Recently, the State Bank of Vietnam, Region 7 Branch (SBV Region 7) held a conference to summarize banking activities in 2025 and implement tasks for 2026. The conference was chaired by Mr. Tran The Hung, Director of SBV Region 7, and attended by leaders of relevant departments and agencies from Thanh Hoa and Ninh Binh provinces, as well as representatives of credit institutions operating in the region.
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| Director of the State Bank of Vietnam Region 7, Tran The Hung, delivered a speech at the conference. |
More than just an opportunity to look back on a year of hard work and positive results, the conference also demonstrates the determination of the entire banking sector in Region 7 to continue to work alongside local authorities, businesses, and people, making credit capital a truly important driving force for sustainable economic growth.
Flexible policy management to support recovery and growth.
In 2025, the State Bank of Vietnam's Branch 7 focused on implementing monetary and credit policies and mechanisms in a comprehensive and effective manner, as directed by the State Bank of Vietnam . Interest rate management was carried out proactively and flexibly, closely following market developments and the goal of macroeconomic stability.
Compared to the end of 2024, deposit interest rates in Vietnamese Dong decreased by 0.2 - 0.6% per year; lending interest rates decreased by 0.5 - 0.8% per year. Maintaining reasonable interest rates has created favorable conditions for businesses and individuals to expand production and business, boost consumption and investment, thereby supporting local economic growth.
The operations of credit institutions in the area are generally safe and stable. The foreign exchange and gold markets are basically stable; restructuring efforts, coupled with the handling of bad debts, are being implemented decisively according to schedule, contributing to ensuring the safety of the banking system.
By the end of December 2025, the total mobilized capital of credit institutions in Region 7 reached VND 556,699 billion (excluding development banks), an increase of 16.35% compared to the end of 2024, higher than the overall growth rate of the whole country. This capital has met approximately 83.7% of the credit demand in the region.
Of that total, capital mobilization in Ninh Binh province reached VND 338,886 billion, an increase of 16.04%, accounting for 60.9% of the total capital mobilized in the entire region; Thanh Hoa province reached VND 217,813 billion, an increase of 16.84%, accounting for 39.1%.
Along with capital mobilization, credit growth was quite strong, promptly meeting the capital needs of the economy. Outstanding credit in the entire region reached VND 665,294 billion, an increase of 19.68% compared to the end of 2024, higher than the national average credit growth rate. Of this, outstanding credit in Ninh Binh reached VND 409,555 billion, and in Thanh Hoa reached VND 255,739 billion. Notably, the non-performing loan ratio in the entire region was controlled at a low level of only 0.52%, reflecting the fundamentally assured quality of credit.
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| Delegates attending the conference |
Contributing to the promotion of local economic growth.
Credit flows continue to be directed towards production, business, and priority sectors as directed by the Government and the State Bank of Vietnam. Outstanding loans in agriculture, forestry, and fisheries remain stable; industrial, construction, and trade-service credit is gradually recovering.
Many specialized credit programs have been implemented, contributing to the development of the strengths of key local industries such as aquaculture, agricultural processing, and export production. Alongside commercial credit, social policy credit programs continue to be effective.
Outstanding loans from the Social Policy Bank in the area reached VND 30,454 billion, an increase of 10.07% compared to the end of 2024, providing timely support to policy beneficiaries, poor households, and near-poor households, contributing to the achievement of sustainable poverty reduction goals and ensuring social security. The people's credit fund system continues to affirm its role as an important capital supply channel for rural areas.
The positive results of the banking sector have made a significant contribution to the economic growth of the two provinces in the region. In 2025, Ninh Binh province's GRDP is projected to increase by 10.65%, ranking 3rd out of 34 provinces and cities; Thanh Hoa province's GRDP is projected to increase by 8.27%. The banking sector continues to affirm its role as the "lifeblood" of the economy, creating a solid financial foundation for local socio-economic development.
Furthermore, the implementation of Resolution No. 57-NQ/TW of the Politburo on breakthroughs in science, technology, innovation, and digital transformation has been carried out synchronously and decisively by the banking sector in Region 7. Non-cash payments continue to expand, and security and safety in payment operations have been strengthened.
Orientation for 2026: Directing credit towards new growth drivers.
Entering 2026, the State Bank of Vietnam's Region 7 is determined to continue closely adhering to the monetary policy objectives of the State Bank of Vietnam; promoting safe and effective credit growth, directing capital towards priority sectors and new growth drivers such as green credit, circular economy, and the application of science and technology.
Speaking at the conference, Director of the State Bank of Vietnam Region 7, Tran The Hung, emphasized the need for the entire banking sector to accelerate digital transformation and develop cashless payments; strengthen inspection, supervision, risk control, and bad debt resolution; strictly enforce regulations on interest rates; promptly correct violations; and ensure safe and sound banking operations.
The conference also agreed on several key solutions to improve the effectiveness of state management and advisory work on monetary, credit, foreign exchange, and banking activities in the area; proactively identify difficulties and obstacles in practice to promptly resolve them, creating conditions for businesses and people to access capital more easily.
Building on the achievements of 2025 and with a clear direction for 2026, the banking sector in Region 7 is continuing to affirm its role in supporting the locality, making credit a driving force for rapid, efficient, and sustainable economic growth.
Source: https://thoibaonganhang.vn/ngan-hang-khu-vuc-7-dan-von-vao-dong-luc-tang-truong-moi-176574.html
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