Moody's Ratings stated the assessment reflects MB's stable financial capacity, high operational efficiency, and strengthened funding base. The agency maintained the bank's baseline credit assessment (BCA) at Ba3, indicating a positive outlook for sustainable growth in the coming period.

MB's headquarters building. *Photo: MB*

Moody's noted that MB's profitability remains high compared to many banks of similar size. Additionally, its funding capacity continues to improve, with the bank's deposit market share projected to increase to about 5% of the total system by the end of 2025, up from approximately 3% in 2021.

The rating agency also upgraded its assessment of government support from Vietnam for MB from "Moderate" to "High," reflecting the bank's growing importance within the financial system. According to Moody's, the shareholder structure, closely linked to the state, continues to strengthen MB's credit profile, with state-owned enterprises holding approximately 48% by the end of 2025.

An MB representative stated that the upgrade by Moody's to Ba2 strengthens the confidence of customers, investors, and international partners. It also creates favorable opportunities for the bank to expand business operations and enhance its fundraising capacity in the international market.

By the end of Quarter I/2026, MB reported consolidated total assets exceeding 1.61 trillion dong. The bank consistently maintains a prudent and disciplined risk management approach, keeping operational safety indicators at high levels.

According to a company representative, MB's growth is driven by its comprehensive digitalization strategy and rapidly expanding customer base. The bank currently serves over 36 million domestic and international customers and records a large volume of transactions on digital platforms, thereby solidifying its position among leading financial institutions in digital transformation in Vietnam.

Established in 1994, MB operates in retail banking, corporate banking, investment banking, and digital financial services. The bank is expanding its digital ecosystem with a focus on sustainable growth, promoting financial inclusion, and gradually integrating ESG standards into its business operations, aiming to contribute to Vietnam's green transition.

Thai Anh