Credit acceleration at the end of the year: Ensuring balance between "quantity" and "quality"

(Baohatinh.vn) - Credit institutions in Ha Tinh are accelerating the "injection" of capital into the economy, while simultaneously implementing synchronous solutions to control credit quality, ensuring safety and efficiency.

According to the State Bank of Vietnam (SBV), by the end of September 2025, credit in the entire economy will increase by 13.37% compared to the end of 2024. It is expected that the credit growth rate for the whole year of 2025 will reach about 19-20% - the highest level in many years. Strong credit growth is an important factor supporting economic growth, but it needs to go hand in hand with strict control of credit quality to avoid the risk of bad debt.

By the end of September 2025, credit in the whole economy will increase by 13.37% compared to the end of 2024.

In Ha Tinh , by September 30, 2025, the total outstanding debt of the banking sector reached about 119,790 billion VND, an increase of 10% compared to the beginning of the year. This growth rate clearly reflects the recovery and development process of the local economy. The province has effectively implemented solutions to reform administrative procedures, improve the investment and business environment, create favorable conditions to attract projects and support businesses and people to develop production and business.

At the same time, close direction from the State Bank of Region 8 and efforts from credit institutions in the area have contributed to effectively promoting capital resources, allocating credit close to practical needs, ensuring capital flows in the right direction and on target.

Notably, a number of credit institutions in Ha Tinh have now achieved and exceeded the credit growth target assigned for 2025. In the context of high demand for loans, banks still aim to strictly control credit quality, not allowing bad debt to increase.

At Agribank Ha Tinh II Branch, as of October 9, 2025, total outstanding loans reached VND 18,767 billion, an increase of VND 2,623 billion compared to the beginning of the year, equivalent to an increase of 16.25%.

The leader of Agribank Ha Tinh II Branch said: In the fourth quarter of 2025, the unit will continue to strictly control credit flows to areas with potential risks; regularly update mechanisms, policies, and legal regulations and closely manage developments in the real estate market; strengthen supervision of credit growth quality, and appraisal of collateral values ​​of loan customers...

Customers come to make transactions at Agribank Ha Tinh II Branch.

For the current joint stock commercial banking sector, they are also implementing a "dual goal": both releasing capital to the economy to serve year-end needs and focusing on preventing the emergence of bad debt that affects credit quality.

Mr. Mai Le Thuan - Director of HD Bank Huong Son said: Currently, outstanding credit has increased by 30% compared to the beginning of the year, far exceeding the assigned target. The credit structure of the unit is quite reasonable: 40% for production - business, 40% for agriculture - rural areas and 20% for consumption and life. Thanks to good control of credit quality and implementation of strict risk assessment and appraisal measures, the unit's bad debt ratio is currently only at 0.01% of total outstanding debt. In the coming time, the unit will continue to prioritize lending to customers with collateral and good cash flow; promote digitalization of lending processes, and flexible debt handling to improve operational efficiency.

From a business perspective, Mr. Nguyen Huu Cuong - Director of Duc Tai Industrial Mechanical Joint Stock Company (Tran Phu Ward) said: The end of the year is the period when businesses need capital to invest in expanding production to serve the domestic and export markets. During the operation process, businesses are not only supported by banks to access capital but also receive advice on financial solutions, helping them operate more safely and effectively. The unit always carefully assesses risks and builds reasonable financial plans to ensure stable cash flow, thereby ensuring timely debt repayment. Building a good credit history will open up opportunities to access long-term, sustainable capital from "banks".

Ha Tinh enterprises have a large capital need at the end of the year.

In the fourth quarter of 2024, the State Bank of Vietnam (SBV) Region 8 will continue to direct credit institutions in Ha Tinh to reduce costs, lower lending interest rates, and increase access to capital for people and businesses, especially those affected by natural disasters and epidemics. Banks will also deploy appropriate credit packages to promptly meet production, business and legitimate consumption needs; while ensuring credit growth along with quality control and maintaining stability in the local financial and banking system.

It can be seen that, in the context of a strong economic recovery, credit growth in Ha Tinh in particular and the whole country in general has contributed significantly to promoting production and business, supporting businesses and people to access necessary financial resources. However, along with the "quantity" growth is the urgent need to improve "quality" - control risks, improve capital efficiency and ensure system safety.

Ha Tinh Banking sector facilitates people and businesses to access capital for production, business and consumer credit.

According to economic experts, to develop sustainable credit, the banking industry needs to increase the application of digital technology, innovate credit processes to shorten approval time, improve customer experience; selectively expand credit, prioritizing the fields of production, agriculture, supporting industry, green transformation...

At the same time, regularly update market developments, closely monitor high-risk areas such as real estate, consumer credit; promote support for small and medium-sized enterprises and individual startups through preferential credit packages, financial consulting and reform of loan procedures; strengthen bank-enterprise coordination in building transparent credit strategies, developing financial capacity and improving credit ratings.

Source: https://baohatinh.vn/tin-dung-tang-toc-cuoi-nam-dam-bao-can-bang-giua-luong-va-chat-post297482.html