High credit growth, bad debts under control.

On January 6th, the State Bank of Vietnam (SBV) Region 5 held a conference to summarize banking activities in 2025 and implement tasks for 2026. Attending the conference were Mr. Doan Thai Son, Permanent Deputy Governor of the State Bank of Vietnam; and Mr. Nguyen Linh, Member of the Provincial Party Committee Standing Committee and Vice Chairman of the Provincial People's Committee.

Delegates attending the Conference.

The year 2025 marks a significant milestone as the State Bank of Vietnam Region 5 officially commences operations on March 1, 2025, performing the function of state management of monetary and banking affairs in the three provinces of Thai Nguyen, Lang Son, and Cao Bang. Despite the volatile global economic environment and the severe damage caused by natural disasters and floods, the State Bank of Vietnam Region 5 has strived to overcome difficulties and exceeded many important targets.

As of December 31, 2025, total mobilized capital in the area reached over 243 trillion VND, an increase of 13.83% compared to 2024. Outstanding loans reached 235 trillion VND, an increase of 19.4%; of which outstanding loans in Thai Nguyen increased by 22%, Lang Son by 16%, and Cao Bang by 7%. The non-performing loan ratio was controlled at 1.5%, ensuring the safety of the system.

In addition, the State Bank of Vietnam Region 5 has implemented a comprehensive set of solutions to stabilize the monetary market, maintain reasonable lending interest rates; promptly support customers affected by natural disasters and floods; promote digital transformation, develop cashless payments, and reform administrative procedures. Social welfare work continues to receive attention with a total support value of over 236 billion VND.

Entering 2026, the first year of implementing the Resolution of the 14th National Congress of the Party, the State Bank of Vietnam Region 5 aims to continue accompanying the socio-economic development of the locality; striving to increase capital mobilization by 12% or more, credit growth by 15% or more, focusing on priority areas, green credit, circular economy and application of science and technology; and controlling the non-performing loan ratio below 3%.

Comrade Doan Thai Son, Permanent Deputy Governor of the State Bank of Vietnam, delivered a speech at the Conference.

Speaking at the conference, the leader of the State Bank of Vietnam requested the State Bank of Vietnam Region 5 to continue improving the effectiveness of state management, strengthening inspection and supervision, promoting digital transformation, ensuring system safety, and contributing to the successful achievement of economic growth targets in the provinces of the region.

Source: https://baothainguyen.vn/kinh-te/202601/tang-truong-tin-dung-cao-no-xau-duoc-kiem-soat-59763b3/