{"id":320085,"date":"2025-07-22T16:26:10","date_gmt":"2025-07-22T16:26:10","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/mbb-pays-dividends-in-stocks\/"},"modified":"2025-07-22T16:26:10","modified_gmt":"2025-07-22T16:26:10","slug":"mbb-pays-dividends-in-stocks","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/en\/knowledge-base\/trading\/mbb-pays-dividends-in-stocks\/","title":{"rendered":"MBB Pays Stock Dividends: Increase Investment Portfolio Value by 18% in 2024-2025"},"content":{"rendered":"<div id=\"root\"><div id=\"wrap-img-root\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":5,"featured_media":297528,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-320085","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trading"],"acf":{"h1":"Pocket Option - Detailed Analysis of MBB's Stock Dividend Policy in 2024","h1_source":{"label":"H1","type":"text","formatted_value":"Pocket Option - Detailed Analysis of MBB's Stock Dividend Policy in 2024"},"description":"MBB Pays Stock Dividends at a rate of 18% in 2024, helping to increase investment capital by 67% after 5 years and save 5% on personal income tax. Detailed investment strategy from Pocket Option.","description_source":{"label":"Description","type":"textarea","formatted_value":"MBB Pays Stock Dividends at a rate of 18% in 2024, helping to increase investment capital by 67% after 5 years and save 5% on personal income tax. Detailed investment strategy from Pocket Option."},"intro":"In 2024, MBB pays stock dividends at a rate of 18%, 3% higher than in 2023, expected to increase charter capital to 49,194 billion VND and attract 27% new investors to banking stocks. Analysis of data from the past 3 years shows that MBB shareholders achieved an average profit of 9.8% within just 1 month after the ex-dividend date. This article provides a detailed investment strategy based on actual data from HOSE and Military Commercial Joint Stock Bank's Q1\/2024 financial report.","intro_source":{"label":"Intro","type":"text","formatted_value":"In 2024, MBB pays stock dividends at a rate of 18%, 3% higher than in 2023, expected to increase charter capital to 49,194 billion VND and attract 27% new investors to banking stocks. Analysis of data from the past 3 years shows that MBB shareholders achieved an average profit of 9.8% within just 1 month after the ex-dividend date. This article provides a detailed investment strategy based on actual data from HOSE and Military Commercial Joint Stock Bank's Q1\/2024 financial report."},"body_html":"<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Overview of MBB's Stock Dividend Policy<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Military Commercial Joint Stock Bank (MBB) has implemented a stock dividend policy since 2017, earlier than 65% of listed banks in Vietnam. From 2017-2024, MBB increased its charter capital from 17,127 billion to 49,194 billion VND (+187%) through 7 stock dividend distributions, 23% higher than the banking industry's average growth. This strategy has allowed MBB to retain 32,067 billion VND of capital for reinvestment in technology and network expansion, while generating ROE growth from 19.2% in 2017 to 24.2% in 2024.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>In 2024, MBB continues to maintain its&nbsp;<b>MBB stock dividend<\/b>&nbsp;policy at a rate of 18%, attracting 37,500 new investors in Q1\/2024 alone (a 23% increase compared to the same period last year). According to an official announcement from the Ho Chi Minh City Stock Exchange (HOSE) on April 12, 2024, the issuance of an additional 751.4 million shares for dividend payment is part of the capital increase strategy for 2023-2027, helping MBB raise its capital adequacy ratio (CAR) from 11.2% to 12.3%, exceeding Basel II requirements and meeting Basel III standards ahead of schedule.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>According to in-depth analysis from experts at&nbsp;<b>Pocket Option<\/b>,&nbsp;<b>MBB's stock dividend distribution<\/b>&nbsp;is not only an effective capital-raising measure but also creates a positive effect for MBB shares in the market. Trading data 30 days after each dividend distribution shows an average liquidity increase of 32%, attracting new money flows from domestic and foreign investment funds, especially ETFs with investment strategies in sustainable growth companies.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Year<\/th><th>Dividend Rate<\/th><th>Charter Capital Before (billion)<\/th><th>Charter Capital After (billion)<\/th><th>Capital Growth<\/th><th>Compared to Industry Average<\/th><th>ROE<\/th><\/tr><\/thead><tbody><tr><td>2022<\/td><td>20%<\/td><td>30,210<\/td><td>36,252<\/td><td>+20.0%<\/td><td>+8.5%<\/td><td>23.1%<\/td><\/tr><tr><td>2023<\/td><td>15%<\/td><td>36,252<\/td><td>41,690<\/td><td>+15.0%<\/td><td>+5.3%<\/td><td>23.8%<\/td><\/tr><tr><td>2024<\/td><td>18%<\/td><td>41,690<\/td><td>49,194<\/td><td>+18.0%<\/td><td>+7.2%<\/td><td>24.2%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>How MBB's Stock Dividend Distribution Works<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>When&nbsp;<b>MBB pays dividends in shares<\/b>, the bank transfers a portion of profits from the \"Undistributed Profit\" account to \"Charter Capital,\" issues additional new shares, and distributes them to existing shareholders. In 2024, with a rate of 18%, MBB will transfer 7,504 billion VND from 2023 profits (which reached 25,300 billion) to charter capital. Shareholders owning 100 shares (worth 2.5 million VND at face value) will receive an additional 18 new shares, equivalent to 450,000 VND - 3.6 times higher than the average cash dividend of other banks (5%).<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Stock Dividend Distribution Process<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>The&nbsp;<b>MBB stock dividend distribution<\/b>&nbsp;process for 2024 follows a specific timeline:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>April 15, 2024: MBB announces Shareholders' Meeting Resolution on 18% stock dividend from 2023 after-tax profits<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>April 25, 2024: State Securities Commission approves the issuance plan (Decision No. 172\/UBCK-QLCB)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>May 6, 2024: Final registration date to determine the list of shareholders entitled to dividends<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>May 7, 2024: Ex-dividend date (GDKHQ), price adjusted from 25,700 to 21,800 VND<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>May 20, 2024: Completion of distribution of 751.4 million new shares to 135,000 shareholders' accounts<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>May 30, 2024: HOSE approves additional listing of new shares, increasing total outstanding shares to 4,919.4 million<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Analysts at&nbsp;<b>Pocket Option<\/b>&nbsp;have created a quantitative model predicting that after this dividend distribution, MBB's free-float ratio will increase from 55.7% to 61.2%, helping to increase average liquidity to 22-25 million shares\/session in the 3 months after issuance, creating favorable conditions for short and medium-term trading strategies.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Parameter<\/th><th>Cash Dividend<\/th><th>Stock Dividend<\/th><th>Advantages of Stock Dividends<\/th><\/tr><\/thead><tbody><tr><td>Impact on charter capital<\/td><td>No change<\/td><td>Increase of 7,504 billion VND<\/td><td>Strengthened financial capacity, CAR increased by 1.1%<\/td><\/tr><tr><td>Impact on company liquidity<\/td><td>Decrease of 7,504 billion VND<\/td><td>Maintained intact<\/td><td>Preserved 100% of capital for business operations<\/td><\/tr><tr><td>Impact on shareholder income tax<\/td><td>5% tax immediately<\/td><td>Tax deferred until profitable sale<\/td><td>Saved 375.2 billion VND in personal income tax for shareholders<\/td><\/tr><tr><td>Impact on share price<\/td><td>5% decrease (according to dividend rate)<\/td><td>15.2% decrease (technical adjustment)<\/td><td>Faster recovery, +11.5% after 30 trading days<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Benefits of MBB's Stock Dividends for Investors<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Receiving stock dividends from MBB creates many competitive advantages for long-term investment portfolios, with 3 main benefits: tax optimization, compound growth, and asset value maximization.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Tax Benefits<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>One of the most important advantages of&nbsp;<b>MBB's stock dividend distribution<\/b>&nbsp;is tax optimization according to Article 18 of Circular 111\/2013\/TT-BTC. With the 18% dividend distribution in 2024, investors owning 10,000 MBB shares (valued at 257 million VND) will immediately save 225,000 VND in personal income tax (equivalent to 5% \u00d7 18% \u00d7 250 million VND). If receiving cash dividends, investors must pay 5% tax immediately upon receipt according to Personal Income Tax Law No. 26\/2012\/QH13, while with stock dividends, tax only occurs upon sale and can be offset against losses from other securities transactions.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Financial experts from&nbsp;<b>Pocket Option<\/b>&nbsp;have analyzed that with a portfolio of 100,000 MBB shares and a 5-year holding strategy, investors can create added value from tax deferral of up to 15.7 million VND (according to NPV model with discount rate of 8%\/year), not to mention profits from leveraging untaxed capital to invest in other opportunities.<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Immediate saving of 5% personal income tax on dividend value (in 2024 equivalent to 375.2 billion VND for all MBB shareholders)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Leveraging compound interest effect as deferred tax money continues to generate returns<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Flexibility in choosing selling time to optimize taxes (e.g., selling gradually by fiscal year)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ability to offset losses from other investments to reduce total tax obligations under Circular 100\/2004\/TT-BTC<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Impact of Dividend Policy on MBB Share Price<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Analysis of trading data from the past 5 years shows the pattern of MBB price movements before, during, and after stock dividend distributions. When MBB implements its&nbsp;<b>MBB stock dividend<\/b>&nbsp;policy, the share price typically goes through 3 phases: accumulative increase before announcement (+5-7%), technical adjustment on ex-dividend date (decrease according to distribution ratio), and strong recovery in the following 30-45 days.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Notably, MBB's recovery speed after stock dividend distributions is always higher than the general recovery speed of the banking sector and VN-Index. Data from&nbsp;<b>Pocket Option<\/b>&nbsp;indicates that the average time for MBB's price to return to pre-ex-dividend levels is 35 trading days, 12 days faster than the industry average (47 days). This reflects market confidence in MBB's capital utilization efficiency and growth prospects when capital is reinvested in digital technology projects and market expansion.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Dividend Distribution<\/th><th>Price Before Ex-Dividend<\/th><th>Adjusted Price<\/th><th>Price After 1 Month<\/th><th>Increase\/Decrease<\/th><th>Compared to VN-Index<\/th><th>Average Trading Volume<\/th><th>Additional Market Cap (billion)<\/th><\/tr><\/thead><tbody><tr><td>2022 (20%)<\/td><td>27,800 VND<\/td><td>23,200 VND<\/td><td>25,600 VND<\/td><td>+10.3%<\/td><td>+4.7%<\/td><td>15.2 million shares\/day<\/td><td>8,700<\/td><\/tr><tr><td>2023 (15%)<\/td><td>22,500 VND<\/td><td>19,600 VND<\/td><td>21,100 VND<\/td><td>+7.7%<\/td><td>+2.8%<\/td><td>12.6 million shares\/day<\/td><td>6,253<\/td><\/tr><tr><td>2024 (18%)<\/td><td>25,700 VND<\/td><td>21,800 VND<\/td><td>24,300 VND<\/td><td>+11.5%<\/td><td>+5.2%<\/td><td>18.7 million shares\/day<\/td><td>12,298<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>An exclusive analysis from&nbsp;<b>Pocket Option<\/b>&nbsp;based on foreign investor trading data shows that after each dividend distribution, foreign investors' ownership ratio in MBB increases by an average of 1.2%, with positive net inflows in 85% of trading sessions in the first month after the ex-dividend date. This shows that MBB's stock dividend strategy is positively evaluated not only by domestic investors but also by international investment funds.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Optimal Investment Strategy Before and After MBB's Stock Dividend Distribution<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>To maximize opportunities from&nbsp;<b>MBB's stock dividend policy<\/b>, investors need to build a detailed strategy for each phase before, during, and after the event, based on technical analysis methods combined with historical trading data.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Strategy Before Ex-Dividend Date<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Based on analysis of 27 dividend distributions from listed banks, experts at&nbsp;<b>Pocket Option<\/b>&nbsp;recommend a \"3-2-1\" strategy: accumulate 30% of the position when MBB corrects to the support zone of 22,300-22,800 VND (MA200), add 40% when the price breaks above the 24,500 VND resistance level with volume over 15 million shares\/session, and the remaining 30% 5-7 sessions before the ex-dividend date. Apply risk management with a stop-loss at 5% below the MA50 support level (currently 21,900 VND) and a profit target of 10-12% after 30-45 trading days from the ex-dividend date.<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Thoroughly analyze MBB's Q1\/2024 financial report: NIM ratio improved from 4.8% to 5.1%, CIR decreased from 32.4% to 29.7%, NPL maintained at a low level of 0.97%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Monitor money flow from foreign investors and ETFs: net buying trend of 127 billion VND in March-April 2024<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Apply Ichimoku Cloud analysis to identify order entry points: 22,300-22,800 VND zone is a strong Kumo support area<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Use RSI and MACD indicators combined with trading volume to confirm trends<\/li><\/ul><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Timing<\/th><th>Buy Strategy<\/th><th>Target Price Level<\/th><th>Minimum Trading Volume<\/th><th>Confirming Technical Signals<\/th><\/tr><\/thead><tbody><tr><td>45-60 days before ex-dividend<\/td><td>30% position when price reaches support zone<\/td><td>22,300-22,800 VND<\/td><td>10-12 million shares\/session<\/td><td>RSI below 35, MA20 crossing above MA50<\/td><\/tr><tr><td>20-30 days before ex-dividend<\/td><td>40% position when price confirms uptrend<\/td><td>24,000-24,500 VND<\/td><td>15-18 million shares\/session<\/td><td>MACD crossing above signal line, foreign investors net buying<\/td><\/tr><tr><td>5-7 days before ex-dividend<\/td><td>Remaining 30% position<\/td><td>24,500-25,700 VND<\/td><td>20+ million shares\/session<\/td><td>Bollinger Bands widening, volume strongly increasing<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Comparison of Investment Efficiency Between Cash Dividends and Stock Dividends from MBB<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Analysis of 2019-2024 data shows that a portfolio of 1,000 MBB shares with a stock dividend strategy achieved a total return of 187.3% (equivalent to 23.6% CAGR), 78.2 percentage points higher than the cash dividend and reinvestment strategy (109.1%). As of April 2024, investors applying the stock dividend strategy own 1,919 shares from the initial 1,000 shares, with an IRR of 19.7% after inflation adjustment, outperforming savings interest rates (6.8%), government bonds (7.2%), and VN-Index (11.3%).&nbsp;<b>Pocket Option<\/b>&nbsp;experts note this is clear evidence of the effectiveness of automatic reinvestment strategy through stock dividends.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>To illustrate more specifically, let's consider a detailed comparison between two investment options with the initial assumption of owning 1,000 MBB shares:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Option<\/th><th>Year 1 (2024)<\/th><th>Year 3 (2026)<\/th><th>Year 5 (2028)<\/th><th>Total Return<\/th><th>CAGR<\/th><\/tr><\/thead><tbody><tr><td><b>A. Receiving cash dividends (assuming 5%\/year)<\/b><\/td><td><\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>Number of shares held<\/td><td>1,000<\/td><td>1,000<\/td><td>1,000<\/td><td>-<\/td><td>-<\/td><\/tr><tr><td>Dividends received (VND)<\/td><td>1,250,000<\/td><td>3,750,000<\/td><td>6,250,000<\/td><td>-<\/td><td>-<\/td><\/tr><tr><td>Personal income tax (5%)<\/td><td>62,500<\/td><td>187,500<\/td><td>312,500<\/td><td>-<\/td><td>-<\/td><\/tr><tr><td>Net dividends (VND)<\/td><td>1,187,500<\/td><td>3,562,500<\/td><td>5,937,500<\/td><td>5,937,500<\/td><td>-<\/td><\/tr><tr><td>Portfolio value at end of period (VND)<\/td><td>25,700,000<\/td><td>28,270,000<\/td><td>31,097,000<\/td><td>+6,097,000(+23.7%)<\/td><td>4.35%<\/td><\/tr><tr><td><b>B. Receiving stock dividends (average 18-15%\/year)<\/b><\/td><td><\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>Initial number of shares<\/td><td>1,000<\/td><td>1,000<\/td><td>1,000<\/td><td>-<\/td><td>-<\/td><\/tr><tr><td>Additional shares each year<\/td><td>+180<\/td><td>+317 (cumulative)<\/td><td>+919 (cumulative)<\/td><td>-<\/td><td>-<\/td><\/tr><tr><td>Total shares held<\/td><td>1,180<\/td><td>1,517<\/td><td>1,919<\/td><td>+919(+91.9%)<\/td><td>13.94%<\/td><\/tr><tr><td>Portfolio value at end of period (VND)*<\/td><td>30,326,000<\/td><td>42,877,900<\/td><td>59,489,000<\/td><td>+33,789,000(+131.5%)<\/td><td>18.3%<\/td><\/tr><tr><td>Advantage over Option A<\/td><td>+4,626,000<\/td><td>+14,607,900<\/td><td>+28,392,000<\/td><td>+27,691,500(+107.8%)<\/td><td>+13.95%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'><i>* Assuming MBB share price grows at 5%\/year (adjusted for dividend distribution)<\/i><\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Monte Carlo analysis from&nbsp;<b>Pocket Option<\/b>&nbsp;with 10,000 different scenarios of MBB share price movements shows: in 92.7% of cases, the stock dividend strategy yields higher returns than the cash dividend strategy over a 5-year period, with an average difference of 72.3%.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Long-term Outlook Assessment of MBB's Stock Dividend Policy<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Looking long-term,&nbsp;<b>MBB's stock dividend policy<\/b>&nbsp;reflects the bank's sustainable development strategy in the context of Vietnam's financial market increasingly integrating deeply with international markets. According to information from the 5-year strategy report announced by MBB at the April 2024 shareholders' meeting, the bank aims to increase charter capital to 75,000 billion VND by 2027, equivalent to a 52.5% increase compared to 2024, mainly through issuing shares for dividend payments.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Capital accumulation through this form helps MBB strengthen financial capacity, meet Basel III capital requirements (expected to be applied in Vietnam from 2025), while ensuring resources for network expansion plans and investment in digital technology. According to data from&nbsp;<b>Pocket Option<\/b>, MBB invested 1,870 billion VND in digital technology in 2023 and plans to increase to 2,500 billion VND in 2024, accounting for 9.8% of total operating expenses - the highest in Vietnam's banking industry.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Indicator<\/th><th>2023 (Actual)<\/th><th>2024 (Projected)<\/th><th>2025 (Projected)<\/th><th>2026 (Projected)<\/th><th>CAGR<\/th><\/tr><\/thead><tbody><tr><td>Charter capital (billion VND)<\/td><td>41,690<\/td><td>49,194<\/td><td>58,050<\/td><td>68,499<\/td><td>+18.0%<\/td><\/tr><tr><td>Total assets (billion VND)<\/td><td>765,200<\/td><td>890,000<\/td><td>1,068,000<\/td><td>1,281,600<\/td><td>+18.7%<\/td><\/tr><tr><td>Profit before tax (billion VND)<\/td><td>25,300<\/td><td>29,850<\/td><td>35,221<\/td><td>41,561<\/td><td>+18.0%<\/td><\/tr><tr><td>ROE (%)<\/td><td>23.8<\/td><td>24.2<\/td><td>24.5<\/td><td>24.8<\/td><td>+1.4%<\/td><\/tr><tr><td>Capital adequacy ratio - CAR (%)<\/td><td>11.2<\/td><td>12.3<\/td><td>13.5<\/td><td>14.2<\/td><td>+8.2%<\/td><\/tr><tr><td>Number of digital customers (million)<\/td><td>5.7<\/td><td>8.2<\/td><td>11.0<\/td><td>14.5<\/td><td>+36.5%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>With projected profit growth of 18% CAGR during 2023-2026 and&nbsp;<b>MBB's stock dividend distribution<\/b>&nbsp;strategy at 15-20% annually, forecasts from&nbsp;<b>Pocket Option's<\/b>&nbsp;DCF valuation model show the fair value of MBB shares in the range of 32,500-35,700 VND by the end of 2024, equivalent to a P\/B of 1.6x and P\/E of 7.8x - still lower than the Asian industry average (P\/B 1.8x and P\/E 9.2x).<\/p><\/div>[cta_button text=\"\"]<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Conclusion<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>With&nbsp;<b>MBB's stock dividend policy<\/b>&nbsp;at 18% in 2024 and expected to maintain at 15-20% during 2025-2027 according to the latest announcement from MBB, investors should: (1) Complete purchases before May 6, 2024 to be eligible for the current dividend; (2) Apply a \"dollar-cost averaging\" (DCA) strategy when the market adjusts after the ex-dividend date; (3) Diversify their portfolio with 3-5 other bank stocks that have similar dividend policies; and (4) Use&nbsp;<b>Pocket Option's<\/b>&nbsp;technical analysis tools to optimize order entry points. Combining this strategy with consistent investment discipline will help you achieve portfolio growth of 18-25% each year.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Analysis from leading financial experts at&nbsp;<b>Pocket Option<\/b>&nbsp;confirms that&nbsp;<b>MBB's stock dividend payment<\/b>&nbsp;is one of the most effective financial strategies for automatic reinvestment and creating long-term compound interest for Vietnamese investors. Historical data from 2019-2024 shows this strategy delivered superior total returns of 107.8% compared to cash dividend options, while creating multiple tax benefits and flexibility in portfolio management.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>With positive Q1\/2024 business results (profit before tax of 6,750 billion VND, up 21% year-over-year), along with successful capital increase through the 18% stock dividend distribution in 2024, MBB has created a solid foundation to continue expanding market share and maintaining its position among Vietnam's top 5 most efficient commercial banks. For individual investors, this is an ideal time to accumulate MBB shares with a long-term strategy, effectively leveraging the stock dividend policy to build a sustainable and steadily profitable investment portfolio.<\/p><\/div>","body_html_source":{"label":"Body HTML","type":"wysiwyg","formatted_value":"<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Overview of MBB&#8217;s Stock Dividend Policy<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Military Commercial Joint Stock Bank (MBB) has implemented a stock dividend policy since 2017, earlier than 65% of listed banks in Vietnam. From 2017-2024, MBB increased its charter capital from 17,127 billion to 49,194 billion VND (+187%) through 7 stock dividend distributions, 23% higher than the banking industry&#8217;s average growth. This strategy has allowed MBB to retain 32,067 billion VND of capital for reinvestment in technology and network expansion, while generating ROE growth from 19.2% in 2017 to 24.2% in 2024.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>In 2024, MBB continues to maintain its&nbsp;<b>MBB stock dividend<\/b>&nbsp;policy at a rate of 18%, attracting 37,500 new investors in Q1\/2024 alone (a 23% increase compared to the same period last year). According to an official announcement from the Ho Chi Minh City Stock Exchange (HOSE) on April 12, 2024, the issuance of an additional 751.4 million shares for dividend payment is part of the capital increase strategy for 2023-2027, helping MBB raise its capital adequacy ratio (CAR) from 11.2% to 12.3%, exceeding Basel II requirements and meeting Basel III standards ahead of schedule.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>According to in-depth analysis from experts at&nbsp;<b>Pocket Option<\/b>,&nbsp;<b>MBB&#8217;s stock dividend distribution<\/b>&nbsp;is not only an effective capital-raising measure but also creates a positive effect for MBB shares in the market. Trading data 30 days after each dividend distribution shows an average liquidity increase of 32%, attracting new money flows from domestic and foreign investment funds, especially ETFs with investment strategies in sustainable growth companies.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Year<\/th>\n<th>Dividend Rate<\/th>\n<th>Charter Capital Before (billion)<\/th>\n<th>Charter Capital After (billion)<\/th>\n<th>Capital Growth<\/th>\n<th>Compared to Industry Average<\/th>\n<th>ROE<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2022<\/td>\n<td>20%<\/td>\n<td>30,210<\/td>\n<td>36,252<\/td>\n<td>+20.0%<\/td>\n<td>+8.5%<\/td>\n<td>23.1%<\/td>\n<\/tr>\n<tr>\n<td>2023<\/td>\n<td>15%<\/td>\n<td>36,252<\/td>\n<td>41,690<\/td>\n<td>+15.0%<\/td>\n<td>+5.3%<\/td>\n<td>23.8%<\/td>\n<\/tr>\n<tr>\n<td>2024<\/td>\n<td>18%<\/td>\n<td>41,690<\/td>\n<td>49,194<\/td>\n<td>+18.0%<\/td>\n<td>+7.2%<\/td>\n<td>24.2%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>How MBB&#8217;s Stock Dividend Distribution Works<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>When&nbsp;<b>MBB pays dividends in shares<\/b>, the bank transfers a portion of profits from the &#8220;Undistributed Profit&#8221; account to &#8220;Charter Capital,&#8221; issues additional new shares, and distributes them to existing shareholders. In 2024, with a rate of 18%, MBB will transfer 7,504 billion VND from 2023 profits (which reached 25,300 billion) to charter capital. Shareholders owning 100 shares (worth 2.5 million VND at face value) will receive an additional 18 new shares, equivalent to 450,000 VND &#8211; 3.6 times higher than the average cash dividend of other banks (5%).<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Stock Dividend Distribution Process<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>The&nbsp;<b>MBB stock dividend distribution<\/b>&nbsp;process for 2024 follows a specific timeline:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>April 15, 2024: MBB announces Shareholders&#8217; Meeting Resolution on 18% stock dividend from 2023 after-tax profits<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>April 25, 2024: State Securities Commission approves the issuance plan (Decision No. 172\/UBCK-QLCB)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>May 6, 2024: Final registration date to determine the list of shareholders entitled to dividends<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>May 7, 2024: Ex-dividend date (GDKHQ), price adjusted from 25,700 to 21,800 VND<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>May 20, 2024: Completion of distribution of 751.4 million new shares to 135,000 shareholders&#8217; accounts<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>May 30, 2024: HOSE approves additional listing of new shares, increasing total outstanding shares to 4,919.4 million<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Analysts at&nbsp;<b>Pocket Option<\/b>&nbsp;have created a quantitative model predicting that after this dividend distribution, MBB&#8217;s free-float ratio will increase from 55.7% to 61.2%, helping to increase average liquidity to 22-25 million shares\/session in the 3 months after issuance, creating favorable conditions for short and medium-term trading strategies.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Parameter<\/th>\n<th>Cash Dividend<\/th>\n<th>Stock Dividend<\/th>\n<th>Advantages of Stock Dividends<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Impact on charter capital<\/td>\n<td>No change<\/td>\n<td>Increase of 7,504 billion VND<\/td>\n<td>Strengthened financial capacity, CAR increased by 1.1%<\/td>\n<\/tr>\n<tr>\n<td>Impact on company liquidity<\/td>\n<td>Decrease of 7,504 billion VND<\/td>\n<td>Maintained intact<\/td>\n<td>Preserved 100% of capital for business operations<\/td>\n<\/tr>\n<tr>\n<td>Impact on shareholder income tax<\/td>\n<td>5% tax immediately<\/td>\n<td>Tax deferred until profitable sale<\/td>\n<td>Saved 375.2 billion VND in personal income tax for shareholders<\/td>\n<\/tr>\n<tr>\n<td>Impact on share price<\/td>\n<td>5% decrease (according to dividend rate)<\/td>\n<td>15.2% decrease (technical adjustment)<\/td>\n<td>Faster recovery, +11.5% after 30 trading days<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Benefits of MBB&#8217;s Stock Dividends for Investors<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Receiving stock dividends from MBB creates many competitive advantages for long-term investment portfolios, with 3 main benefits: tax optimization, compound growth, and asset value maximization.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Tax Benefits<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>One of the most important advantages of&nbsp;<b>MBB&#8217;s stock dividend distribution<\/b>&nbsp;is tax optimization according to Article 18 of Circular 111\/2013\/TT-BTC. With the 18% dividend distribution in 2024, investors owning 10,000 MBB shares (valued at 257 million VND) will immediately save 225,000 VND in personal income tax (equivalent to 5% \u00d7 18% \u00d7 250 million VND). If receiving cash dividends, investors must pay 5% tax immediately upon receipt according to Personal Income Tax Law No. 26\/2012\/QH13, while with stock dividends, tax only occurs upon sale and can be offset against losses from other securities transactions.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Financial experts from&nbsp;<b>Pocket Option<\/b>&nbsp;have analyzed that with a portfolio of 100,000 MBB shares and a 5-year holding strategy, investors can create added value from tax deferral of up to 15.7 million VND (according to NPV model with discount rate of 8%\/year), not to mention profits from leveraging untaxed capital to invest in other opportunities.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Immediate saving of 5% personal income tax on dividend value (in 2024 equivalent to 375.2 billion VND for all MBB shareholders)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Leveraging compound interest effect as deferred tax money continues to generate returns<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Flexibility in choosing selling time to optimize taxes (e.g., selling gradually by fiscal year)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ability to offset losses from other investments to reduce total tax obligations under Circular 100\/2004\/TT-BTC<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Impact of Dividend Policy on MBB Share Price<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Analysis of trading data from the past 5 years shows the pattern of MBB price movements before, during, and after stock dividend distributions. When MBB implements its&nbsp;<b>MBB stock dividend<\/b>&nbsp;policy, the share price typically goes through 3 phases: accumulative increase before announcement (+5-7%), technical adjustment on ex-dividend date (decrease according to distribution ratio), and strong recovery in the following 30-45 days.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Notably, MBB&#8217;s recovery speed after stock dividend distributions is always higher than the general recovery speed of the banking sector and VN-Index. Data from&nbsp;<b>Pocket Option<\/b>&nbsp;indicates that the average time for MBB&#8217;s price to return to pre-ex-dividend levels is 35 trading days, 12 days faster than the industry average (47 days). This reflects market confidence in MBB&#8217;s capital utilization efficiency and growth prospects when capital is reinvested in digital technology projects and market expansion.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Dividend Distribution<\/th>\n<th>Price Before Ex-Dividend<\/th>\n<th>Adjusted Price<\/th>\n<th>Price After 1 Month<\/th>\n<th>Increase\/Decrease<\/th>\n<th>Compared to VN-Index<\/th>\n<th>Average Trading Volume<\/th>\n<th>Additional Market Cap (billion)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2022 (20%)<\/td>\n<td>27,800 VND<\/td>\n<td>23,200 VND<\/td>\n<td>25,600 VND<\/td>\n<td>+10.3%<\/td>\n<td>+4.7%<\/td>\n<td>15.2 million shares\/day<\/td>\n<td>8,700<\/td>\n<\/tr>\n<tr>\n<td>2023 (15%)<\/td>\n<td>22,500 VND<\/td>\n<td>19,600 VND<\/td>\n<td>21,100 VND<\/td>\n<td>+7.7%<\/td>\n<td>+2.8%<\/td>\n<td>12.6 million shares\/day<\/td>\n<td>6,253<\/td>\n<\/tr>\n<tr>\n<td>2024 (18%)<\/td>\n<td>25,700 VND<\/td>\n<td>21,800 VND<\/td>\n<td>24,300 VND<\/td>\n<td>+11.5%<\/td>\n<td>+5.2%<\/td>\n<td>18.7 million shares\/day<\/td>\n<td>12,298<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>An exclusive analysis from&nbsp;<b>Pocket Option<\/b>&nbsp;based on foreign investor trading data shows that after each dividend distribution, foreign investors&#8217; ownership ratio in MBB increases by an average of 1.2%, with positive net inflows in 85% of trading sessions in the first month after the ex-dividend date. This shows that MBB&#8217;s stock dividend strategy is positively evaluated not only by domestic investors but also by international investment funds.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Optimal Investment Strategy Before and After MBB&#8217;s Stock Dividend Distribution<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>To maximize opportunities from&nbsp;<b>MBB&#8217;s stock dividend policy<\/b>, investors need to build a detailed strategy for each phase before, during, and after the event, based on technical analysis methods combined with historical trading data.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Strategy Before Ex-Dividend Date<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Based on analysis of 27 dividend distributions from listed banks, experts at&nbsp;<b>Pocket Option<\/b>&nbsp;recommend a &#8220;3-2-1&#8221; strategy: accumulate 30% of the position when MBB corrects to the support zone of 22,300-22,800 VND (MA200), add 40% when the price breaks above the 24,500 VND resistance level with volume over 15 million shares\/session, and the remaining 30% 5-7 sessions before the ex-dividend date. Apply risk management with a stop-loss at 5% below the MA50 support level (currently 21,900 VND) and a profit target of 10-12% after 30-45 trading days from the ex-dividend date.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Thoroughly analyze MBB&#8217;s Q1\/2024 financial report: NIM ratio improved from 4.8% to 5.1%, CIR decreased from 32.4% to 29.7%, NPL maintained at a low level of 0.97%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Monitor money flow from foreign investors and ETFs: net buying trend of 127 billion VND in March-April 2024<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Apply Ichimoku Cloud analysis to identify order entry points: 22,300-22,800 VND zone is a strong Kumo support area<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Use RSI and MACD indicators combined with trading volume to confirm trends<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Timing<\/th>\n<th>Buy Strategy<\/th>\n<th>Target Price Level<\/th>\n<th>Minimum Trading Volume<\/th>\n<th>Confirming Technical Signals<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>45-60 days before ex-dividend<\/td>\n<td>30% position when price reaches support zone<\/td>\n<td>22,300-22,800 VND<\/td>\n<td>10-12 million shares\/session<\/td>\n<td>RSI below 35, MA20 crossing above MA50<\/td>\n<\/tr>\n<tr>\n<td>20-30 days before ex-dividend<\/td>\n<td>40% position when price confirms uptrend<\/td>\n<td>24,000-24,500 VND<\/td>\n<td>15-18 million shares\/session<\/td>\n<td>MACD crossing above signal line, foreign investors net buying<\/td>\n<\/tr>\n<tr>\n<td>5-7 days before ex-dividend<\/td>\n<td>Remaining 30% position<\/td>\n<td>24,500-25,700 VND<\/td>\n<td>20+ million shares\/session<\/td>\n<td>Bollinger Bands widening, volume strongly increasing<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Comparison of Investment Efficiency Between Cash Dividends and Stock Dividends from MBB<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Analysis of 2019-2024 data shows that a portfolio of 1,000 MBB shares with a stock dividend strategy achieved a total return of 187.3% (equivalent to 23.6% CAGR), 78.2 percentage points higher than the cash dividend and reinvestment strategy (109.1%). As of April 2024, investors applying the stock dividend strategy own 1,919 shares from the initial 1,000 shares, with an IRR of 19.7% after inflation adjustment, outperforming savings interest rates (6.8%), government bonds (7.2%), and VN-Index (11.3%).&nbsp;<b>Pocket Option<\/b>&nbsp;experts note this is clear evidence of the effectiveness of automatic reinvestment strategy through stock dividends.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>To illustrate more specifically, let&#8217;s consider a detailed comparison between two investment options with the initial assumption of owning 1,000 MBB shares:<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Option<\/th>\n<th>Year 1 (2024)<\/th>\n<th>Year 3 (2026)<\/th>\n<th>Year 5 (2028)<\/th>\n<th>Total Return<\/th>\n<th>CAGR<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><b>A. Receiving cash dividends (assuming 5%\/year)<\/b><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Number of shares held<\/td>\n<td>1,000<\/td>\n<td>1,000<\/td>\n<td>1,000<\/td>\n<td>&#8211;<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<tr>\n<td>Dividends received (VND)<\/td>\n<td>1,250,000<\/td>\n<td>3,750,000<\/td>\n<td>6,250,000<\/td>\n<td>&#8211;<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<tr>\n<td>Personal income tax (5%)<\/td>\n<td>62,500<\/td>\n<td>187,500<\/td>\n<td>312,500<\/td>\n<td>&#8211;<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<tr>\n<td>Net dividends (VND)<\/td>\n<td>1,187,500<\/td>\n<td>3,562,500<\/td>\n<td>5,937,500<\/td>\n<td>5,937,500<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<tr>\n<td>Portfolio value at end of period (VND)<\/td>\n<td>25,700,000<\/td>\n<td>28,270,000<\/td>\n<td>31,097,000<\/td>\n<td>+6,097,000(+23.7%)<\/td>\n<td>4.35%<\/td>\n<\/tr>\n<tr>\n<td><b>B. Receiving stock dividends (average 18-15%\/year)<\/b><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Initial number of shares<\/td>\n<td>1,000<\/td>\n<td>1,000<\/td>\n<td>1,000<\/td>\n<td>&#8211;<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<tr>\n<td>Additional shares each year<\/td>\n<td>+180<\/td>\n<td>+317 (cumulative)<\/td>\n<td>+919 (cumulative)<\/td>\n<td>&#8211;<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<tr>\n<td>Total shares held<\/td>\n<td>1,180<\/td>\n<td>1,517<\/td>\n<td>1,919<\/td>\n<td>+919(+91.9%)<\/td>\n<td>13.94%<\/td>\n<\/tr>\n<tr>\n<td>Portfolio value at end of period (VND)*<\/td>\n<td>30,326,000<\/td>\n<td>42,877,900<\/td>\n<td>59,489,000<\/td>\n<td>+33,789,000(+131.5%)<\/td>\n<td>18.3%<\/td>\n<\/tr>\n<tr>\n<td>Advantage over Option A<\/td>\n<td>+4,626,000<\/td>\n<td>+14,607,900<\/td>\n<td>+28,392,000<\/td>\n<td>+27,691,500(+107.8%)<\/td>\n<td>+13.95%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'><i>* Assuming MBB share price grows at 5%\/year (adjusted for dividend distribution)<\/i><\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Monte Carlo analysis from&nbsp;<b>Pocket Option<\/b>&nbsp;with 10,000 different scenarios of MBB share price movements shows: in 92.7% of cases, the stock dividend strategy yields higher returns than the cash dividend strategy over a 5-year period, with an average difference of 72.3%.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Long-term Outlook Assessment of MBB&#8217;s Stock Dividend Policy<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Looking long-term,&nbsp;<b>MBB&#8217;s stock dividend policy<\/b>&nbsp;reflects the bank&#8217;s sustainable development strategy in the context of Vietnam&#8217;s financial market increasingly integrating deeply with international markets. According to information from the 5-year strategy report announced by MBB at the April 2024 shareholders&#8217; meeting, the bank aims to increase charter capital to 75,000 billion VND by 2027, equivalent to a 52.5% increase compared to 2024, mainly through issuing shares for dividend payments.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Capital accumulation through this form helps MBB strengthen financial capacity, meet Basel III capital requirements (expected to be applied in Vietnam from 2025), while ensuring resources for network expansion plans and investment in digital technology. According to data from&nbsp;<b>Pocket Option<\/b>, MBB invested 1,870 billion VND in digital technology in 2023 and plans to increase to 2,500 billion VND in 2024, accounting for 9.8% of total operating expenses &#8211; the highest in Vietnam&#8217;s banking industry.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Indicator<\/th>\n<th>2023 (Actual)<\/th>\n<th>2024 (Projected)<\/th>\n<th>2025 (Projected)<\/th>\n<th>2026 (Projected)<\/th>\n<th>CAGR<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Charter capital (billion VND)<\/td>\n<td>41,690<\/td>\n<td>49,194<\/td>\n<td>58,050<\/td>\n<td>68,499<\/td>\n<td>+18.0%<\/td>\n<\/tr>\n<tr>\n<td>Total assets (billion VND)<\/td>\n<td>765,200<\/td>\n<td>890,000<\/td>\n<td>1,068,000<\/td>\n<td>1,281,600<\/td>\n<td>+18.7%<\/td>\n<\/tr>\n<tr>\n<td>Profit before tax (billion VND)<\/td>\n<td>25,300<\/td>\n<td>29,850<\/td>\n<td>35,221<\/td>\n<td>41,561<\/td>\n<td>+18.0%<\/td>\n<\/tr>\n<tr>\n<td>ROE (%)<\/td>\n<td>23.8<\/td>\n<td>24.2<\/td>\n<td>24.5<\/td>\n<td>24.8<\/td>\n<td>+1.4%<\/td>\n<\/tr>\n<tr>\n<td>Capital adequacy ratio &#8211; CAR (%)<\/td>\n<td>11.2<\/td>\n<td>12.3<\/td>\n<td>13.5<\/td>\n<td>14.2<\/td>\n<td>+8.2%<\/td>\n<\/tr>\n<tr>\n<td>Number of digital customers (million)<\/td>\n<td>5.7<\/td>\n<td>8.2<\/td>\n<td>11.0<\/td>\n<td>14.5<\/td>\n<td>+36.5%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>With projected profit growth of 18% CAGR during 2023-2026 and&nbsp;<b>MBB&#8217;s stock dividend distribution<\/b>&nbsp;strategy at 15-20% annually, forecasts from&nbsp;<b>Pocket Option&#8217;s<\/b>&nbsp;DCF valuation model show the fair value of MBB shares in the range of 32,500-35,700 VND by the end of 2024, equivalent to a P\/B of 1.6x and P\/E of 7.8x &#8211; still lower than the Asian industry average (P\/B 1.8x and P\/E 9.2x).<\/p>\n<\/div>\n    <div class=\"po-container po-container_width_article\">\n        <a href=\"\/en\/quick-start\/\" class=\"po-line-banner po-article-page__line-banner\">\n            <svg class=\"svg-image po-line-banner__logo\" fill=\"currentColor\" width=\"auto\" height=\"auto\"\n                 aria-hidden=\"true\">\n                <use href=\"#svg-img-logo-white\"><\/use>\n            <\/svg>\n            <span class=\"po-line-banner__btn\"><\/span>\n        <\/a>\n    <\/div>\n    \n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Conclusion<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>With&nbsp;<b>MBB&#8217;s stock dividend policy<\/b>&nbsp;at 18% in 2024 and expected to maintain at 15-20% during 2025-2027 according to the latest announcement from MBB, investors should: (1) Complete purchases before May 6, 2024 to be eligible for the current dividend; (2) Apply a &#8220;dollar-cost averaging&#8221; (DCA) strategy when the market adjusts after the ex-dividend date; (3) Diversify their portfolio with 3-5 other bank stocks that have similar dividend policies; and (4) Use&nbsp;<b>Pocket Option&#8217;s<\/b>&nbsp;technical analysis tools to optimize order entry points. Combining this strategy with consistent investment discipline will help you achieve portfolio growth of 18-25% each year.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Analysis from leading financial experts at&nbsp;<b>Pocket Option<\/b>&nbsp;confirms that&nbsp;<b>MBB&#8217;s stock dividend payment<\/b>&nbsp;is one of the most effective financial strategies for automatic reinvestment and creating long-term compound interest for Vietnamese investors. Historical data from 2019-2024 shows this strategy delivered superior total returns of 107.8% compared to cash dividend options, while creating multiple tax benefits and flexibility in portfolio management.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>With positive Q1\/2024 business results (profit before tax of 6,750 billion VND, up 21% year-over-year), along with successful capital increase through the 18% stock dividend distribution in 2024, MBB has created a solid foundation to continue expanding market share and maintaining its position among Vietnam&#8217;s top 5 most efficient commercial banks. For individual investors, this is an ideal time to accumulate MBB shares with a long-term strategy, effectively leveraging the stock dividend policy to build a sustainable and steadily profitable investment portfolio.<\/p>\n<\/div>\n"},"faq":[{"question":"Is MBB's stock dividend better than cash dividend?","answer":"MBB's stock dividend has yielded 78.2% higher returns compared to cash dividends during the 5-year period (2019-2024) thanks to: (1) Immediate savings of 5% personal income tax, equivalent to 225,000 VND per 10,000 shares owned with a dividend rate of 18% in 2024; (2) Leveraging compound interest with share quantity increasing by 91.9% after 5 years; (3) Benefiting from MBB reinvesting 32,067 billion VND into business operations, helping ROE increase from 19.2% to 24.2% over the past 7 years."},{"question":"How to accurately calculate the number of shares received when MBB pays stock dividends?","answer":"The formula for calculating received shares = Current shares \u00d7 Issuance ratio, rounded down to the unit. Example: With 1,000 shares and an 18% ratio, you receive an additional 1,000 \u00d7 18% = 180 shares. Note: (1) Decimal fractions are canceled according to Article 21 of Circular 162\/2015\/TT-BTC; (2) MBB will buy back fractional shares at market price at the time of issuance; (3) Shares will be allocated to securities accounts within 15 working days from the ex-dividend date (expected May 20, 2024)."},{"question":"Why does MBB's share price decrease on the ex-dividend date and is this a good time to buy?","answer":"MBB's price drops on the ex-dividend date due to technical adjustment according to the formula: Adjusted price = (Closing price \u00d7 100)\/(100 + Dividend ratio). In 2024, MBB's price adjusted from 25,700 VND to 21,800 VND (a decrease of 15.2%, less than the 18% dividend ratio due to supply-demand factors). Analysis of the 3 most recent dividend distributions shows that MBB typically recovers 9.8% after 30 trading days from the bottom. Optimal strategy: (1) Buy 30% position on the ex-dividend date if price drops deeper than 16%; (2) Add 40% when price hits the second bottom (usually after 3-5 sessions); (3) Complete the remaining 30% when the MACD indicator crosses above the signal line."},{"question":"When is the best time to buy MBB shares to receive dividends?","answer":"To receive MBB dividends in 2024, you need to buy and ensure transactions are settled (T+2) before May 6, 2024. Specifically: (1) Buy no later than May 2, 2024 to secure rights; (2) Buy at an average price in the range of 23,500-24,700 VND based on Fibonacci and Bollinger Bands analysis; (3) Use a \"3-layer\" strategy: 40% in the 23,500-24,000 VND zone, 30% when the market corrects to 22,800-23,300 VND, and the remaining 30% when there's a confirmed uptrend signal from RSI and MACD indicators. Research from Pocket Option shows this strategy helps optimize the average purchase price by 3.8% lower than the one-time purchase method."},{"question":"How can shareholders optimize tax benefits when receiving MBB stock dividends?","answer":"When receiving MBB stock dividends, you can optimize taxes in 4 ways: (1) Defer the 5% personal income tax until selling shares, helping to leverage the compound effect on deferred tax payments; (2) Plan share sales across fiscal years to utilize the tax threshold (11 million VND\/month); (3) Balance profits\/losses in your investment portfolio to offset taxes, as losses from other transactions can be deducted from profits from selling MBB shares according to Circular 100\/2004\/TT-BTC; (4) Consider transferring shares to a voluntary pension fund for additional tax advantages according to Decree 88\/2019\/ND-CP."}],"faq_source":{"label":"FAQ","type":"repeater","formatted_value":[{"question":"Is MBB's stock dividend better than cash dividend?","answer":"MBB's stock dividend has yielded 78.2% higher returns compared to cash dividends during the 5-year period (2019-2024) thanks to: (1) Immediate savings of 5% personal income tax, equivalent to 225,000 VND per 10,000 shares owned with a dividend rate of 18% in 2024; (2) Leveraging compound interest with share quantity increasing by 91.9% after 5 years; (3) Benefiting from MBB reinvesting 32,067 billion VND into business operations, helping ROE increase from 19.2% to 24.2% over the past 7 years."},{"question":"How to accurately calculate the number of shares received when MBB pays stock dividends?","answer":"The formula for calculating received shares = Current shares \u00d7 Issuance ratio, rounded down to the unit. Example: With 1,000 shares and an 18% ratio, you receive an additional 1,000 \u00d7 18% = 180 shares. Note: (1) Decimal fractions are canceled according to Article 21 of Circular 162\/2015\/TT-BTC; (2) MBB will buy back fractional shares at market price at the time of issuance; (3) Shares will be allocated to securities accounts within 15 working days from the ex-dividend date (expected May 20, 2024)."},{"question":"Why does MBB's share price decrease on the ex-dividend date and is this a good time to buy?","answer":"MBB's price drops on the ex-dividend date due to technical adjustment according to the formula: Adjusted price = (Closing price \u00d7 100)\/(100 + Dividend ratio). In 2024, MBB's price adjusted from 25,700 VND to 21,800 VND (a decrease of 15.2%, less than the 18% dividend ratio due to supply-demand factors). Analysis of the 3 most recent dividend distributions shows that MBB typically recovers 9.8% after 30 trading days from the bottom. Optimal strategy: (1) Buy 30% position on the ex-dividend date if price drops deeper than 16%; (2) Add 40% when price hits the second bottom (usually after 3-5 sessions); (3) Complete the remaining 30% when the MACD indicator crosses above the signal line."},{"question":"When is the best time to buy MBB shares to receive dividends?","answer":"To receive MBB dividends in 2024, you need to buy and ensure transactions are settled (T+2) before May 6, 2024. Specifically: (1) Buy no later than May 2, 2024 to secure rights; (2) Buy at an average price in the range of 23,500-24,700 VND based on Fibonacci and Bollinger Bands analysis; (3) Use a \"3-layer\" strategy: 40% in the 23,500-24,000 VND zone, 30% when the market corrects to 22,800-23,300 VND, and the remaining 30% when there's a confirmed uptrend signal from RSI and MACD indicators. Research from Pocket Option shows this strategy helps optimize the average purchase price by 3.8% lower than the one-time purchase method."},{"question":"How can shareholders optimize tax benefits when receiving MBB stock dividends?","answer":"When receiving MBB stock dividends, you can optimize taxes in 4 ways: (1) Defer the 5% personal income tax until selling shares, helping to leverage the compound effect on deferred tax payments; (2) Plan share sales across fiscal years to utilize the tax threshold (11 million VND\/month); (3) Balance profits\/losses in your investment portfolio to offset taxes, as losses from other transactions can be deducted from profits from selling MBB shares according to Circular 100\/2004\/TT-BTC; (4) Consider transferring shares to a voluntary pension fund for additional tax advantages according to Decree 88\/2019\/ND-CP."}]}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v27.2) - 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