In 2025, MB’s core operations surged by 25% year-on-year, generating a net interest income of VND 51,610 billion.
Service revenue profits skyrocketed by 51%, reaching nearly VND 5,679 billion, fueled by a 3.5-fold increase in consulting fees and an 11% rise in insurance-related income.
Other operating profits climbed 63% to VND 5,314 billion, driven by VND 4,142 billion from resolved debts (+69%) and VND 295 billion from derivative financial instruments.
Some non-interest income streams declined compared to the previous year, including foreign exchange trading, investment securities, and trading securities.
Operating expenses rose 16% to VND 19,681 billion, yet net profit from operations still grew 25% to VND 48,011 billion.
MB provisioned VND 13,743 billion for credit risk, a 44% increase. Despite this, pre-tax profit exceeded VND 34,268 billion, up 19% year-on-year, surpassing the annual target of VND 31,712 billion by 8%.
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Q4 and 2025 Business Results of MBB. Unit: Billion VND
Source: VietstockFinance
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MB’s total assets by year-end 2025 soared 43% to over VND 1,600 trillion. Notably, customer loans jumped 40%, surpassing VND 1,000 trillion. Deposits at the State Bank rose sharply to VND 68,494 billion (2.3 times year-start), while interbank deposits and loans reached VND 182,923 billion (2.4 times higher).
On the funding side, customer deposits grew 29% to VND 921,368 billion. Government and SBV borrowings increased to VND 47,474 billion (5.8 times year-start).
Total bad debts as of 31/12/2025 stood at VND 14,027 billion, up 11% year-on-year. Substandard and doubtful debts improved, with the NPL ratio dropping from 1.62% to 1.29%.
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Loan Quality of MBB as of 31/12/2025. Unit: Billion VND
Source: VietstockFinance
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– 16:13 30/01/2026
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