•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
MB Bank has taken the No. 1 position in short-term working-capital lending to SMEs in the Pharma–Medical Devices and Electrical Equipment sectors, according to updated data from the National Credit Information Center (CIC). The bank also ranks in the top four for short-term lending in large-scale sectors including Construction, Mechanical Engineering, Consumer Goods, and Plastics.
The CIC ranking consolidates enterprise customers grouped by sector, using data updated within the last 12 months. MB’s performance is cross-checked with additional information from major banks to support multi-dimensional relevance at the time of assessment and disclosure.
In Pharma–Medical Devices, MB leads short-term lending. In Electrical Equipment, MB also holds the top position. For other large-scale sectors, MB is among the leading lenders in short-term financing, including Construction, Mechanical Engineering, Consumer Goods, and Plastics.
MB’s lending approach emphasizes financing based on cash flow and value-chain dynamics rather than relying solely on collateral. This model is designed to support SMEs as projects progress and as business cycles shift, helping improve capital efficiency.
For Pharma–Medical Devices, MB offers financing options linked to production plans, orders, and cash flow, including:
For Electrical Equipment, MB supports both the full project lifecycle and the regular production cycle. The bank provides project-specific financing and credit lines based on plans, orders, and cash flow from sales. MB can provide up to 100% working-capital financing with collateral, aligned to the enterprise’s business plan and operating capacity.
Experts cited the operational and cash-flow characteristics of these sectors as key drivers of demand for tailored financial solutions.
In Pharma–Medical Devices, growth is expected to continue as healthcare demand rises. However, cash flow and liquidity pressures persist because companies often finance imports, build inventory, and meet stringent standards. Payment cycles from hospitals and insurers may take 90–120 days.
In Electrical Equipment, financing needs are shaped by long project cycles, input-price volatility, and substantial working-capital requirements to capture energy-project opportunities. The implementation of the VIII Electricity Planning and a shift toward renewable energy are expected to boost capital demand in the near term.
Beyond the two leading sectors, MB is building its presence in other large-scale areas with financing solutions designed for different project stages and cash-flow patterns.
The Construction sector offers growth potential supported by public investment and infrastructure development, with capital needs concentrated on large projects. The road-network development plan for 2021–2030 (with a vision to 2050) aims to expand expressways and national highways, requiring trillions of VND. Financing is complicated by complex cash-flow structures, long project timelines, upfront funding requirements, and risks such as material-price volatility and land clearance, which can raise financing and interest costs.
MB provides financing solutions ranging from guarantees to loans and cash-flow management tailored to project stages to optimize contractor cash flow.
The Mechanical Engineering sector, described as the industrial production backbone, relies heavily on imports, with 70–80% of inputs and machinery sourced from markets such as China, Japan, and Korea. Stringent technical and quality standards contribute to substantial working-capital needs and continuous cash-flow requirements, alongside advanced technical capabilities.
For Consumer Goods and Plastics, MB highlights its support for seasonal demand, input-cost fluctuations, competitive pressures, and the expansion of distribution channels and e-commerce.
The article frames the broader challenge for SME financing as not only providing access to credit, but also delivering the right structure and timing aligned with real cash flows. With SMEs accounting for a dominant share of the economy but often facing limitations in collateral and traditional credit access, data- and cash-flow-based financing models are presented as an increasingly natural trend.
MB’s multiple top positions across key sectors are described as strengthening its role as a partner for SME growth, combining lending scale with sector-specific product design and customer understanding.
Dịch vụ: Minh Tài; Fili; 09:50 07/05/2026
Premium gym chains are entering a “golden era” that is ending or already in decline, as rising operating costs collide with shifting consumer preferences toward more flexible, community-based ways to exercise. Long-term memberships are shrinking, margins are pressured by higher rents and facility expenses, and competition from smaller, more personalized…
