MB grows sustainably, controls risks effectively, and leads in comprehensive digital transformation

Military Commercial Joint Stock Bank (MB, stock code: MBB) announced its consolidated business results for the first 9 months of 2025, recording positive growth in terms of scale, efficiency and asset quality, affirming its internal strength in the context of many fluctuations in the financial market.

Credit and revenue growth strong in the first 9 months of the year

By the end of September 2025, MB's total consolidated assets reached VND1,329 trillion, up 17.7% compared to the beginning of the year, among the banks with the highest growth rate in the system. Outstanding credit and bond investment of economic organizations reached VND962 trillion, up 18.6%, of which outstanding customer loans increased by 20%, outstanding SME loans increased by 18.5%, retail sales increased by 15.8%, demonstrating MB's proactive role in providing capital for the economy, especially in the fields of production, consumption and infrastructure investment.

MB will continue to maintain the balance between scale - efficiency - sustainability, accompanying the development of the economy.

MB's Total Income (TOI) reached VND 48.1 trillion, up 24% year-on-year. MB provides a variety of financial services to customers, with net service revenue increasing by ~ 40% year-on-year in 2024.

CASA maintains its position, growing 27% over the same period

Customer deposits reached VND 788 trillion, up 10.3% over last year; of which CASA reached ~ VND 292 trillion, up 27% over the same period, continuing to be among the market leaders, helping MB maintain low capital costs, sustainable structure, and optimized profit margins.

MB always strives to become a reliable financial destination for customers.

Maintaining a pioneering 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 has served more than 33.9 million customers, recording more than 9.6 billion digital transactions in 9 months; digital channel revenue accounts for ~ 40% of total system revenue.

Improved performance management metrics

Pre-tax profit in the first 9 months of 2025 reached VND 23,139 billion, up 12% over the same period, completing 73% of the yearly plan. Optimizing administrative costs, CIR reached ~ 27.9%, down ~ 2.34% over the same period, creating room to reduce lending interest rates for customers according to the State's direction.

MB's consolidated bad debt ratio is at 1.87%, down 0.36% year-on-year. The bad debt coverage ratio is 80%, higher than the industry average, thereby continuing to consolidate a solid financial foundation for the next phase.

MB's leadership representative said: "The results of the first 9 months of 2025 show that the orientation of sustainable growth, effective risk management and strong investment in digital transformation are clearly showing results. MB will continue to maintain the balance between scale - efficiency - sustainability, accompanying 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