The State Bank of Vietnam’s provincial branches in Bac Giang and Dak Nong held conferences to roll out the banking sector’s 2025 work programme in their localities, alongside reviews of 2024 performance. The discussions centred on expanding credit to support production and business activity, tightening control over lending to potentially higher-risk sectors, strengthening customer support and connectivity with businesses and residents, and continuing digital transformation and supervisory work. In Bac Giang, local banking system deposits reached VND 121,894bn (up 13.8%) and outstanding credit VND 113,090bn (up 17.8% versus 31/12/2023), with non-performing loans of VND 470bn (0.42% of total credit, down 0.13 percentage points). Provincial leadership urged credit institutions to deploy preferential programmes, including the VND 120,000bn package for social and worker housing and old apartment renovation and the VND 60,000bn package for forestry and fisheries. In Dak Nong, deposits were about VND 22,130bn (up 19.92%) and outstanding credit about VND 52,256bn (up 15.22%), while the non-performing loan ratio was kept at 0.45%; lending rates were reduced by 1–2% per year compared with the start of 2024. Credit institutions also raised constraints relating to the legal framework, secured transactions, land, premises and access to finance for large projects, with the provincial National Assembly delegation indicating it would relay these recommendations to central and local authorities.

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