The information was shared by the bank's head at an investor conference on 2/2. Regarding gold trading, MB's leadership stated that the bank is ready with its technology infrastructure and operational procedures, awaiting regulatory approval and quota allocation for official implementation. MB's strategy does not target large-scale gold bar hoarding but focuses on mass-market customers with a micro-savings model.

"MB's goal is to help low-income individuals, with as little as VND 50,000, save gold for future goals such as weddings or nest eggs, avoiding the pressure of buying gold when prices surge", Thai shared.

Currently, the accumulated gold buying and selling features have been completed on MB's digital banking application and are expected to be piloted internally for employees before expanding to the market.

Luu Trung Thai speaking at the event. Photo: MB

In addition to gold, MB also intends to participate in the digital asset market. However, the bank's leadership acknowledges this is a high-risk sector, requiring complex technical expertise and stringent technology safety standards.

"We prioritize the highest possible level of technological safety. While 100% assurance is impossible, we must approach maximum safety. This is a challenging problem, yet it is precisely why MB chooses to pursue it, because if it were easy, there would be no competitive advantage", Thai emphasized.

To address the infrastructure challenge, MB has signed a cooperation agreement with Dunamu Group, the operator of South Korea's largest digital asset exchange. According to the bank's leadership, this partnership aims to meet the demands for high-speed transaction processing, a factor that far exceeds traditional banking operational standards.

Luu Trung Thai also affirmed that MB will not directly invest in or trade cryptocurrencies to avoid price volatility risks. Instead, the bank positions itself as an infrastructure provider and "transaction banking" service for digital asset exchanges, ensuring transparent, secure, and legally compliant cash flows.

MB's leadership attending the investor conference, 2/2. Photo: MB

During the event, the bank's leadership also announced business results and development orientations for 2026 to investors. The bank's total assets in 2025 reached approximately VND 1.6 quadrillion, an increase of about 43% compared to 2024. This marked the first year that both MB's credit and capital mobilization simultaneously surpassed the VND 1 quadrillion mark. Specifically, consolidated credit increased by 37% (the parent bank alone increased by 35%), while capital mobilization grew by 32%.

Profitability indicators remained among the highest in the system, with ROE reaching 21,15%, ROA above 2%, and NIM at 4,03%. Current account savings account (CASA) increased by 24%, reaching VND 348 trillion, placing it among the market's top performers. Total operating income in 2025 was approximately VND 67.7 trillion, with non-interest income accounting for 24%.

The year 2025 also marked the first time that revenue from digital channels accounted for over half of MB's total revenue, reaching VND 25.6 trillion, a significant increase from 35,6% in 2024. Digital channel disbursement volume reached VND 822 trillion, doubling the previous year and 9 times higher than in 2023.

Consolidated non-performing loan (NPL) ratio decreased to 1,29%, with the parent bank's ratio at 1,13%. NPL coverage ratio reached 100% at the parent bank and 94% across the entire group. The capital adequacy ratio (CAR) remained above 11%. MB's pre-tax profit in 2025 reached VND 34.268 trillion, an increase of 19% compared to the previous year, placing the bank in the "club" of enterprises with profits exceeding VND 30 trillion in Vietnam.

By the end of 2025, MB acquired 4,8 million new customers, increasing its total customer base to 35 million, equivalent to one-third of Vietnam's population. The digital transaction rate reached 99%, indicating a complete shift in user habits towards online platforms.

Ngoc Le