

At the end of Q3 2025, Profit after tax in Q3 reached VND 37.26 billion, up 82.3% over the same period in Q3 last year. Accumulated in the first 9 months of the year, revenue reached more than VND 3.53 trillion, profit after tax reached VND 84.59 billion, up 13% and 87% respectively compared to the first 9 months of 2024. The main driver comes from the recovery of profit margins thanks to lower input material costs, along with optimizing the testliner/medium product structure and good control of selling costs.