Leverage helps businesses accelerate their growth.

In the context of a still volatile global economy, maintaining production stability, improving technology, and expanding business scale largely depend on the support of the banking system. To meet the increasingly urgent need for access to capital for businesses, flexible, preferential, and open credit policies are being actively implemented by credit institutions, helping businesses to thrive.

Customers conducting transactions at BIDV Ha Long branch.

From the beginning of 2026, BIDV's Ha Long branch has actively and flexibly implemented credit policies for businesses. Simultaneously, it has waived or reduced interest and fees, helping numerous businesses expand production and business, enhance competitiveness, and strongly develop the private sector. Along with traditional lending, the bank has also promoted green loans, loans tailored to specific industries and sectors, and digital lending. In particular, the bank has assigned each officer and employee the task of increasing engagement with businesses, promptly identifying difficulties and obstacles to report and resolve, thereby creating favorable conditions for businesses to easily access and utilize loan capital effectively, promoting sustainable business growth.

Mr. Le Xuan Hoan, Deputy Director of BIDV Ha Long branch, stated: Leveraging its role as a leading bank in the banking system, BIDV Ha Long branch will continue to affirm its role as a solid pillar in ensuring sustainable economic growth, focusing lending capital on priority sectors, especially businesses; increasing deposit flows to consolidate input capital, creating room to boost credit growth, meeting the capital needs for the recovery of production and business in the economy; and promoting digital transformation to provide modern, safe, convenient services, simplifying administrative procedures as regulated. To date, the bank's outstanding loans to businesses amount to VND 4,000 billion. In 2026, the bank will strive to increase outstanding loans to corporate customers by 20%, equivalent to VND 800 billion.

Production activities at Jinsung Hitec Vina Co., Ltd., Dong Mai Industrial Park.

To maximize businesses' access to and use of banking services, from December 15, 2025, the State Bank of Vietnam (SBV) Region 6 has provided an additional 32 full-process online public services for organizations and individuals on the National Public Service Portal. SBV Region 6 directs credit institutions to continuously innovate and modernize the process of providing products and services by simplifying procedures and facilitating customer transactions with banks; publicly disclosing on websites and at transaction offices, as well as through mass media, information on procedures, documents, interest rates, and service fees; and disseminating information and guidance to help customers understand their rights and obligations when transacting with banks, especially regarding business support programs, preferential loan programs, and flexible interest rates.

Following directives from the Central and Provincial authorities, and despite a slight upward trend in deposit interest rates, credit institutions in the province continue to strictly maintain stable lending interest rates to support economic recovery and development. Specifically, short-term VND lending rates are commonly at 3.8-7.2% per year; medium and long-term VND lending rates range from 7.5-10.8% per year. Short-term USD lending rates are approximately 3.6-4.9% per year; medium and long-term USD lending rates range from 4.9-6.6% per year. For the five priority sectors (exports, agriculture , high technology, small and medium-sized enterprises, and supporting industries), short-term lending rates are 4% per year (for customers with transparent and sound financial situations).

Through synchronized solutions, by the end of February, the outstanding credit balance of credit institutions in the province reached VND 232,000 billion, an increase of 3.7% compared to December 31, 2025. Of this, non-state enterprises continued to receive attention and investment from banks, with outstanding loans reaching VND 206,250 billion, accounting for 88.9% of the total outstanding loans, an increase of 3.72% compared to December 31, 2025. Specifically, outstanding loans to non-state enterprises (including limited liability companies, joint-stock companies, partnerships, private enterprises, and foreign-invested enterprises) reached VND 68,200 billion, accounting for 29.4% of the total outstanding loans, an increase of 3.9% compared to December 31, 2025; Outstanding loans to small and medium-sized enterprises (SMEs) reached VND 35,900 billion, accounting for 15.5% of total outstanding loans; outstanding loans to household businesses and individuals reached VND 137,000 billion, accounting for 59.1% of total outstanding loans, an increase of 3.6% compared to December 31, 2025. This provides a solid foundation for businesses to develop sustainably, integrate globally, and accelerate growth in 2026.

Cao Quynh

Source: https://baoquangninh.vn/don-bay-giup-doanh-nghiep-but-toc-3398434.html