On the afternoon of July 31, the State Bank issued a notice related to credit growth.
According to the State Bank, as of July 28, 2025, the entire system's credit increased by 9.64% compared to the end of 2024. Under the condition that inflation is controlled in accordance with the targets set by the National Assembly and the Government and implementing the direction of the Government and the Prime Minister on managing credit growth appropriately, promptly, effectively, meeting the capital needs of the economy , on July 31, the State Bank announced an adjustment to increase the credit growth target for 2025 for credit institutions according to specific principles, ensuring publicity and transparency.
" The addition of this limit is the initiative of the State Bank and credit institutions do not need to request it ," the State Bank said.
State Bank adjusts up credit target for 2025.
At the same time, the State Bank requires credit institutions to resolutely organize and implement solutions on credit activities to improve business efficiency, ensure system safety and stabilize the monetary market. Safe and effective credit growth, directing credit to production and business sectors, priority sectors and economic growth drivers according to the policies of the Government and the Prime Minister ; strictly control sectors with potential risks.
The regulator also requires credit institutions to maintain stable deposit interest rates and strive to reduce lending interest rates through cost savings, increased application of information technology, simplification of administrative procedures, and restructuring and reorganization of the apparatus.
Continue to have policies to remove difficulties in accessing credit capital for businesses and people.
In addition, credit institutions are required to comply with legal regulations on safety ratios, credit limits for customers, debt classification and risk provisioning; strengthen credit risk control, measures to handle bad debts, limit bad debts arising, strictly appraise before granting credit and strengthen inspection and supervision before and after granting credit to ensure credit quality.
The State Bank said that in the coming time, it will continue to closely follow domestic and international market developments, be ready to support liquidity to create conditions for credit institutions to provide credit to the economy and promptly have appropriate monetary policy management solutions.
Source: https://vtcnews.vn/ngan-hang-nha-nuoc-dieu-chinh-tang-chi-tieu-tin-dung-nam-2025-ar957260.html
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