Outstanding credit balance in Ho Chi Minh City by the end of October reached nearly 4.92 million billion VND

Of which, outstanding loans in VND are estimated at 4.72 million billion VND, accounting for 96%, up 10.29% compared to the end of 2024. Outstanding loans in foreign currencies are estimated at more than 195 billion VND, accounting for 4%, down 0.96% compared to the end of 2024.

In particular, outstanding short-term credit is estimated at VND 2.34 million billion, accounting for 47.7%, up 8.04% compared to the end of 2024. Outstanding medium- and long-term credit is estimated at VND 2.57 million billion, accounting for 52.3%, up 11.44% compared to the end of 2024.

According to Ms. Tran Thi Ngoc Lien, many credit programs in Ho Chi Minh City are also being actively implemented. Specifically, for 5 priority areas: outstanding credit loans for agricultural and rural development reached 440,000 billion VND; export loans reached 144,000 billion VND; loans for supporting industries reached more than 102,000 billion VND; loans for high-tech enterprises reached 5,300 billion VND; outstanding credit for small and medium enterprises reached more than 2.2 million billion VND.

Regarding the VND 150,000 billion credit package to support enterprises producing and processing agricultural and forestry products in Ho Chi Minh City, by the end of October 2025, the banking sector had also disbursed more than VND 32,500 billion. The agricultural and rural lending program under Decree 116/2018 and Decree 55/2015 of the Government also had outstanding debt of more than VND 467,000 billion, with more than 1.75 million customers receiving loans.

For the Market Stabilization Program, the cumulative loan turnover from the beginning of the year to September 2025 reached VND 19,059 billion. Outstanding loans reached VND 5,337 billion with 33 enterprises participating in the program, including 15 stabilization enterprises and 18 enterprises in the supply chain.

Regarding the situation of loans for building and upgrading ships according to Decree 67/2014/ND-CP, by the end of the third quarter of 2025, the outstanding loan balance reached VND 37.7 billion for 16 ships, of which 4 ships were operating at a standstill and were ineffective; 8 ships had paid off their debts with the previously disbursed amount of VND 85.4 billion. In addition, 45 ships were being monitored off-balance sheet with an outstanding debt of VND 620.3 billion, down 3.8% compared to the previous quarter.

Ms. Tran Thi Ngoc Lien assessed that outstanding credit in Ho Chi Minh City in the first 10 months of 2025 maintained positive growth, in which medium and long-term credit increased better.

“The banking sector in Ho Chi Minh City continues to provide credit capital for production and business, actively participates in solutions to support businesses, and promotes economic growth in the area,” said Ms. Tran Thi Ngoc Lien.

Source: https://ttbc-hcm.gov.vn/du-no-tin-dung-tai-tphcm-den-cuoi-thang-10-dat-gan-4-92-trieu-ty-dong-1019851.html