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MILITARY COMMERCIAL JOINT (MBB) investor relations material
MILITARY COMMERCIAL JOINT Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Achieved strong growth in Q3 2025 with TOI up 24% year-over-year and PBT up 12% despite higher provision expenses (+82%).
Maintained high efficiency with ROE at 20% and ROA at 2.0%, positioning among the top in the industry.
CASA ratio at 37% and NPL ratio controlled at 1.9% for the group, with a target to keep NPL below 2%.
Financial highlights
TOI reached VND 48.2 trillion (+24% YoY); NII grew 23.5%, NFI surged 40.5%.
Pre-provision profit increased by 28.1%; PBT rose 12% YoY.
Revenue and NII growth driven by strong credit expansion and improved lending rates.
CIR improved to 28% in Q3 2025 from 31% at end-2024.
Total consolidated assets up 18% from end-2024; customer loans and corporate bonds up 18.5%.
Outlook and guidance
NPL will continue to be strictly managed in 2025, targeting 1.5% for the bank and 1.7% for the group by year-end.
CAR ratio (Cir.41) at 11.7%, supporting future capital needs and balancing profitability and risk.
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Next MILITARY COMMERCIAL JOINT earnings date
Q4 202531 Mar, 2026
Next MILITARY COMMERCIAL JOINT earnings date
Q4 202531 Mar, 2026
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Frequently asked questions
Military Commercial Joint Stock Bank is a Vietnam-based financial institution providing banking and financial services to individuals, businesses, and government entities. The bank offers a range of products, including retail and corporate banking, loans, deposits, payment services, wealth management, and digital banking solutions. It also provides insurance, asset management, and investment banking services through its subsidiaries. MBBank operates a network of branches and digital platforms to serve customers across Vietnam and selected international markets. The company is headquartered in Hanoi, Vietnam, and its shares are listed on the HOSE.
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