At the end of the first 6 months of 2024, the total assets of the entire group (MB Group) showed a growth of nearly 5% compared to 2023, reaching VND 988,605 billion. Outstanding loans to customers increased by 10.3% compared to 2023, a high growth rate compared to the industry average; pre-tax profit reached VND 13,428 billion, an increase of 5.4% over the same period in 2023; pre-tax profit of the bank alone reached VND 13,168 billion, an increase of 10.2% over the same period in 2023. MB's efficiency and safety indicators remained stable with ROA reaching approximately 2.33%; ROE reaching approximately 23.17%.
MB strictly controls credit quality, the bad debt ratio of the whole group is controlled at 1.64%, the bank alone reaches 1.43%. MB continues to maintain the market-leading CASA ratio (non-term deposits) of approximately 38.83% thanks to its large customer base and digital channel transactions. This advantage helps MB save on input capital costs and significantly increase business efficiency. The bank alone has a CIR of approximately 27.40%, effective cost management; saving on COF capital mobilization costs of approximately 3.22%.
Sticking to the target of 30 million customers and with a standard information technology platform, in the first 6 months of 2024, MB attracted 1.8 million new customers, bringing the total number of customers the Bank is serving to 28 million. Comprehensive digital transformation meets approximately 1.6 billion financial transactions on digital channels (1.7 times higher than the same period in 2023), the digital transformation rate reaches 99.3%; MB's money transfer transaction scale via NAPAS ranks first in the system for 3 consecutive years (2021 - 2023).
With the motto of putting customers at the center, creating values through excellent experiences from customers' needs and expectations, for the first time MB launched the MasterCard Hi Cashback card line, allowing customers to choose flexible cashback fields, and manage expected cashback cash flow immediately after making transactions.
In recognition of its achievements in the first 6 months of 2024, MB received many prestigious domestic and international awards such as: "Top 50 Best Enterprises in Vietnam 2024 (VNR500)", "Top 10 Prestigious Commercial Banks in Vietnam", "Top 10 Innovative, Creative and Effective Enterprises", "Innovative and Creative Products in Banking", and a number of international awards: "Top 300 Most Valuable Banking Brands in the World ", "TAB - The Best Derivatives Provider" (Best Financial Derivatives Provider in Vietnam) and "TAB - Best FX Bank in Vietnam" (Best Foreign Exchange Bank in Vietnam) awarded by Asian Banker.
Continuing to adhere to the strategy for the 2022-2026 period, MB is determined to conquer 30 million customers to celebrate the bank's 30th birthday (November 4, 1994 - November 4, 2024). MB is determined to achieve the goal of digital transformation to become a "Digital Enterprise, Leading Financial Group", prioritizing the development of sustainable development goals, consolidating the quality of all aspects of operations, focusing on building a Digital Corporate Culture, thoroughly applying and creating effective working methods. At the same time, MB is positioned in the Top 3 in terms of efficiency and safety indicators, and strives to have scale and pre-tax profit indicators higher than the industry average.
Source: https://laodong.vn/kinh-doanh/mb-phuc-vu-28-trieu-khach-hang-tiep-tuc-dan-dau-ve-casa-1373552.ldo
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