MB Bank reports high credit growth and improved bad debt ratios

Military Commercial Joint Stock Bank (MB) has reported significant financial growth for 2025, with credit increasing by approximately 37% to nearly 1.1 quadrillion VND. The bank's pre-tax profit reached 34,268 billion VND, an 18.9% increase, while maintaining a Return on Equity (ROE) of 21.1%.

Despite the rapid credit expansion, the bank has managed to control asset quality, with the consolidated bad debt ratio decreasing from approximately 1.6% to 1.3%. However, the absolute scale of bad debt remains high at roughly 14,027 billion VND.

Pham Thi Trung Ha, Deputy General Director and Chief Risk Officer at MB, operates at the intersection of this growth and risk management. The bank's ability to maintain low bad debt ratios while pursuing high-speed credit growth is a key component of its current financial performance.