Bank credit - a driving force for local economic development.

In the context of a challenging macroeconomic environment and a capital absorption capacity that has not recovered as expected, bank credit continues to be an important "lever" to promote growth and economic stability in the South Central and Central Highlands regions...

Thời báo Ngân hàng•24/01/2026

Directing capital flows into production and business activities.

In the context of economic recovery and development in the South Central and Southern Central Highlands regions, bank credit continues to play a crucial role, acting as both a "conductor" for production and business, and a support system helping businesses and people overcome difficulties and stabilize their lives. Within the jurisdiction of the State Bank of Vietnam (SBV) Regional Branch 10, encompassing the provinces of Khanh Hoa and Lam Dong, flexible and coordinated monetary policy management efforts have been and are creating an important foundation for local economic growth.

Region 10 has the potential for multi-sector development, ranging from industry, services, and tourism to high-tech agriculture . However, it is also a large area with significant geographical distances and challenging transportation conditions in many places, posing numerous challenges in the management and operation of banking activities.

In 2025, despite facing difficulties, closely following the directives of the Government and the State Bank of Vietnam, and with the decisive involvement of local Party committees and authorities, the banking system in Region 10 has implemented a comprehensive set of monetary and credit solutions, contributing to alleviating difficulties for businesses and people, and promoting socio-economic development.

Tín dụng ngân hàng - động lực thúc đẩy kinh tế ở Nam Trung Bộ - Tây Nguyên.

Bank credit - a driving force for economic growth in the South Central and Central Highlands regions.

Mr. Bui Huy Tho, Director of the State Bank of Vietnam's Regional Branch 10, stated that the unit has strengthened its direction to credit institutions to fully and promptly implement credit programs and policies as directed by the Government and the State Bank of Vietnam. The focus is on continuing to implement solutions to reduce lending interest rates, supporting customers in recovering production and business; orienting credit growth towards safe and effective practices, concentrating on production, business, and priority sectors in accordance with government policies, while strictly controlling credit to sectors with potential risks. In addition, the bank-enterprise connection program has been promoted, contributing to improving access to credit for economic sectors and promptly resolving difficulties and obstacles arising during the loan process.

In reality, proactively engaging in dialogue, listening to, and supporting businesses has become a key focus of banking operations in Region 10. In 2025, the State Bank of Vietnam's Region 10 branch coordinated and organized numerous conferences, meetings, and dialogues between banks and businesses. Through these events, they directly identified difficulties and obstacles related to access to capital and credit growth, and promptly provided solutions to address them.

Công ty TNHH MTV Yên Tâm ở xã Tân Hội (Lâm Đồng), đã và đang được tiếp sức từ vốn Ngân hàng.

Yen Tam One-Member Limited Company in Tan Hoi commune (Lam Dong province) has been receiving support from bank capital.

Thanks to this, many businesses have been able to access support policies and loans with preferential interest rates, creating conditions to maintain and expand production and business activities. At Yen Tam One-Member Limited Company in Tan Hoi commune (Lam Dong province), a business specializing in the production of organic fertilizers, the company currently employs more than 20 local workers with an average income of about 10 million VND/month. Mr. Tran Van Yen, the company's director, said that throughout the company's production and business process, the bank, specifically Agribank Lam Dong II, has always been a partner. During difficult times, the preferential interest rates from the bank have been a "lifeline" for the company to overcome challenges...

According to Mr. Le Van Cuong, Director of BIDV Dak Nong branch, to effectively support businesses, the branch has intensified bank-business connection activities through regularly organizing conferences and seminars on specific industries and sectors; and establishing a point of contact between the bank and business associations to promptly identify and resolve difficulties. Notably, the bank has shifted from a mindset of "waiting for businesses to borrow" to "proactively approaching, advising, and accompanying businesses," being flexible in credit policies, sharing difficulties, and building sustainable, long-term cooperative relationships.

Mô hình vay vốn đầu tư phát triển nông nghiệp cao ở xã Tân Hội, Lâm Đồng.

A model of high-value agricultural development investment loans in Tan Hoi commune, Lam Dong province.

Thanks to synchronized solutions, by the end of 2025, the total mobilized capital of credit institutions in Region 10 reached VND 414,608 billion, an increase of 16.75% compared to the beginning of the year. Outstanding loans reached VND 574,307 billion, an increase of 9.62%; if including outstanding loans from credit institutions outside Region 10, the total outstanding credit reached VND 762,802 billion. Credit flows continued to focus on production and business sectors, especially priority sectors as directed by the Government.

Alongside credit growth, credit institutions are also focusing on controlling and improving credit quality, strengthening supervision of loan utilization, proactively developing appropriate debt resolution plans, and ensuring system safety. Ms. Huynh Thi Kim Dung, Director of VietinBank Lam Dong branch, stated that the branch recognizes that credit growth must go hand in hand with quality, not chasing "hot" growth. Credit activities are oriented towards closely following the economy's capital absorption capacity, with a rational credit structure to minimize risks and improve capital utilization efficiency. The application of digital transformation in appraisal and data-driven decision-making is also being promoted, contributing to improved credit quality and risk identification capabilities.

Dòng vốn tiếp tục tập trung vào lĩnh vực sản xuất, kinh doanh, đặc biệt là các lĩnh vực ưu tiên

Capital flows continue to concentrate in the manufacturing and business sectors, especially priority areas.

Banks - a pillar of recovery after natural disasters.

Besides playing a crucial role in promoting economic growth, bank credit also provides timely support for individuals and businesses during difficult times. Following the historic floods in November 2025, the State Bank of Vietnam's Regional Branch 10 promptly issued a directive to credit institutions in the area to implement solutions to support customers.

Measures such as debt restructuring, interest rate reductions and waivers, and consideration of new loans based on the feasibility of production and business plans have been implemented synchronously. At the same time, consumer loan products with simplified procedures have been promoted to help people stabilize their lives, especially in rural areas, remote regions, poor households, and policy beneficiaries…

Mr. Le Van Lam, Deputy Director of Agribank Ninh Thuan, said that the branch had proactively reviewed customers affected by the floods and implemented support solutions such as reducing interest rates and restructuring repayment terms. Specifically, the unit reduced interest rates for 2,140 customers with outstanding loans of 499 billion VND, a reduction of 0.5% per year for 6 months, contributing to helping customers quickly recover production and business.

Tín dụng ngân hàng “điểm tựa” kịp thời cho người dân và doanh nghiệp trong những thời điểm khó khăn, đặc biệt sau đợt mưa lũ lịch sử tháng 11/2025.

Bank credit provides timely support for people and businesses during difficult times, especially after the historic floods in November 2025.

By the end of December 2025, credit institutions in Region 10 had restructured loan repayment terms for 709 customers with a total outstanding debt of VND 162 billion; waived or reduced interest for 465 customers with a total amount of VND 806 million; and provided new loans to support production recovery for 837 customers with a total disbursement of VND 229 billion, at interest rates 1 to 2% lower per year than usual…

Through its efforts, the banking sector has made a significant contribution to maintaining socio-economic stability in the locality. In 2025, Lam Dong's economy continued to grow with a GRDP increase of 6.42%, and budget revenue reaching VND 31,577 billion. In Khanh Hoa, GRDP increased by 7.11%, and budget revenue reached VND 38,926 billion, far exceeding the projected figures… Mr. Le Huyen, Vice Chairman of the People's Committee of Khanh Hoa province, affirmed that among the positive results of the locality, the banking sector has made an important contribution by mobilizing idle capital, providing loans for legitimate production, business, and consumption, and at the same time promptly supporting people and businesses affected by natural disasters.

Entering 2026, the first year of implementing the 2026-2030 development goals, the State Bank of Vietnam's Regional Branch 10 has determined to continue managing monetary policy flexibly, striving for a credit outstanding growth of 15% or more, in line with actual developments. The focus will be on further strengthening the connection between banks and businesses, improving credit quality, applying digital transformation, and diversifying products and services, thereby making bank capital a truly sustainable driving force for economic development in the region.

Source: https://thoibaonganhang.vn/tin-dung-ngan-hang-dong-luc-thuc-day-kinh-te-dia-phuong-177008.html