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Double-digit growth target for 2026-2030: A radical revolution in capital structure is imperative
According to regulators and experts at the "Banking & Finance" thematic session of the Vietnam Economic Forum 2025, held on December 16, Vietnam must undergo a "revolution" in its capital structure to achieve double-digit GDP growth. The primary focus involves easing the burden on the banking system by unlocking the potential of capital markets and professional investment institutions.
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Implementing the credit program for investment in electricity, transportation, and strategic technology infrastructure
On December 08, 2025, the State Bank of Vietnam (SBV) issued Official Letter No. 10825/NHNN-TD to 21 Commercial Banks (CBs) providing guidelines for the implementation of the Credit Program for Strategic Infrastructure Investment (Electricity, Transport, and Technology).
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NAPAS, Mastercard, and Payoo donate over 4 billion Vietnamese dong, provide 2,010 free cancer screening packages, and organize “Zero-Dong Stalls” for vulnerable women.
Hanoi, Vietnam, 14 December 2025 – The National Payment Corporation of Vietnam (NAPAS), Mastercard and Viet Union Online Services Corporation (Payoo) organized a ceremony in Hanoi to present free screening packages for three common cancers in women – breast, cervical, and ovarian – along with HPV testing packages for vulnerable women, as part of the social welfare program “Tap to Share, Give Hope.”
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Banks withdraw preferential housing loans aimed at young buyers
The preferential loan programme for home purchase of young customers implemented by State-owned banks from the first quarter of 2025, with an interest rate of 5.5 per cent fixed in the first three years. It has been considered the most attractive loan programme in many years.
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No credit expansion made yet though banks used up all allocated room
Without a further credit increase from the SBV, credit supply has become limited in the fourth quarter as credit strongly surged by nearly 14 per cent in the first nine months of this year while allocated credit room of many banks was used up.
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Shinhan Bank Vietnam is honored with two excellent awards for debit card growth
Ho Chi Minh City, on 08th December 2025 – Shinhan Bank Vietnam Limited (“Shinhan Bank”) honored to receive two consecutive awards from Mastercard, including: “Debit Growth Trailblazer” award and “Champion of Debit Card Issuance Growth”.
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Total outstanding policy credit reaches VND 398.1 trillion, supporting 6.73 million borrowing households
The Vietnam Bank for Social Policies (VBSP) reached over 398 trillion VND in loans, an increase of 30.4 trillion VND, providing support to more than 6.7 million poor households and policy beneficiaries accessing loans during the first nine months of 2025.
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Việt Nam launches cross-border QR code payment connectivity with China
Việt Nam and China have launched a bilateral QR payment link, enabling seamless cross-border transactions for travellers and businesses.
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Banks raise deposit rates as funding pressure builds
Many banks are lifting deposit rates as liquidity tightens, interbank rates surge, and the central bank increases open-market injections to stabilise funding conditions amid strong credit growth and rising capital demand.
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Banks boost provisions as bad debt eases towards year-end
The banking system is reinforcing risk buffers as bad debt trends downwards and credit accelerates, signalling a more stable phase marked by stronger asset quality and improving profitability.
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New finance and banking policies taking effect from December 2025
Starting from December 2025, a series of new policies in the finance and banking sectors officially come into effect.
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Identifying new types of fraud and scams in card payment activities
Ho Chi Minh City, December 2, 2025 – On December 1, the Risk Management Sub-committee of the Card Association, under the Vietnam Banks Association (VNBA), organized a seminar titled "Updating New Types of Fraud and Scams in Card Payment Activities and Risk Prevention Measures for the Final Months of 2025."
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Banks adjust account management fees from December 1
Many banks are applying fees based on minimum balances and account activity, while tightening SMS Banking charges to encourage customers to receive balance-change notifications via mobile apps – a free method that also helps reduce operational costs.
