MB Economic Insights 2025: Reaffirming leadership position and comprehensive strategy to accompany businesses

Military Commercial Joint Stock Bank (MB) organized the 11th annual MB Economic Insights Economic Forum with the theme "Proactive adaptation - Creating momentum for breakthroughs" on November 7, 2025 in Hanoi.

The 11th MB Economic Insights gathered nearly 500 delegates including leading import-export enterprises, representatives of State management agencies, international experts from the World Bank, economic consultants of the Government and academic research organizations. This forum is not only MB's commitment to accompany the business sector, but also affirms the bank's strategic role in guiding and creating a way out for the business community in the context of a volatile world.

Overview of the MB Economic Insights Annual Economic Forum.

MB reaffirms its leading position in the foreign exchange market

At the Forum, MB General Director Pham Nhu Anh shared that by the end of the third quarter of 2025, MB's total assets would reach nearly VND 1.4 million billion, with pre-tax profit reaching VND 23,139 billion, up nearly 12% over the same period last year. This figure represents 73% of the annual profit plan, showing that MB is on track to steadily achieve its annual target in the context of the global economy continuing to fluctuate unpredictably.

In particular, MB's credit growth reached about 19% in the first 9 months of 2025, with the whole year expected to reach 25-30% - the highest growth rate among the Vietnamese commercial banks. MB's credit allocation strategy shows a delicate balance: 50-60% of growth space is reserved for individual customers and small and medium enterprises (SMEs), segments with high profit margins and good risk dispersion. The rest focuses on businesses with a manufacturing - import-export foundation, a sector that is recovering strongly.

Regarding customers, MB is serving nearly 35 million customers, with a transaction rate on digital channels reaching 98.7% - a figure that demonstrates the bank's complete digital transformation. Not only that, MB still maintains its position as the leading bank in foreign exchange market share in Vietnam and was honored by The Asian Banker magazine as the Best Foreign Exchange Bank in 2024 and 2025.

Mr. Pham Nhu Anh - General Director of MB spoke at the 11th annual MB Economic Insights Economic Forum.

Proactive Adaptation Strategy: From Analysis to Action

The 11th MB Economic Insight marked a significant turning point in MB's approach: for the first time, the Forum organized many in-depth discussion sessions with the participation of international experts, domestic scholars, representatives of the Ministry of Industry and Trade , the Central Economic Committee and senior leaders of MB. This approach reflects MB's business philosophy: "Speak with data, act with solutions" - that is, all decisions must be based on in-depth analysis and practical data.

During the discussion on interest rate prospects, Mr. Pham Nhu Anh emphasized that Vietnam's current interest rates are low, with many import-export enterprises being able to borrow at interest rates of only about 4.5-5%/year. However, he said that in the short term, factors such as expected inflation and the exchange rate situation will continue to affect interest rate policy. The recent increase in interest rates is an inevitable trend to stabilize the exchange rate, but this increase is not worrying and is still low compared to the previous period. MB also proactively advises customers on exchange rate hedging solutions and provides specific support for customers facing difficulties, especially from the US market.

Regarding the prospect of public investment – ​​one of the main drivers of growth – Mr. Pham Nhu Anh emphasized that transport infrastructure, energy and digital infrastructure projects will continue to be the key "lever" for long-term growth. MB is focusing on supporting businesses related to these fields, preparing flexible financial solutions when projects are deployed in the coming period.

Comprehensive financial solutions: From SCF to BIZ MBBank

One of MB's key highlights at the forum was the introduction of a comprehensive set of financial solutions, specially designed to meet the needs of import-export businesses in a challenging economic context.

Supply Chain Finance (SCF) is a prominent product that allows MB to provide multi-tiered financing along the supply chain. This solution helps businesses optimize cash flow, reduce capital costs and manage risks more effectively. This is a key tool in supporting the import-export sector, especially small and medium-sized enterprises, in improving competitiveness.

The BIZ MBBank digital platform is MB's most modern tool, allowing businesses to optimize capital allocation and manage financial risks without having to go directly to the bank. Through a special technology system, import-export customers can perform foreign currency trading services, open Letters of Credit (LC), transfer money internationally and disburse loans quickly, saving costs and time. This platform demonstrates MB's commitment to keeping up with the digital revolution and bringing optimal banking experiences to businesses.

In addition, MB is also committed to designing specialized financial solutions for each industry and each business, helping them to hedge against exchange rate and interest rate risks, thereby optimizing profits. This approach shows that MB is not only a financial service provider, but also a strategic partner of businesses.

A discussion session at the 11th MB Economic Insights Annual Economic Forum.

Economic context: Opportunities and challenges

This year’s forum takes place in the context of a vibrant but challenging Vietnamese economy. Mr. Sacha Dray – World Bank Chief Economist for Vietnam – presented that Vietnam has become the fastest-growing economy in Southeast Asia, with real GDP growth reaching 7.9% in the first nine months of 2025 – the highest in a decade (excluding the post-Covid-19 recovery period).

However, in addition to impressive achievements, experts also warn of potential risks: increasing bad debt, signs of decreasing risk absorption capacity of the banking system, and pressure to stabilize the exchange rate when the Vietnamese Dong has depreciated by about 6% compared to the same period last year. Mr. Nguyen Xuan Thanh - Senior Lecturer at the Fulbright School of Public Policy and Management - emphasized that to achieve the growth target of 10% in 2026, there must be a balance between loosening fiscal and monetary policies and effective banking risk management.

Regarding import and export, Ms. Trinh Thi Thu Hien - Deputy Director of the Import and Export Department, Ministry of Industry and Trade - announced that the total import and export turnover in the first 10 months of 2025 is estimated to reach about 762 billion USD, up 17.4% over the same period last year. Exports reached 391 billion USD, imports reached 371 billion USD, with a trade surplus of more than 19.5 billion USD. This is a positive foundation, but she also warned that businesses need to be prepared for fluctuations in tariffs and trade policies in the coming year.

The 11th MB Economic Insights gathered nearly 500 delegates including leading import-export enterprises, representatives of state management agencies, international experts from the World Bank, economic consultants of the Government and organizations and enterprises.

MB's role: From bank to strategic partner

MB Economic Insights 2025 clearly shows that MB's role has gone beyond the boundaries of a traditional commercial bank. MB not only provides financial services, but also acts as a strategic consulting center for Vietnamese businesses.

Combined with impressive business results, a reasonable credit allocation strategy, a comprehensive set of financial solutions, and connections with leading experts and scholars – all show that MB is truly "proactively adapting" to the challenges and opportunities of the economy. That is also what Vietnamese enterprises need to do in the current context: not only reacting passively to the fluctuations of the world, but also proactively defining strategies, seeking creative solutions and reliable partners to "create momentum for breakthroughs".

This forum is a step in the right direction, and it shows that, with support from progressive banks like MB, Vietnamese enterprises are fully capable of facing the challenges and seizing the opportunities of the times.

Source: https://baoquocte.vn/mb-economic-insights-2025-tai-khang-dinh-vi-the-leadership-va-chien-luoc-toan-dien-dong-hanh-doanh-nghiep-333762.html