"Injecting capital" into businesses creates new momentum for growth.

Towards the end of the year, manufacturing businesses in Ha Tinh need capital to increase capacity, secure raw materials, and fulfill signed orders. For the trade and service sector, capital is mainly used for business turnover and importing large quantities of goods to serve the consumer market during the Tet holiday. Therefore, corporate credit always heats up in the fourth quarter.

Recognizing businesses as strategic partners that significantly contribute to local economic development, banks in the area have developed credit plans that prioritize capital for production and business activities, especially in key sectors such as agriculture and rural development, industry, renewable energy, and exports. These are all sectors with strong growth potential in the locality in recent years.

NBK Global Group Co., Ltd. has just borrowed capital from the bank for year-end business investments.

At NBK Global Group Co., Ltd. (TDP 8, Bac Hong Linh Ward), business is booming. The company, specializing in the distribution of tiles, paint, and sanitary ware, is experiencing double the usual year-end order volume. To ensure sufficient stock for its distributors, the company recently borrowed 10 billion VND in working capital.

Ms. Nguyen Thi Hanh, Deputy Director of NBK Global Group Co., Ltd., said: “At the end of the year, public investment projects are accelerated, and the civil construction market is also becoming vibrant again. Our company has good cash flow and operates effectively, so banks facilitate quick disbursement. Timely capital helps us maintain a stable supply of goods.”

Not only trading businesses, but also manufacturing businesses are accelerating towards achieving their 2025 targets. At Ha Tinh Pharmaceutical Joint Stock Company (HADIPHAR), its two pharmaceutical factories, one for modern medicine and one for traditional medicine, are operating at maximum capacity to ensure a supply of pharmaceuticals for the market before, during, and after the Lunar New Year. Export orders to Southeast Asian markets have increased sharply, so the company continues to borrow additional working capital to meet production line demands.

A representative from HADIPHAR stated that the company aims for a revenue of 500 billion VND in 2025. The fourth quarter is a crucial period for achieving this goal and laying the foundation for growth in 2026. Bank financing is a key factor enabling HADIPHAR to secure raw materials, maintain production, expand its market, and sustain its growth momentum.

HADIPHAR is striving to reach its revenue target of 500 billion VND.

In addition to prioritizing small and medium-sized enterprises, large banks such as Vietcombank, BIDV , and VietinBank are also focusing their capital on foreign-invested enterprises (FDI) and import-export businesses – a group with a significant ripple effect on the economy.

Vietcombank Ha Tinh branch alone has outstanding loans to businesses totaling nearly 8,000 billion VND, accounting for almost 50% of the branch's total outstanding loans. Due to the high demand for credit at the end of the year, the bank has launched a series of large credit packages for businesses such as: "Competitive Interest Rates," "Interest Rate Assurance" with a total scale of 270,000 billion VND; a short-term preferential interest rate package of 250,000 billion VND; and an SME credit package of 40,000 billion VND… According to internal assessments, the areas with the strongest growth in business credit currently are: Ky Anh, Hong Linh, Cam Xuyen, Duc Tho… – areas with rapid urbanization, many industrial zones/clusters and vibrant investment projects.

Loan balances at Vietcombank Hong Linh branch are growing strongly.

Mr. Le Gia Nam, Head of Vietcombank Hong Linh branch, said: “Lending to businesses is one of Vietcombank's top priorities. Outstanding loans at our branch currently stand at nearly 500 billion VND, an increase of about 20% compared to the beginning of the year. From now until Tet (Lunar New Year), the demand for capital is expected to increase sharply.”

Currently, BIDV, VietinBank... along with other major private commercial banks in Ha Tinh such as HDBank, Bac A Bank, ACB, SHB… are also competing to launch preferential loan packages to boost corporate credit growth at the end of the year.

According to the State Bank of Vietnam (SBV) Region 8, as of the end of November, outstanding corporate loans in Ha Tinh province reached over 34,853 billion VND. This figure is expected to continue to increase sharply between now and the Lunar New Year. The SBV requires credit institutions to ensure credit quality, control risks, and avoid concentrating capital in sectors with potential risks. The principle of "quantity goes hand in hand with quality" is emphasized to direct capital flows towards real production sectors – the important driving force of the local economy.

In addition, the State Bank of Vietnam Region 8 also aims to maintain stable lending interest rates; strengthen bank-business connections to improve access to capital; support businesses and households affected by natural disasters and epidemics; and ensure sufficient and timely disbursement of capital for legitimate production and consumption needs.

The banking sector prioritizes providing funding to businesses, contributing to economic growth momentum in 2026.

2025 witnessed a clear recovery in demand for business loans. Notably, the financial capacity of businesses in Ha Tinh province improved after the difficult period of 2022-2023, creating confidence for credit institutions to expand lending. Many small and medium-sized enterprises (SMEs) accessed capital more easily thanks to improved financial profiles, transparent cash flow, and proactive advice from banks; interest rates remained competitive, helping businesses significantly reduce their capital costs.

In the context of the national economy aiming for new growth targets, credit flows in Ha Tinh are expected to continue playing a vital role in nurturing production and business activities. With the proactive support of the banking sector, the business community in Ha Tinh enters 2026 with greater confidence and determination, ready to conquer new goals and contribute to the development of the local economy.

Source: https://baohatinh.vn/bom-von-cho-doanh-nghiep-tao-da-tang-truong-moi-post301032.html