Vietnam’s financial market has been grappling with significant exchange rate fluctuations, with the local currency depreciating by up to 2.5% – 2.9%. The central exchange rate of VND/USD reached 26,110–26,300 VND per USD, putting immense financial pressure on both large corporations and small to medium-sized enterprises.
Exchange Rate Volatility: A Multi-Faceted Challenge for Businesses
Many large enterprises, having borrowed in foreign currencies or engaged in import payments, faced a sudden surge in debt repayment costs due to the VND’s volatility. This not only increased financial strain but also eroded profit margins, significantly impacting both short-term and long-term financial health.
Even businesses operating solely in VND were not spared, as they confronted rising costs of imported raw materials. The exchange rate pressure led to escalating production costs, disrupted cash flow, and capital shortages, resulting in increased debt burdens, higher non-performing loan ratios, and adverse effects on financial statements.
To alleviate these challenges, the government introduced various supportive policies, attracting substantial foreign direct investment (FDI) into Vietnam, particularly in key industrial zones. Despite global uncertainties, FDI commitments in Vietnam reached over $20 billion by the end of Q3 2025.
The development of production infrastructure, expansion of factories, and establishment of modern supply chains require stable, long-term capital.
MB Bank recognizes this as an opportune moment to introduce comprehensive financing packages, including land lease financing in industrial zones and large-scale investment capital, enabling businesses to access funds, expand production, and optimize operational cash flow.
Tailored Financial Solutions
For large enterprises, MB offers a robust suite of solutions, including unsecured working capital products that provide flexible credit based on actual cash flow capabilities. This is complemented by medium to long-term financing for development and factory expansion, as well as land lease financing in industrial zones for strategic infrastructure investment.
MB’s solutions empower businesses to enhance working capital, alleviating financial pressure.
Mr. Phuc, owner of a paper manufacturing company in Hanoi, shared: “With the government’s approval of direct transport routes from China to Bac Giang, bypassing complex customs procedures, and MB’s support, particularly in land lease financing and working capital, we swiftly completed land leasing procedures, initiated construction, and are set to commence trial production in November.”
For small and medium-sized enterprises, MB provides flexible working capital packages tailored to actual operational needs. The bank also offers the “Outright Purchase Without Recourse of Domestic L/C Documents” product, enabling businesses to manage cash flow proactively, accelerate capital turnover, and reduce debt reporting on financial statements—a crucial advantage in a tight liquidity market.
MB’s “Outright Purchase Without Recourse of Domestic L/C Documents” product shortens accounts receivable collection time, optimizes cash flow, and reduces working capital requirements through flexible payment terms and efficient payables management.
Ms. Tran Thi Nga, Sales Director of a feed supply chain, remarked: “Since adopting MB’s L/C document purchase product, our capital recovery time decreased from 45 days to just 20 days, boosting capital turnover by 125%. Consequently, in the first 8 months of this year, our company and partners exported 218% more tilapia, replacing shrimp and pangasius affected by heavy tariffs, thereby maintaining healthy profits.”
MB’s financing packages not only ensure liquidity and operational stability but also enhance investment capacity amidst heightened exchange rate risks and tariff uncertainties. Optimizing capital, balancing costs, and implementing proactive internal financial strategies have become essential for businesses to seize recovery and growth opportunities.
For more details on MB’s comprehensive financial solutions for businesses, please visit https://www.mbbank.com.vn/50/811/san-pham/tin-dung-bao-lanh
Businesses can contact MB’s 24/7 hotline at 1900 9045 or visit the nearest MB branch/transaction office for personalized advice from MB’s expert team.
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