During the development process, MB pursues the strategy of building a multi-layered ecosystem to create sustainable value for customers. Starting from a bank serving the military, MB inherits the value of "discipline, dedication, trust" and transforms it into the DNA that operates the entire system. This is a platform that helps MB maintain its identity and strengthen customer trust when expanding to new segments.
Diversifying the product and customer ecosystem
For more than 30 years, MB has developed product packages that closely follow the needs of each user group, solving specific "calculation" problems. For the armed forces, the bank builds a "Propertyombo for the military" as a financial solution for the entire life journey, including preferential savings, installment loans, multi-function military cards and digital banking.
Not stopping at the traditional group, MB expands the financial ecosystem to many segments. The MBBank App currently records nearly 35 million accounts. For priority customers, MB deploys MB Praland - a financial solution to serve the need for real estate financing, accompanied by specialized consultation. This service helps increase the quality of family assets, in line with new urban trends.
For young customers, MB develops MB Junior to help form the habit of managing money early. The bank also provides modern credit cards with entertainment, shopping, and travel incentives, helping users save on consumer spending without creating financial pressure.
In the group of enterprises, MB is a strategic partner of large corporations, small enterprises and business households. For large enterprises, the BIZ MBBank digital platform digitizes the entire process from loans to L/C issuance, shortening processing time up to 10 times. Reducing waiting time and accelerating cash flow circulation is the key value that the economy needs, shared a MB representative.
Along with that, the "Competentombo - Becoming a business is not difficult" package supports business households to convert to a business model, with attractive account incentives, free transactions and sales management tools.
In October, MB launched the "Extending worries - Reducing burdens" package for small traders, providing flexible capital sources, competitive interest rates and supporting free VietQR payments. The solution helps small traders rotate capital, optimize costs and manage cash flow effectively, thereby increasing economic resilience. The bank also deploys utilities such as rainfall weather insurance, mSeller, payment speakers... to support business households in complying with Decree 70.
These efforts help MB maintain its position in the group of 5 largest banks in Vietnam in digital transformation and operational efficiency. In 2025, MB will be in the Top 5 banks contributing the most to the state budget for the first time. 6-month pre-tax profit reached nearly VND 15,900 billion, up 18.3% over the same period, reflecting the effectiveness of the investment strategy instead of floating growth.
MB representative said that the multi-layered ecosystem strategy is not to expand to "hold everything", but to focus on long-term value creation points. We do not consider banks as a place to provide capital, MB aims to become a part of the financial life of each citizen, said the representative.
Creating sustainable values from the community associated with social responsibility
In parallel with business activities, MB maintains many social security programs, including the Volunteer App platform launched in 2021 under the direction of the Ministry of Science and Technology, in coordination with MB and the Vietnam Red Cross Society. This is a new direction for digital charity activities. The application currently has more than 2 million accounts and about 2,000 prestigious organizations and individuals accompanying in many major campaigns such as "65 years of Vietnam - Cuba" , HiGreen "Million green milestones - A pillar of trust" ...
This platform shows MB's technological capacity and contributes to the goal of sustainable development, where technology becomes a bridge of compassion.
By designing "tailored" solutions for each customer group - from soldiers, young people, small traders to businesses - combined with social responsibility, MB is shaping the image of a close, sustainable and comprehensive bank. This is the foundation that helps MB consolidate its position as a "Big 5", aiming to become a "Digital Enterprise, Leading Financial Group".
