Maintaining the "health" of capital flows.

According to the State Bank of Vietnam (SBV) Regional Branch 14, in the first five months of 2026, credit outstanding in Can Tho City recovered and increased slightly, but did not meet expectations. Credit growth coupled with risk management, bad debt control, and ensuring the safety of the entire system is a pressing task for the banking sector in the remaining months of the year.

Financial institutions are always ready to provide remote and early support to customers.

By May 31, 2026, the total outstanding loan balance in Can Tho City will be VND 343,615 billion, an increase of 2.01% compared to the end of 2025. Although credit institutions in the area have actively implemented various solutions, by the end of May 2026, the non-performing loan (NPL) ratio across the city will be 3.19% of the total outstanding loan balance. It is estimated that by the end of June 2026, the NPL ratio will reach 2.84%. The NPL ratio is trending upwards due to the declining financial health of some customers, uneven recovery in production and business activities, and continued difficulties in input costs, cash flow pressure, and market conditions affecting customers' ability to repay loans on time.

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25 banks receive new directives on real estate lending.The State Bank of Vietnam (SBV) has just issued new directives to 25 commercial banks regarding real estate credit growth. Notably, outstanding loans for social housing and industrial parks/export processing zones will be included in real estate credit growth until the end of 2026, thereby creating more capital space for priority sectors.

An unprecedented race to raise capital: Where will the money flow?Businesses are expected to raise up to $7.6 billion on the stock exchange, banks are pushing deposit interest rates up to 8-9% per year, while the government needs enormous resources for public investment. The Vietnamese economy is entering a fierce competition for capital flows.

Proactively select high-quality capital flows.Resolution 68-NQ/TW of the Politburo affirmed the particularly important position of the private sector in the national economy. Following the same line of thinking, Resolution 10-NQ/TW on the development of the foreign direct investment (FDI) economy further expands the country's development vision in the new phase.

To control bad debts, credit institutions have identified that credit growth must go hand in hand with credit quality; they always proactively support customers remotely and early on. According to Mr. Le Thanh Quy Ngoc, Acting General Director of Vietnam Thuong Tin Commercial Joint Stock Bank (Vietbank), when businesses face difficulties, banks need to promptly grasp the situation, advise on solutions for restructuring cash flow, adjusting loan terms, or supporting suitable financial products, applying all possible tools within the legal framework to support customers. This support helps limit the risk of future bad debts and nurtures the survival of businesses.

According to Mr. Tran Quoc Ha, Acting Director of the State Bank of Vietnam's Branch 14, to ensure credit quality and control bad debts, the State Bank of Vietnam's Branch 14 will strengthen monitoring, urging, and inspection of the implementation of conclusions, recommendations, and decisions on handling issues after inspections and supervision of credit institutions. Simultaneously, a working group will be established to work with a number of credit institution branches with high bad debts, limited business results, and potential risks. Alongside this, the bank will vigorously reform administrative procedures, improve the credit rating, and enhance the trust of the people and businesses in the mechanisms, policies, and operations of the banking sector.

Text and photos: MINH HUYEN

United States - Vietnam: Don't miss

Vietnam encourages US businesses to expand investment in high technology.On the morning of June 26th, at the Government Headquarters, Deputy Prime Minister Ho Quoc Dung received Mr. Jeff Place, Supply Chain Director of Coherent Group (USA). During the meeting, the Deputy Prime Minister affirmed that Vietnam encourages US businesses to expand investment, especially in high-tech, innovation, and semiconductor industries.

Encourage U.S. businesses to expand investment in high-tech sectors.Deputy Prime Minister Ho Quoc Dung said that Vietnam welcomes US businesses to continue expanding their operations in Vietnam, especially in high-tech industries and sectors with high added value.

Vietnam and the United States strengthen cooperation in addressing the consequences of war.VTV.vn - On June 22, General Secretary and President To Lam received Acting Secretary of the US Navy Hung Cao.

Source: https://baocantho.com.vn/giu-suc-khoe-cho-dong-von-a207697.html