The State Bank of Vietnam’s provincial branches in Hau Giang and Khanh Hoa held conferences to roll out local banking-sector tasks for 2025, alongside reviews of 2024 performance. The updates emphasised credit allocation to priority and production-business sectors, tight control of non-performing loans, maintaining low funding costs to support lower lending rates, and continued progress on digital transformation and services. In Hau Giang, the local banking sector reported deposits of VND 25,244bn and outstanding loans of VND 44,427bn as of 31 December 2024, up 11.08% and 11.04% respectively year on year, with a non-performing loan ratio of 1.74% of total outstanding loans. In Khanh Hoa, deposits reached VND 134,085bn (up VND 14,275bn, 11.91%) and outstanding loans VND 136,578bn (up VND 9,667bn, 7.62%), with lending to priority borrowers at VND 72,043bn (52.75% of total). The branch also reported debt restructuring and maintenance of loan classification for 425 customer cases, and lending rate reductions to a maximum of 9% for 3,964 customer cases, alongside stable payment operations and gold and foreign-exchange market conditions meeting demand. The Hau Giang branch framed 2025 as the final year of the 2021–2025 five-year plan and called for decisive implementation to meet or exceed assigned targets, while Khanh Hoa’s provincial leadership urged alignment with directives from the Government, the State Bank of Vietnam and the province in executing the 2025 task programme.

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