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Banking

Credit institutions forecast lower pre-tax profit growth in 2026

Credit institutions forecast lower pre-tax profit growth in 2026

Credit institutions expect the business outlook to remain positive in 2026 but are more cautious about profit growth, according to the latest survey by the State Bank of Vietnam (SBV).
Deposit interest rates exceed 7%, pushing up lending rates

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.
Credit growth plans at 15% in 2026, focusing on macroeconomic stability

Credit growth plans at 15% in 2026, focusing on macroeconomic stability

Under the latest statement on managing credit growth in 2026, the SBV said that this year it will focus on maintaining macroeconomic stability and sustainable development, and control risk areas and real estate.
Banks promote debt sale to increase capital resources for 2026

Banks promote debt sale to increase capital resources for 2026

Commercial banks are stepping up the sale of debts and collaterals at the final month of lunar year 2025 to restructure and increase capital resources for 2026.
Banking sector consistent with macroeconomic stability goals

Banking sector consistent with macroeconomic stability goals

In addition, the PM requested the banking sector to continue promoting the development of science and technology, innovation and national digital transformation.
Deposit interest rate cap forecast to rise by 50 basis points 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.
Credit management must ensure high GDP growth, macroeconomic stability

Credit management must ensure high GDP growth, macroeconomic stability

Credit management should be cautious and effective to enable linking high economic growth with macroeconomic stability and financial system reforms.
Banks continue to increase capital at year end

Banks continue to increase capital at year end

Banks are accelerating capital increases via share issues to meet stricter Basel III standards, boost capital adequacy and ease funding pressures amid rising credit demand.
Credit growth expected to reach 20 per cent in 2026

Credit growth expected to reach 20 per cent in 2026

Credit growth in 2026 is expected to be around 20 per cent, driven by public investment and the recovery of production and business activities.
SBV plans to simplify business regulations for banks

SBV plans to simplify business regulations for banks

Under a draft circular to replace Circular 32/2024/TT-NHNN, now open for public comment, many administrative procedures for establishing and relocating commercial bank branches and transaction offices will be significantly shortened.
Mobilising financial resources for double-digit growth

Mobilising financial resources for double-digit growth

The country is facing an urgent need to accelerate growth in the coming years.
Banks with solid foundations forecast to make big leap in 2026

Banks with solid foundations forecast to make big leap in 2026

Việt Nam’s banking sector is entering a recovery phase with brighter profit prospects, but analysts warn that growth will be uneven and concentrated among lenders with strong balance sheets and disciplined risk management.
No credit expansion made yet though banks used up all allocated room

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 withdraw preferential housing loans aimed at young buyers

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...