According to Vietcombank Securities Company Limited (VCBS), with its corporate model and dynamic business strategy, MB is a pioneer in digital transformation, leading in the number of customers and the rate of non-term deposits (CASA). Credit continues to grow among the highest in the industry, and it is estimated that MB can achieve a credit growth rate of 28% in 2025 thanks to the push from both wholesale and retail credit. Meanwhile, MB continues to be prioritized for credit growth 1.5-2 times faster than the industry average thanks to the mandatory transfer of OceanBank (now renamed Modern Vietnam One Member Limited Liability Bank - MBV).

VCBS also assessed that MB's net interest margin (NIM) is expected to improve to 4.3% thanks to an increase in the CASA ratio (currently at 38%, the highest in the industry with a balanced structure from both individual and corporate customers). At the same time, MB has the opportunity to improve its profitability when customers return to repay their debts. In addition, MB is promoting the increase in the proportion of retail loans to 50% of outstanding loans (currently accounting for 43%), especially in the consumer finance segment with Mcredit. With the number of individual customers increasing rapidly, currently reaching over 30 million customers and benefits from a comprehensive financial ecosystem, MB's cross-selling service activities will recover well in 2024 and are expected to continue to contribute positively to non-interest income. It is expected that in 2025, MB will continue to control bad debt below 1.7% thanks to MB's customers gradually recovering their debt repayment resources as the economy accelerates in the coming quarters and some large customers such as Novaland and Trung Nam are accelerated to resolve legal issues.

As one of the leading joint stock commercial banks, over the past 30 years of development, MB is proud of the great values ​​it has brought to customers, shareholders and society. The total value of MB Group's contribution to the state budget since its establishment is nearly 30,000 billion VND; contributions to gratitude and social security with a total amount of more than 2,000 billion VND. By the end of 2024, MB's outstanding credit balance reached about 790,000 billion VND, an increase of 21.3% compared to 2023. In addition, MB has provided capital for key projects, actively participating in funding many important projects of the State and the Army. Regarding credit orientation in 2025, MB prioritizes at least 50% of the credit growth limit for retail and small and medium enterprises, the rest for large enterprises; Continue to focus credit on manufacturing enterprises and priority sectors of the Government.

Source: https://www.qdnd.vn/kinh-te/tai-chinh/suc-hut-tu-co-phieu-mbb-825007