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Large private banks aim to maintain high credit growth in 2026
VCBS believes that dynamic private banks are expected to continue leading credit growth with a projected loan portfolio expansion exceeding 20 per cent.
Reduction in mandatory reserve ratio helps banks’ liquidity, lending
Việt Nam’s largest banks prepare for a 50% reserve cut, freeing liquidity, boosting lending capacity, and supporting business, payments, and investment amid tight interbank conditions.
Mastercard, Shopee Vietnam announce strategic collaboration with the launch of VPBank S Rewards Mastercard Card
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Banks target stronger profits, credit growth in 2026
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Consumer finance sector posts sharp profit growth
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Deposit interest rates exceed 7%, pushing up lending rates
Deposit interest rates at mid-sized banks have continued to rise and surpass the 7 per cent per year mark, causing lending rates to increase.
Higher 2026 growth target puts pressure on credit framework
Vietnam’s credit growth framework is set to face mounting pressure as policymakers pursue a significantly higher economic growth target in 2026.
Deposit interest rate cap forecast to rise by 50 basis points in 2026
Given that forecasts for credit growth in 2026 are similar to this year's rate of 18-20 per cent, the adjustment to the deposit interest rate cap in 2026 will likely be modest compared to previous adjustment cycles.
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).
Visa partners with banks to launch Visa Accept
Visa, the world’s leader in digital payments, has partnered with Sacombank, Vietcombank and VPBank to launch Visa Accept in Việt Nam, allowing micro and small businesses to accept contactless Visa payments directly on NFC-enabled smartphones, without requiring any additional hardware.
Banks raise deposit rates as year-end lending heats up
Banks are lifting deposit rates to secure year-end funding as credit demand accelerates and liquidity pressures rise, signalling a renewed upward cycle in savings costs.
Banks dominate Vietnam's Q3 earnings season, Novaland posts biggest loss
Banks accounted for more than half of the 20 most profitable listed companies in Vietnam’s Q3/2025 earnings season, while property developer Novaland recorded the largest loss.
Banks racing into year-end profit boom
Vietnam’s banking sector continues to post robust profit growth this year thus far, with numerous lenders reporting impressive earnings and setting new records.
Inspection finds major banks misused trillions of đồng from bond issues
Inspectors concluded that three of the five banks used bond proceeds for the wrong purpose.
Other Member
MUFG Bank, Hanoi Branch
Chairman:
CEO: Mr Masao Kojima
Authorized capital: 105.000.000 USD (as of 12/31/2022)
Head Office: 10th Floor, Tower 1, Capital Place, 29 Lieu Giai Street, Ngoc Khanh Ward, Ba Dinh District, Hanoi, Vietnam
Website: https://www.bk.mufg.jp/global/globalnetwork/asiaoceania/hanoi.html
KCI Credit Information Joint Stock Company
Chairman: Mr. Dang Cong Nguyen
CEO: Ms. Nguyen Thi Tuyet Nhung
Authorized capital: 31,500,000,000 VND (as of July 2025)
Head Office: 2nd Floor, A1-A3 Ecolife Capitol Building, No. 58 To Huu, Me Tri Ward, Nam Tu Liem District, Hanoi
Website: https://kci.vn
Công ty Cổ phần dịch vụ Trực tuyến Cộng Đồng Việt (VietUnion) - Payoo
Chairman:
CEO:
Authorized capital:
Head Office:
Website:
Fintech Credit Information Joint Stock Company Vietnam (FCBV)
Chairman: Mr. Tran Vuong Xin
CEO: Mr. Bui Quang Trung
Authorized capital: 132,000,000,000 VND (as of July 2025)
Head Office: Room 505, 5th floor, Plaschem building, 562 Nguyen Van Cu, Gia Thuy ward, Long Bien district, Hanoi
Website: https://fcbv.vn
Industrial and Commercial Bank of China Limited (ICBC), Hanoi City Branch
Chairman: Mr. Chen Siqing
CEO: Mr. Sun Feng Lei
Authorized capital:
Head Office: Floor 1&3 Daeha Business Center , No.360 Kim Ma Str.,Ba Dinh Dist.,Hanoi
Website: https://hanoi.icbc.com.cn/vn/column/1438058394518175799.html
Indovina Bank Limited (IVB)
Chairman:
CEO: Mr LIU CHUN HAO
Authorized capital:
Head Office:
Website: https://www.indovinabank.com.vn/
