

Canada's bilateral Development Finance Institution, FinDev Canada, Sumitomo Mitsui Banking Corporation (SMBC), and the Japan International Cooperation Agency (JICA) on August 2 announced the signing of a $215 million syndicated loan facility for HDBank.
At a conference held on August 4, 2025 in Hà Nội, SBV Deputy Governor Phạm Thanh Hà said that stabilising deposit rates and reducing lending rates are key tools to promote economic recovery and maintain macroeconomic stability.
On August 4, 2025, the State Bank of Vietnam (SBV) issued Official Dispatch No. 6784/NHNN-CSTT directing and guiding the banking system to resolutely and effectively implement solutions to stabilize deposit interest rates and reduce lending interest rates to promote economic growth in 2025 under the direction of the Government and Prime Minister.
The policy, effective from 15 September this year, prioritises capital consolidation over shareholder payouts and signals a shift from broad-based encouragement to more selective oversight.
In the broader top 20, banks accounted for 12 of the most profitable firms.
In a recent macro-economic outlook report for the second half of 2025, experts from the KB Securities Company (KBSV) said that in the short term, the exchange rate may remain tense at some points in the third quarter due to three reasons.
Despite ongoing efforts by banks to raise capital and improve their capital adequacy ratios (CARs), the pace of improvement remains slow.
According to Mr. Nguyen Quoc Hung, Vice Chairman and Secretary General of the Vietnam Banks' Association (VNBA), the robust development of AI, machine learning, and big data analytics underscores the importance of data standardization, expansion, and sharing. These efforts will empower credit institutions to optimize credit scoring processes, bolster risk management capabilities, and enhance competitiveness.
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.
The banking sector is seeing signs of relief in non-performing loans (NPLs), with expectations of further improvement by year-end thanks to stronger credit growth and the formal legalisation of the Resolution No. 42/2017/QH14 to aid debt recovery.