credit growth
Higher interest rates and stricter credit caps reshape lending landscape
Interest rates are forecast to remain elevated in 2025, with credit flows expected to steer towards productive industries and priority economic drivers.
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Vietnam plans green loan boost for eco-friendly projects
A fixed 2 per cent annual interest rate subsidy is proposed for the private enterprises, business households and individuals on loans for green, circular economy and environmental – social – governance (ESG) projects, accroding to a draft decree by the State Bank of Việt Nam.
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The State Bank of Vietnam adjusts credit growth targets
On July 31, 2025, the State Bank of Vietnam (SBV) announced an upward adjustment to the 2025 credit growth targets for credit institutions (CIs). This additional allocation is a proactive measure by the SBV, meaning CIs do not need to submit requests.
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Autonomy and stability balanced via credit reform
The State Bank of Vietnam is setting out a roadmap towards removing credit growth ceilings, accompanied by efforts to enhance the autonomy of credit institutions.
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Vietnam’s credit growth exceeds 7% in H1
Total outstanding credit across Vietnam’s banking system had reached VND16,730 trillion ($656 billion) in the year to June 18, up 7.14% from end-2024, according to the State Bank of Vietnam (SBV).
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MB’s nine-month credit growth outpaces industry average by 80 per cent
Military Commercial Joint Stock Bank (MB) has released its Q3/2024 financial results, highlighting a range of positive business indicators.
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Low lending rates may boost credit growth
A slight increase in deposits recently has not affected lending rates, which banks are keeping low in hopes of facilitating the flow of credit.
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Larger lenders in good growth stead
Despite uncertainties in the banking sector, investment opportunities remain, especially for larger banks with stronger credit growth and those with close ties to real estate developers.
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SBV to consider revising credit growth targets for banks
From now until the end of the year, the State Bank of Vietnam will review and consider revising credit growth targets for credit institutions and priority is expected to be given to those that reduce loan interest rates.
