MB General Director: Leadership in times of transition

General Director of the Military Bank (MB) Pham Nhu Anh is one of the typical faces of the new generation of executives - considering innovation as the foundation for growth.

In the context of the Vietnamese banking system entering a period of deep restructuring, with increasing demands for digital transformation and risk management, the role of leaders becomes key. General Director of the Military Bank (MB) Pham Nhu Anh is one of the typical faces of the new generation of executives - considering innovation as the foundation and effective management as the lever for sustainable growth.

MB CEO - Mr. Pham Nhu Anh - is one of the typical faces of the new generation of executives.

From practice to strategic thinking

Starting his career when the Vietnamese banking industry entered a period of strong transformation, Mr. Pham Nhu Anh soon realized that opportunities only come to those who dare to try and understand the laws of market movement. From the position of branch director to senior leader, Mr. Pham Nhu Anh always holds the view that "all decisions must be based on data and verified by results".

When taking on the role of MB CEO, he and the bank's executive board focused on restructuring governance, applying data-driven management. This mindset not only helped MB shorten the decision-making cycle but also significantly reduce operational risks.

Along with digital transformation, MB also changed its approach to human resource management: instead of “commands”, it is “controlled empowerment”. Each unit is given the right to test new business models, but must measure effectiveness with specific indicators. “Mistakes can be corrected, but we must learn something from them ,” Mr. Pham Nhu Anh once emphasized.

It is this philosophy that makes the difference: A large-scale but flexible organization, where middle managers are able to make quick decisions while maintaining discipline in risk management. MB has become one of the few banks that can maintain a high growth rate while still controlling asset quality well, with a stable capital adequacy ratio (CAR).

Creating long-term value

As the Vietnamese banking industry enters a new competitive cycle, simply expanding credit is no longer an advantage. Under the leadership of Mr. Pham Nhu Anh, MB focuses on three strategic directions: Sustainable growth, comprehensive digitalization and governance according to international standards.

Firstly, MB promotes the application of ESG (environment, social, governance) principles in business operations. The bank is one of the pioneering organizations in implementing the ESG governance framework and issuing green credit, supporting renewable energy projects and energy-saving businesses. This not only helps diversify the credit portfolio but also increases its reputation with international investors.

Second, digital transformation is considered a long-term growth driver. MB invests heavily in technology infrastructure, Big Data analysis and artificial intelligence in risk management, customer care and credit decision making. As a result, labor productivity increases by 20-25% per year, with digital channel transactions accounting for 98.6% of the bank's total transactions.

Third, MB is steadfast in its goal of transparent governance and stable financial performance. The bank has completed Basel III implementation, maintaining a CAR ratio higher than the minimum prescribed level. At the same time, profit growth is linked to cost control, productivity improvement and ensuring liquidity safety ratio.

“In a volatile market, adaptability is vital. Any organization that maintains discipline in management, but is flexible enough to innovate, will be the first to go,” said CEO Pham Nhu Anh.

What is easily noticeable in Mr. Pham Nhu Anh’s leadership style is the combination of systematization and innovation. He considers building corporate culture as the most important “invisible capital”, because only when the team works towards a common goal, can the business maintain long-term growth.

In the overall picture of the banking industry, MB is emerging as a typical example of a modern management model: growth linked to efficiency, innovation coupled with risk control. The success of the bank does not come only from profit figures, but from the way they operate transparently, data-driven and put customers at the center.

With that vision, CEO MB is considered a representative of the new generation of leaders, who consider governance as the foundation, technology as the driving force and sustainable value as the ultimate goal.

Source: https://baolangson.vn/tong-giam-doc-mb-ban-linh-lanh-dao-trong-thoi-chuyen-doi-5061786.html