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MILITARY COMMERCIAL JOINT (MBB) investor relations material
MILITARY COMMERCIAL JOINT Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Total consolidated assets reached VND 1,733,013 billion as of June 30, 2026, up from VND 1,615,764 billion at year-end 2025, reflecting robust growth in lending and investment securities.
Consolidated profit after tax for H1 2026 was VND 16,148 billion, a 29.7% increase year-over-year, driven by higher net interest income and controlled credit costs.
Basic earnings per share for H1 2026 was VND 1,955, up from VND 1,545 in H1 2025.
Financial highlights
Net interest income for H1 2026 was VND 31,807 billion, up 32.2% year-over-year.
Net fee and commission income reached VND 3,514 billion, up 11.5% year-over-year.
Provision expenses for credit losses were VND 7,702 billion, nearly flat year-over-year.
Profit before tax for H1 2026 was VND 20,188 billion, up 27% year-over-year.
Customer deposits increased to VND 963,815 billion from VND 921,368 billion at year-end 2025.
Outlook and guidance
Management continues to focus on expanding lending, maintaining asset quality, and diversifying income streams.
Risk management policies emphasize credit quality, liquidity, and market risk controls.
- Net profit after tax grew 14.4% year-over-year to VND 7,515 billion in Q1 2026.MBB
Q1 202625 May 2026 - Net profit after tax rose 19.3% year-over-year, with strong growth in assets and capital.MBB
Q4 202513 Apr 2026 - TOI rose 24% and PBT 12% YoY in Q3 2025, with NPL stable at 1.9% and CIR at 28%.MBB
Q3 202522 Dec 2025 - Net profit after tax rose 16% year-over-year, with assets and capital both significantly increasing.MBB
Q2 20255 Sep 2025 - Net profit after tax rose to VND 16,350 billion, driven by strong loan and deposit growth.MBB
Q3 202413 Jun 2025 - Net profit after tax rose 10.99% year-over-year to VND 10,697 billion on strong fee and trading income.MBB
Q2 202413 Jun 2025 - Profit after tax rose 7.5% to VND 22,634 billion, driven by robust loan and deposit growth.MBB
Q4 20249 Jun 2025 - Q1 2025 net profit rose 46% year-over-year, with strong growth in assets and capital.MBB
Q1 20256 Jun 2025
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