The State Bank of Vietnam held a conference for SBV Region 11 to review 2025 banking activity and roll out tasks for 2026, reporting that the region maintained stable operations and policy delivery despite two organisational reorganisations in 2025 and significant disruption from storms, floods and landslides. Regional credit still grew by about 11.9% while credit quality was maintained, with non-performing loans controlled at about 1.21%. In 2025, the region focused credit and interest rate measures on priority sectors and production and business, kept deposit rates broadly stable and reduced lending rates to support local growth, including targeted support for customers affected by natural disasters. More than 86% of outstanding loans carried interest rates of 9% per year or less; outstanding loans reached VND 515,971 billion by 31 December 2025, up VND 54,715 billion from the start of the year, while total mobilised capital reached VND 380,288 billion, up VND 56,594 billion, with savings and term deposits accounting for over 77% of funding. For 2026, guidance to Region 11 and local credit institutions prioritises delivering monetary and credit policy in a way that supports growth while controlling inflation and preserving system safety, including steering capital to priority sectors, policy credit programmes and new growth drivers such as digital and green transformation. The programme also calls for stronger control of credit risks, continued digitalisation and non-cash payments with payment system security, administrative reform and expanded end-to-end online public services, and ensuring cash supply and treasury safety, including smooth currency circulation around Lunar New Year 2026.

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