Information on policy credit loans is publicly posted in wards and communes.

Positive signal

As of July, the export turnover of goods was estimated at 131 million USD, up 17%; the industrial production index also increased by 21.9% over the same period. A number of projects creating new production capacity have come into operation, contributing positively to growth. Regarding tourism activities, the number of visitors to Hue reached 708,800, up 80.3%; revenue from tourism reached 1,247 billion VND, up 53.5% over the same period... These key industries contributed significantly to Hue's economic growth in the first months of the year.

To achieve these impressive figures, credit activities in the area have contributed significantly. Data from the State Bank of Vietnam (SBV) Region 9 shows that by the end of July 2025, total outstanding credit in Hue City reached VND 88,200 billion, an increase of 5.01% compared to the end of 2024.

In the context of low interest rates, to attract customers, many banks apply preferential policies such as: Implementing customer appreciation programs, giving additional interest when depositing money. Currently, some banks such as: Military Commercial Joint Stock Bank (MB) are applying a program to add 0.3%/year for customers making online savings deposits for a term of 1-6 months; Techcombank adds 1%/year for deposits from 100 million VND with a term of 3, 6 and 12 months...

Thanks to that, the total capital mobilized at credit institutions (CIs) in the city by the end of July 2025 reached VND 85,350 billion, an increase of 10.49% compared to the end of 2024.

People learn about loan sources at the commune transaction point.

Focus credit on priority areas

Data from the State Bank of Vietnam Region 9 also shows that credit institutions in the city continue to focus on lending to priority sectors according to the Government's policy. Most of the credit in priority sectors has a high growth rate compared to the previous year. By the end of July 2025, credit for the rural agricultural sector reached VND 17,900 billion, up 7.25%; credit for small and medium enterprises is estimated at VND 15,500 billion, up 21.72%; credit for exports is estimated at VND 5,700 billion, up 10.47%; loans for supporting industries are estimated at VND 1,800 billion, up 20.89% compared to the end of 2024.

Credit programs serving the three national target programs also maintained good growth momentum. In particular, the outstanding loan program to support residential land, housing, production land, job conversion and production development according to the value chain according to Decree No. 28/2022/ND-CP, dated April 26, 2022 of the Government has disbursed VND 50.1 billion, an increase of 19.7% compared to the end of 2024. Outstanding loans for new rural construction reached VND 17,473 billion, an increase of 12.03%; credit for poor households and other policy beneficiaries had a total outstanding loan balance up to June 30, 2025 of VND 5,241 billion, an increase of 6.6% compared to the end of 2024.

Notably, the programs and policies under the Government's and the State Bank's guidelines have been implemented quite effectively by credit institutions in the area. Notably, the credit package for the agriculture, forestry and fishery sector with a scale of about 100,000 billion VND, with a preferential interest rate lower than the average by 1-2%/year. Currently, the total disbursement amount of this credit package is more than 2,233 billion VND, with the participation of three banks: VietinBank Nam Hue, BIDV Hue and BIDV Phu Xuan. As of June 30, 2025, the outstanding loan balance from the program reached 340 billion VND, contributing practically to supporting businesses and people in production and business.

Activities to support the connection between banks and enterprises have also been implemented in many forms and with diverse support contents. By the end of the first quarter of 2025, credit institutions in the area had organized 63 meetings and dialogues between banks and enterprises. Through these meetings and dialogues, credit institutions have lent VND 13,362 billion to 1,398 enterprises and 1 other subject; restructured the repayment period for 482 customers with a total outstanding principal and interest of VND 559.54 billion. In addition, credit institutions also provide support in other forms such as: Reducing interest rates, fees, etc. for enterprises to accompany and support enterprises to overcome difficulties.

Recently, the State Bank of Vietnam has issued an official dispatch requesting the banking system to resolutely and effectively implement solutions to stabilize deposit interest rates and reduce lending interest rates to promote economic growth in 2025. Accordingly, the State Bank of Region 9 has also requested credit institutions to implement solutions to stabilize and strive to reduce deposit interest rates, contributing to stabilizing the monetary market, creating room for reducing lending interest rates; focusing on prioritizing the allocation of credit capital to production and business sectors, priority sectors and economic growth drivers; strictly controlling credit in potentially risky sectors...

Article and photos: Hoang Anh

Source: https://huengaynay.vn/kinh-te/tin-dung-tang-truong-o-nhieu-mui-nhon-158067.html