Provincial branches of the State Bank of Vietnam (SBV) held conferences to review 2024 banking activity and roll out priorities for 2025, alongside an Emulation Cluster VI meeting that summarised 2024 performance and launched a 2025 emulation programme. The updates highlighted continued credit expansion, reported low non-performing loan ratios, lower average lending rates, and ongoing work on supervision and digital transformation. In Ben Tre province, outstanding credit in 2024 was estimated to rise 12% from 2023 to VND 69,000bn, with over 85% directed to production and business and consumer needs; non-performing loans were reported at below 2% of total outstanding credit, and the average lending rate in 2024 was reported to be 1.3% lower than in 2023. Emulation Cluster VI (Quang Nam, Quang Ngai, Binh Dinh, Phu Yen, Khanh Hoa and Ninh Thuan) reported that, as at 31 December 2024, total mobilised funds reached VND 511,978bn (up 11.43% from end-2023) and outstanding loans reached VND 506,247bn (up 8.18%), with non-performing loans at 1.47% of total outstanding credit, alongside implementation of Government and SBV preferential credit programmes. For 2025, the cluster signed its emulation covenant and agreed to continue delivering the agreed programme and trade union activities, with SBV Khanh Hoa elected as Emulation Cluster VI lead unit for 2025 and SBV Phu Yen recognised as the leading unit for professional and trade union performance in 2024.

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