MILITARY COMMERCIAL JOINT (MBB) Q2 2025 earnings summary

Executive summary

• Consolidated total assets reached VND 1,289,644 billion as of 30 June 2025, up from VND 1,128,801 billion at year-end 2024.

• Net profit after tax for H1 2025 was VND 12,445 billion, a 16.0% increase year-over-year.

• Charter capital increased to VND 61,023 billion following a share issuance.

Financial highlights

• Net interest income for H1 2025 was VND 24,064 billion, up 22.8% year-over-year.

• Net fee and commission income reached VND 3,151 billion, up 37.0% year-over-year.

• Profit before tax for H1 2025 was VND 15,889 billion, up 18.3% year-over-year.

• Basic earnings per share for H1 2025 was VND 2,039, compared to VND 1,450 in H1 2024.

• Customer deposits rose to VND 783,292 billion, up from VND 714,154 billion at year-end 2024.

Outlook and guidance

• The bank continues to focus on diversified financial services and risk management, aiming for sustainable growth and improved profitability.