Of this, short-term loans reached VND 2,300 trillion, an increase of 0.45% and 0.97%; medium-term and long-term loans reached VND 3,663 trillion, an increase of 1.51% and 4.71%.
Outstanding loans under credit programs in the city are concentrated in 5 priority areas: Loans to small and medium-sized enterprises account for 21.05%; agricultural and rural development programs account for 9.80%; export loans account for 5.08%; loans for supporting industries account for 2.46%; and loans to high-tech enterprises account for 0.41%.
Banking credit activities in the area meet the capital needs of businesses and people to maintain and develop production, business, trade, and services... As of the end of May 2026, the non-performing loan ratio of credit institutions accounted for 1.49% of the total outstanding loans.
Regarding capital mobilization activities, it is estimated that by the end of May 2026, the total mobilized capital of credit institutions in the city will reach VND 7,234 trillion, an increase of 0.51% compared to the end of the previous month and an increase of 2.17% compared to the end of 2025. Of this, deposits will reach VND 6,387 trillion, an increase of 0.51% and 1.84%; and the issuance of securities will reach VND 847 trillion, an increase of 0.49% and 4.74%.
The mobilized capital of credit institutions in the area has increased, meeting the credit needs of the economy and complying with the State Bank of Vietnam's regulations on safety ratios.
Regarding interest rates of commercial banks in the area: Deposit interest rates tend to decrease compared to the end of April 2026, especially for long-term deposits. In May 2026, the average VND deposit interest rates of domestic commercial banks were commonly at 0.1 - 0.2%/year for demand deposits and deposits with maturities under 1 month; 4.1 - 4.6%/year for deposits with maturities from 1 to under 6 months; 5.6 - 7.1%/year for deposits with maturities from 6 months to under 12 months; and 5.6 - 7%/year for deposits with maturities of 12 months or more. The average lending interest rate of domestic commercial banks for loans was 7.8 - 10%/year.
The maximum short-term lending interest rate in VND for certain priority sectors, such as agriculture, rural areas, exports, small and medium-sized enterprises, supporting industries, and high-tech enterprises, averages around 3.9% per year, lower than the rate stipulated by the State Bank of Vietnam (4% per year).
Source: https://hanoimoi.vn/ha-noi-5-thang-du-no-tin-dung-tang-3-24-1023862.html
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