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. This growth rate is among the leading banks in the system. Along with that, outstanding credit and bond investment of economic organizations reached about VND962 trillion, up 18.6%; of which outstanding customer loans increased by 20%, outstanding SME loans increased by 18.5%, and outstanding retail loans increased by 15.8%. These figures clearly demonstrate MB's proactive role in providing capital to the economy, especially in the fields of production, consumption and infrastructure investment.

MB's consolidated operating income (TOI) in the first 9 months reached VND48.1 trillion, up 24% year-on-year. The service sector continued to be strongly promoted, with net service revenue increasing by nearly 40% year-on-year. Thanks to that, MB not only increased its scale but also improved the efficiency of non-interest income, one of the orientations that the bank had set out early.

MB continues to record positive prospects in customer capital mobilization: customer deposits reached about VND 788 trillion, up 10.3% over the previous year; of which demand deposits and current deposits (CASA) reached VND 292 trillion, up 27% over the same period. Maintaining and increasing the proportion of CASA helps MB maintain low capital costs, improve capital structure and create a foundation for sustainable profit margins.

Along with positive business results, MB continues to affirm its pioneering position in digital transformation and the development of a comprehensive financial ecosystem. Up to now, the bank is serving 34 million customers, recording more than 9.6 billion digital transactions in the first 9 months of the year. Digital channels have contributed nearly 40% of total system-wide revenue, showing that the bank has not only improved operational efficiency but also successfully implemented the "digital banking" orientation in business activities.

One of MB's highlights in the first 9 months of 2025 is its ability to control risks and improve governance efficiency. Consolidated pre-tax profit reached VND 23,139 billion, up 12% year-on-year (73% of the annual plan). The bank has operated with optimized administrative costs, with the cost/income ratio (CIR) reaching nearly 27.9%, down nearly 2.34% year-on-year.

In terms of asset quality, MB's consolidated bad debt ratio is at 1.87%, down 0.36% year-on-year. At the same time, the bad debt coverage ratio is 80%, higher than the industry average, demonstrating the safety and certainty of the bank's financial foundation.

MB's leadership representative shared: "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."

With the above results, MB affirms its top position in the Vietnamese banking industry, not only in terms of scale but also in terms of operational efficiency and digital technology . MB representative said that by the end of 2025, the bank's goal is to expand controlled credit, improve service quality, continue to promote comprehensive digital transformation and accompany customers, especially in the small and medium enterprises (SME) and retail sectors.

In the context of the world and domestic economy facing many challenges from interest rates, capital costs, to global financial fluctuations, MB with its strong foundation, good management capacity and clear strategy, is being evaluated as a bank with outstanding capabilities, creating long-term value for shareholders and customers.

Source: https://huengaynay.vn/kinh-te/mb-tang-truong-ben-vung-kiem-soat-rui-ro-hieu-qua-tiep-tuc-dan-dau-chuyen-doi-so-159716.html