MILITARY COMMERCIAL JOINT (MBB) Q4 2025 earnings summary

Executive summary

• Achieved strong growth in total assets, loans, and deposits for the year ended 31 December 2025 compared to 2024.

• Net profit after tax increased by 19.3% year-over-year, driven by higher net interest and fee income.

• Two share issuances for dividend payment raised charter capital to VND 80,549,999 million.

Financial highlights

• Total assets reached VND 1,615,763,927 million, up from VND 1,128,801,062 million year-over-year.

• Loans to customers grew to VND 1,084,019,370 million, a 39.6% increase from 2024.

• Deposits from customers rose to VND 921,368,132 million, up 29% year-over-year.

• Net interest income was VND 51,610,117 million, up 25.4% year-over-year.

• Net profit after tax attributable to shareholders was VND 26,778,939 million, up from VND 22,633,757 million.

• Basic earnings per share increased to VND 3,325 from VND 2,589.

Outlook and guidance

• No material events after the reporting period affecting financial position.

• Continued focus on diversified financial services and risk management.