Comrade Nguyen Anh Tuan, Deputy Director of the State Bank of Vietnam, Ninh Thuan Province Branch, said: By the end of June, the total mobilized capital in the province reached VND 21,496 billion, an increase of VND 1,139 billion (up 5.59%) compared to the end of 2022, reaching 94.28% of the 2023 plan (meeting about 54.47% of the loan capital of credit institutions). For lending activities, by the end of June, it reached VND 33,567 billion, an increase of VND 5,154 billion (up 18.14%) over the same period last year. Of which, short-term lending turnover reached VND 30,907 billion, accounting for 92.08%; medium and long-term lending reached VND 2,660 billion, accounting for 7.92%. Regarding bad debt balance in the area, up to now, there is 229.2 billion VND, accounting for 0.58% of total outstanding debt, lower than the bad debt ratio at the end of last month by 0.01%. This shows that the solutions and policies to remove difficulties and maintain growth momentum for the province's economy that the banking sector has implemented have been effective.
Implementing the direction of the State Bank, VietinBank Ninh Thuan strictly complies with regulations on interest rates and lending.
serving the borrowing needs of businesses and people. Photo: Phan Binh
In order to facilitate businesses and people to access credit capital, since the beginning of the year, banks in the province have proactively and flexibly regulated sufficient cash; at the same time, strictly complied with regulations on treasury safety, strengthened inspection and supervision of regulations on mobilization and lending interest rates. In the first 6 months of 2023, outstanding loans were mainly focused on the following sectors: Agriculture - aquaculture reached VND 8,580 billion, accounting for 21.45% of total outstanding loans, up VND 453 billion (up 5.57%); Industry - construction reached VND 7,590 billion, accounting for 18.98%, up VND 610 billion (up 8.74%); Trade, services and community personal services reached VND 23,830 billion, accounting for 59.58%, an increase of VND 1,805 billion (up 8.20%) compared to the end of 2022. In particular, to support customers affected by the COVID-19 epidemic under the direction of the Prime Minister and the State Bank of Vietnam, in the first 6 months of the year, banks and credit institutions in the province restructured the debt repayment period and kept the debt group for 442 customers with a total restructured debt value of VND 551 billion, of which 57 customers were enterprises with an amount of VND 424 billion; 385 customers were business households, households, individuals and other customers with an amount of VND 127 billion. In addition, banks also exempted and reduced interest rates and kept the debt group for 110 customers with a total value of VND 56 billion. At the same time, new loans were 28,867 billion VND, of which 14,871 billion VND was for corporate customers; 11,282 billion VND was for business households, households, and individuals.
In addition to the above lending and support policies, since the beginning of the year, banks have also implemented credit programs well according to the policies of the Government and the banking industry. Of which, loans for agricultural and rural development with outstanding loans by the end of June reached VND14,462 billion with 136,617 customers, an increase of VND274 billion compared to the end of last year. Loans to support small and medium enterprises reached VND6,680 billion, an increase of VND131 billion. Loans for supporting industries by May 31 reached VND1,500 billion, an increase of VND161 billion. Loans for high-tech enterprises by June 30 reached VND336 billion, an increase of VND4 billion. Lending to poor households and policy beneficiaries under the programs of the Social Policy Bank, as of June 30, outstanding loans reached VND 3,157.3 billion with 78,419 customers/100,765 loans, an increase of VND 221.7 billion compared to the end of 2022.
Leaders of the Provincial Women's Union and the State Bank of Vietnam, Ninh Thuan branch, signed the Coordination Program for the period 2023-2027.
For key credit programs and policies, including: Loans to support offshore fishermen according to Decree No. 67/2014/ND-CP as of May 31, 2023, outstanding loans for building and upgrading ships are currently 353.57 billion VND/42 fishing vessels. Housing support loan program according to Resolution No. 02/NQ-CP dated January 7, 2013 and Circular No. 11/2013/TT-NHNN by the end of May 2023, outstanding loans are 7.6 billion VND with 61 customers. Regarding social housing loans according to Decree No. 100/2015/ND-CP of the Government to develop and manage social housing, as of May 31, 2023, outstanding loans reached 70.6 billion VND/212 borrowers. Particularly, lending under the 120,000 billion VND credit program has not generated any new customers in the province so far.
In order to promptly remove difficulties for production and business, support the market, and ensure credit growth associated with capital safety, according to comrade Nguyen Anh Tuan, from now until the end of the year, the provincial State Bank will closely follow the direction of the banking industry and the province's socio-economic development plan to strengthen supervision and direct banks and credit institutions to strictly implement the policies of the Government, the provincial People's Committee, and the State Bank of Vietnam on currency and credit. In the immediate future, restructure the debt repayment period and maintain the debt group to support customers in difficulty according to Circular No. 02/2023/TT-NHNN dated April 23, 2023 of the State Bank. Focus on leadership and direction, banks actively transform digitally. Direct and supervise state-owned commercial banks (Agribank, BIDV, Vietcombank and VietinBank) to implement the VND 120,000 billion credit program on lending for social housing, workers' housing, renovation and reconstruction of old apartments according to Resolution No. 33/NQ-CP dated March 11, 2023 of the Government. Actively coordinate with relevant departments, branches and sectors to promote non-cash payments. Well implement the management of foreign exchange and gold trading activities. Strengthen inspection, examination and supervision of lending activities to prevent crimes and violations of the law in the banking sector. Continue to implement tasks and solutions to promote restructuring of the system of credit institutions associated with handling bad debts in the period of 2021-2025 in the province. Strictly implement legal provisions on interest rates for mobilization, lending and service fees. Promote safe and effective credit growth solutions, directing credit to production, business and priority sectors according to the Government's policies in line with the orientation of the banking sector and capital needs for socio-economic development and economic restructuring of the locality, creating favorable conditions for people and businesses to access capital, contributing to economic recovery and development.;
Linh Giang
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