MB Boss: Private capital is the driving force to create a green - digital - sustainable Vietnam

(Dan Tri) - Mr. Pham Nhu Anh - General Director of MB - talked about the pioneering role of Vietnamese entrepreneurs and the journey of this bank accompanying the Government, creating a digital, green, and sustainable financial system.

This year's Vietnamese Entrepreneurs' Day, October 13, takes place in a special context when a series of major resolutions and policies of the Party and Government have been issued, opening a new development stage for the private economic sector - a force that is becoming the central driving force of the economy.

Along with that, the spirit of "Constructive State - Pioneering Enterprises" is affirmed more strongly than ever, when the business community is given more confidence, mission and opportunity to accompany the Government in the cause of "Public - Private Nation Building".

On this occasion, Mr. Pham Nhu Anh, Member of the Board of Directors and General Director of the Military Commercial Joint Stock Bank (MB) shared with Dan Tri reporters about the meaning of Vietnam Entrepreneurs' Day, the role of the private sector in the journey of national construction, as well as the contributions and sustainable development orientation that the bank is pursuing.

3 pioneering pillars of Vietnamese entrepreneurs and businesses

This year, Vietnam Entrepreneurs Day takes place in a special context, when a series of new resolutions and policies have been issued to encourage and support the business community. How do you see the significance of this occasion?

- This year's Vietnamese Entrepreneurs' Day has a very special meaning as it honors the achievements and contributions of the Vietnamese business community. This occasion also spreads the spirit of innovation, dedication, and service to the nation, with the State accompanying in the new journey of "public and private national construction", creating a strong, prosperous and sustainable Vietnam.

New resolutions and policies issued this year clearly demonstrate the strategic orientation of the Party and Government in strongly empowering the private economic sector - the force that is becoming the central driving force of the Vietnamese economy.

Resolution 68 and Resolution 198/2025 represent important steps, creating a breakthrough mechanism for the private sector - from expanding development space, promoting innovation to improving the efficiency of social resource allocation.

These Resolutions also help increase the efficiency of social resource allocation when tax exemption and reduction policies, support for research and development (R&D), land, infrastructure, etc. help businesses have more room to reinvest, innovate technology, and automate production.

The resolutions also promote innovation. Accordingly, the Party and State encourage the private sector to participate in key sectors such as finance, technology, clean energy, and logistics, while establishing a sandbox mechanism to promote digital transformation and financial technology.

Mr. Pham Nhu Anh, Member of the Board of Directors and General Director of the Military Commercial Joint Stock Bank (Photo: MB).

From the perspective of one of the CEOs of a large private bank in Vietnam, how do you evaluate the role of the business community and enterprises in the current national construction?

- I think that entrepreneurs and businesses are the pioneering force on three pillars: economy, institutions, and society.

Economically, the private sector is asserting its role as a key growth driver, making large contributions to the budget, investing heavily in technology and digital transformation, helping Vietnam keep up with global development.

Institutionally, enterprises become partners accompanying the Government in the "public-private nation building" model, participating in policy implementation, criticism and supervision, contributing to institutional improvement and building a transparent and effective business environment.

In terms of culture and society , entrepreneurs not only create wealth, but also inspire and spread the spirit of “devoting to the nation and serving the community”. For example, the spirit of sustainable development and ESG responsibility is becoming the new standard of the Vietnamese business community.

For over 31 years, MB's orientation and strategy have always been closely linked to the national development orientation. Our major transformations are not only internal progress, but also a mark on the journey of accompanying the Government and the business community for a fast, sustainable and self-reliant Vietnam.

We always define our mission as not only a commercial bank but also a strategic partner of the Government and businesses in creating a strong, digital and sustainable financial system for the country.

Mr. Pham Nhu Anh talks about the pioneering role of Vietnamese entrepreneurs (Photo: MB).

Can you share some specific milestones that MB has contributed to national projects (e.g. infrastructure, energy, defense, digital transformation, ESG…)?

- At MB, we have made a major transformation in our governance and operations by choosing smart governance and sustainable development. We operate according to a centralized, advanced governance model, taking data as the foundation, measurement as an improvement tool, and technology as a lever for decision-making.

The Bank is one of the pioneering organizations in Vietnam to complete Basel II (3 pillars) from 2020 and comply with Basel III regulations from 2024, affirming its risk management capacity according to international standards.

MB applies data modeling and predictive analysis to help identify and automatically warn of risks.

We also integrate ESG into the entire strategy, from product development, risk management to internal operations, aiming for a "green bank - sustainable development" model in line with international practices and the Government's green growth orientation.

4 new driving forces to help Vietnam break through

Currently, the Politburo's Resolutions have focused on promoting the internal strength of the private economy. In your opinion, what role can the banking system, including your unit, play to make private capital flow more strongly into the country's priority areas?

- Promoting the internal strength of the private sector is an important pillar in the national development strategy. As a key commercial bank, we not only provide capital, but also act as a “bridge” between finance, technology and knowledge, accompanying the Government and the business community in the process of digitalization, greening and integration into the national value chain.

At MB, we are focusing on “greening” capital flows, directing private cash flows into sustainable development.

Our bank considers green finance and ESG as a long-term strategic direction, aiming to guide private capital flows into the Government's priority areas, such as renewable energy, green infrastructure and green transportation. Green loans not only contribute to reducing carbon emissions, but also demonstrate the proactive role of the financial sector in implementing Vietnam's Net Zero 2050 commitment.

The bank's outstanding green credit and ESG investment reached about VND65,000 billion/year (accounting for 8% of total outstanding loans), of which renewable energy and clean energy accounted for VND45,700 billion. Some typical projects sponsored by MB include the Savan 1 Wind Power Project (Savannakhet, Laos). In this project, MB sponsored VND5,500 billion for T&T Group, contributing to the implementation of the VIII Power Plan, ensuring a stable power source for Northern Vietnam.

Or at the Phuoc Huu - Duyen Hai 1 Wind Power project (Ninh Thuan), the bank sponsored 800 billion VND, adding renewable energy sources to the national power system.

With Vingroup Corporation, MB sponsors about VND9,700 billion for green transportation and vehicle projects, including VND5,000 billion for GSM electric taxis and VND4,700 billion (USD180 million) for VinFast electric vehicle production.

Mr. Pham Nhu Anh talks about the pioneering role of entrepreneurs in creating a digital - green - sustainable financial system (Photo: MB).

For small and medium enterprises (SMEs) and business households to have access to capital, technology, and comprehensive data, we are implementing a series of solutions.

For small traders and individual businesses, we provide digital solutions on mobile platforms; smart sales management applications, order management support, electronic invoice issuance, tax declaration right on the phone; payment speakers...

For corporate clients, we accompany them in transforming their operational, financial and administrative models, through a digital platform, deploying a fully automated credit product for micro SMEs, allowing the system to automatically screen, score and approve loans without manual intervention. This solution helps expand access to formal capital for hundreds of thousands of small private enterprises, which is the sector that creates more than 60% of jobs and contributes greatly to GDP.

Can you share MB's vision for 2030 - especially in accompanying the Government to realize the goal of rapid, sustainable and self-reliant national development?

- The 4.0 industrial revolution, with a focus on artificial intelligence (AI), is taking place strongly, deeply impacting all areas of life and the economy. MB believes that AI, big data, renewable energy and circular economy will be the four new driving forces to help Vietnam make a breakthrough in the 2026-2030 period of rapid, sustainable and self-reliant growth.

The bank will continue to invest heavily in AI, big data, cybersecurity, and expand cooperation to promote cashless payments, electronic identification, and inclusive digital finance.

At the same time, we firmly implement the ESG strategy with the spirit of dedication and devotion "for the development of the country, for the benefit of customers", accompanying businesses in greening capital flows, prioritizing environmentally friendly projects, clean energy and sustainable development, contributing to spreading ESG values ​​and promoting green growth for the economy.

If you were to send a message to the Vietnamese business community on October 13, what would you say?

- In the new period, when the country enters the journey of digital transformation, greening the economy and deep integration, each enterprise not only needs the courage to overcome challenges, but also needs long-term thinking, a spirit of cooperation and a desire to serve.

I have always believed that a prosperous nation can only be built by strong businesses, people with aspirations and a spirit of service. We are committed to accompanying the Vietnamese business community, providing pioneering financial and technological solutions, joining hands to realize the aspiration of Vietnam to develop rapidly, sustainably and self-reliantly.

I would like to express my gratitude to the entire Vietnamese business community and wish Vietnamese businessmen to always keep their faith, nurture their aspirations and continue to write success stories with the Vietnamese mark on the world map.

Thank you!

Source: https://dantri.com.vn/kinh-doanh/sep-mb-dong-von-tu-nhan-la-dong-luc-kien-tao-viet-nam-xanh-so-ben-vung-20251012191911804.htm