What can we see from Ha Tinh's credit growth index?

(Baohatinh.vn) - The 10% increase in outstanding credit shows the recovery and development of Ha Tinh's economy as well as the effectiveness of credit policy in directing capital flow into production, business and life sectors.

Recently, the State Bank of Vietnam (SBV) Region 8 has promptly implemented mechanisms, policies and solutions for state management in the fields of currency, credit and banking activities. In particular, the banking system has actively supported customers affected by natural disasters such as storm No. 5 through restructuring debt repayment terms, waiving and reducing interest rates, providing new loans... to restore production and business according to current regulations.

Outstanding credit of Ha Tinh banking sector increased sharply.

In addition to ensuring system safety, the banking industry has also focused credit on production and business sectors, priority sectors and growth drivers according to the Government 's orientation; at the same time, it has increased consumer lending and strictly controlled credit in potentially risky sectors.

By the end of the third quarter of 2025, the total outstanding credit balance of the Ha Tinh banking sector reached about VND 119,790 billion, an increase of 10% compared to the beginning of the year. Economic experts assessed that this impressive credit growth index is a testament to the recovery and development of the local economy, with increasingly improved capital absorption capacity. Many practical credit programs have created clear growth momentum such as: supporting social housing, renovating old apartments, supporting young people under 35 years old to buy houses, credit for the agriculture - forestry - fishery sector, green credit...

At Vietcombank Ha Tinh, total outstanding credit balance currently reaches VND18,466 billion, recording positive growth.

Total outstanding credit balance of Vietcombank Ha Tinh currently reaches 18,466 billion VND.

According to Ms. Nguyen Thi Hanh - Head of Retail Department (Vietcombank Ha Tinh): Credit growth is driven by the stability and economic development of the province: agricultural - forestry - fishery production remains stable, industry grows quite well, tourism recovers strongly, the investment environment continues to improve, people's lives improve. In particular, the increase in the number of newly established enterprises (over 1,200 enterprises in the first 9 months of 2025) is also an important factor expanding room for credit growth. Vietcombank has deployed many flexible credit packages with competitive interest rates such as: 30,000 billion VND package for individuals and small and medium enterprises, credit packages for home loans, consumer loans, overdraft loans... attracting great attention from customers.

Mr. Duong Van Ky - Director of Kien Hung Construction Consulting Co., Ltd. (Ha Huy Tap ward) shared: "Our company has just converted from a business household to an enterprise since February 2025 with the field of design and construction of construction and civil works... Thanks to access to preferential capital from banks, production and business activities are increasingly favorable and gradually expanding in scale".

Agribank Ha Tinh II Branch is also a bright spot with outstanding credit reaching VND 18,517 billion as of September 17, 2025, growing by 14.07% compared to the beginning of the year - a high growth rate accompanied by well-controlled credit quality.

Agribank Cam Xuyen has exceeded the credit target for the whole year 2025.

Mr. Tran Hau Long - Deputy Director of Agribank Cam Xuyen (under Agribank Ha Tinh II Branch) commented: "Currently, the unit has exceeded the assigned credit target for the whole year of 2025. In practice, the recovery and development of the economy is the main factor driving credit growth. The business community is promoting production and business activities, thereby creating conditions for banks to inject capital into the economy. At the same time, people's demand for consumer credit (buying houses, real estate, buying cars...) has also increased positively, causing credit to grow rapidly.

At the end of the year, Agribank continued to maintain stable lending interest rates, especially for production and business sectors. In addition, many flexible capital access support policies are also being effectively implemented, creating favorable conditions for businesses and people to develop the economy and improve their lives.

Entering the fourth quarter - the peak period for businesses to complete their production and business strategies for the whole year, capital demand is forecast to continue to increase. This is the driving force for credit institutions in Ha Tinh to promote lending activities, accompanying businesses and people in the "final sprint" of the year.

Seizing the opportunity to expand credit growth, the State Bank of Vietnam has adjusted the credit growth target for credit institutions in 2025. Notably, the State Bank recently decided to increase the size of the preferential credit package for the agriculture, forestry and fishery sectors to VND185,000 billion. This is an important basis for the commercial banking system to continue to promote sustainable growth of outstanding loans.

The sharp increase in newly established enterprises in Ha Tinh is also a factor promoting outstanding credit of the banking sector in recent times.

According to the representative of the State Bank of Vietnam Region 8, in the fourth quarter of 2025, this agency will continue to direct credit institutions in Ha Tinh to implement many synchronous solutions. Specifically, the units will focus on reducing operating costs, lowering lending interest rates; increasing access to capital for people and businesses; and at the same time, implementing support programs for those facing difficulties due to natural disasters and epidemics.

At the same time, credit institutions will proactively deploy appropriate credit packages, fully and promptly meeting the capital needs for production, business and legitimate consumption of people and enterprises. The goal is to promote effective credit growth, coupled with credit quality control, thereby actively contributing to the socio-economic development of the locality.

Source: https://baohatinh.vn/thay-gi-tu-chi-so-tang-truong-tin-dung-cua-ha-tinh-post296523.html