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Credit growth in 2025 is expected to reach 16%, moving towards eliminating "room"

Báo Dân tríBáo Dân trí30/12/2024

(Dan Tri) - The State Bank said it will continue to implement a roadmap to limit and eventually eliminate the management of credit growth targets for each unit.


On December 30, the State Bank sent a document to credit institutions announcing the principles for assigning credit growth in 2025.

The regulator expects system-wide credit growth in 2025 to be around 16%. Last year, the State Bank set a target for 2024 of 14-15% credit growth. As of December 13, credit across the economy had increased by around 12.5% ​​compared to the end of 2023.

The credit growth target assigned to a credit institution is based on the 2023 rating results as prescribed in Circular 52/2018 multiplied by the coefficient commonly applied to banks.

The operator said it will continue to implement a roadmap to limit and eventually eliminate the allocation of credit growth targets for each credit institution according to Resolution No. 62/2022 of the National Assembly .

Tăng trưởng tín dụng năm 2025 dự kiến đạt 16%, tiến đến bỏ room - 1

The State Bank expects system-wide credit growth to be around 16% in 2025 (Photo: Tien Tuan).

The State Bank requires units to implement safe, effective credit growth in accordance with the law on the basis of risk management capacity, liquidity situation and capital mobilization ability, ensuring credit quality, using capital for the right purpose, limiting the increase and occurrence of bad debts, and ensuring operational safety.

At the same time, units must increase credit growth properly and on target, credit must go into production and business sectors, priority sectors and growth drivers according to the Government 's policy; strictly control credit for sectors with potential risks; improve credit assessment and appraisal capacity; promptly detect and strictly handle cases of law violations in credit granting activities.

Units also continue to cut costs, increase the application of information technology, digital transformation... to have room to continue striving to reduce lending interest rates.

Next year, the State Bank will closely monitor developments and actual situations to proactively, flexibly and promptly manage credit growth of the banking system, in conjunction with prioritizing promoting economic growth, stabilizing the macro economy and controlling inflation.

"The State Bank will proactively adjust credit growth targets to create conditions for credit institutions to provide sufficient and timely credit capital for the economy without the need for a written request from credit institutions," the document stated.



Source: https://dantri.com.vn/kinh-doanh/tang-truong-tin-dung-nam-2025-du-kien-dat-16-tien-den-bo-room-20241230204645091.htm

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