MB achieves sustainable growth, effectively manages risks, and leads in comprehensive digital transformation.

Military Commercial Joint Stock Bank (MB, stock code: MBB) announced its consolidated business results for the first nine months of 2025, recording positive growth in terms of scale, efficiency, and asset quality, affirming its internal resilience amidst a volatile financial market.

Credit and revenue grew strongly in the first nine months of the year.

By the end of September 2025, MB's consolidated total assets reached VND 1,329 trillion, an increase of 17.7% compared to the beginning of the year, placing it among the fastest-growing banks in the system. Outstanding loans and bond investments to economic organizations reached VND 962 trillion, an increase of 18.6%, including a 20% increase in customer loans, an 18.5% increase in SME loans, and a 15.8% increase in retail loans. This demonstrates MB's proactive role in providing capital to the economy, especially in the production, consumption, and infrastructure investment sectors.

MB will continue to maintain a balance between scale, efficiency, and sustainability, in line with the development of the economy.

MB's total operating income (TOI) reached VND 48.1 trillion, a 24% increase year-on-year. MB provides a diverse range of financial services to customers, with net service income increasing by approximately 40% year-on-year in 2024.

CASA maintained its position, growing 27% year-on-year.

Customer deposits reached VND 788 trillion, a 10.3% increase compared to last year; of which CASA reached approximately VND 292 trillion, a 27% increase year-on-year, continuing to be among the market leaders, helping MB maintain low capital costs, a sustainable structure, and optimized profit margins.

MB always strives to be a trusted financial destination for its customers.

Maintaining a leading position in digital transformation.

Along with positive business results, MB continues to affirm its pioneering position in digital transformation and the development of a comprehensive financial ecosystem. To date, the bank serves more than 33.9 million customers, recording over 9.6 billion digital transactions in the first nine months; revenue from the digital channel accounts for approximately 40% of the total revenue of the entire system.

Performance quality management indicators have improved.

Pre-tax profit for the first nine months of 2025 reached VND 23,139 billion, a 12% increase compared to the same period last year, achieving 73% of the annual plan. Administrative expenses were optimized, with a CIR of approximately 27.9%, a decrease of approximately 2.34% compared to the same period last year, creating room for reducing lending interest rates for customers in line with government guidelines.

MB's consolidated non-performing loan (NPL) ratio was 1.87%, a decrease of 0.36% compared to the same period in 2024. The NPL coverage ratio was 80%, higher than the industry average, thereby further strengthening the solid financial foundation for the next phase.

A representative from MB's leadership stated: "The results for the first nine months of 2025 show that our sustainable growth strategy, effective risk management, and strong investment in digital transformation are clearly yielding positive results. MB will continue to maintain a balance between scale, efficiency, and sustainability, and will keep pace with the development of the economy."

Source: https://daibieunhandan.vn/mb-tang-truong-ben-vung-kiem-soat-rui-ro-hieu-qua-dan-dau-chuyen-doi-so-toan-dien-10393035.html