Credit is back in motion right from the start of the new year.

(Baohatinh.vn) - Banks in Ha Tinh are proactively injecting capital into the economy, anticipating credit demand during the Tet holiday, creating momentum for production and consumption, and opening up new expectations for credit growth in 2026.

The year 2025 concluded with many positive achievements for the banking sector in Ha Tinh province, with outstanding credit in the entire area increasing by approximately 16% compared to 2024. This figure not only reflects the efforts of the credit institution system but also shows clear signs of recovery in the local economy .

BIDV Thach Ha branch will launch attractive credit packages starting in early 2025.

In 2025, BIDV Thach Ha Transaction Office ( thuộc BIDV Ha Tinh Branch) achieved a 34% increase in credit growth compared to the previous year. This high growth rate demonstrates BIDV's ability to grasp the market, proactively approach customers, and effectively implement synchronized credit support policies. A notable point in BIDV's current credit strategy is the trend of promoting growth from the beginning of the year, instead of concentrating efforts in the final months. This is considered a significant shift in management thinking, aimed at better controlling credit quality and minimizing risks.

Mr. Nguyen Quoc Hai – Director of BIDV Thach Ha Branch, said: “Right in the first month of the new year, BIDV has implemented a series of solutions to create momentum for sustainable growth. Many large-scale credit packages have been launched and extended until June 30, 2026, such as: a competitive short-term credit package for production and business loans worth VND 20,000 billion; a medium and long-term credit package for individual customers worth VND 100,000 billion... The capital allocation orientation focuses on key areas such as: small and medium-sized enterprises, FDI enterprises, green credit and retail credit. This approach not only helps the bank expand its credit scale but also contributes to restructuring the loan portfolio towards safer and more efficient methods, in line with the requirements of sustainable growth in the medium and long term.”

Not only state-owned commercial banks, but also private commercial banks in the area are actively participating in credit growth. Bac A Bank Ha Tinh is one of the first institutions to develop a credit growth plan for 2026, aiming for an increase of approximately 20% compared to 2025.

Customers applying for loans at Bac A Bank Ha Tinh in early 2025.

Mr. Nguyen Viet Cuong, Deputy Director of Bac A Bank Ha Tinh branch, said: “Early credit growth in 2026 brings many benefits. Accordingly, customers can access capital promptly to implement their production and business plans; the bank can be more proactive in controlling the quality of outstanding loans; and it avoids the situation of 'hot' growth, chasing targets at the end of the year – a factor that carries many potential risks.”

The credit growth solutions implemented at the beginning of the year have shown a positive shift in the credit management of banks, with growth targets being prioritized alongside safety and efficiency requirements. Simultaneously, prioritizing credit growth from the start of the year has also created favorable conditions for the business community in Ha Tinh to accelerate production and business activities, especially during the peak period before, during, and after the Lunar New Year. This clearly demonstrates the supportive role of bank credit for businesses, particularly in the context of a global market still fraught with uncertainties.

Banks have been actively injecting capital into the economy since the beginning of the year.

According to Mr. Pham Anh Tuan, Chief Accountant of Vinatex Hong Linh Joint Stock Company (Nam Hong Industrial Cluster): In addition to medium and long-term loans for investment in production infrastructure, the company is increasing its working capital loans by tens of billions of VND to proactively import raw cotton from international markets when prices fluctuate. The timely "capital injection" from banks helps the company proactively plan its production, striving to achieve the target of over 1,800 tons of yarn for export in the first quarter of 2026.

Entering 2026, the economy is projected to continue facing numerous challenges due to market fluctuations, the global economic downturn, and geopolitical risks. This requires the banking sector in Ha Tinh not only to focus on increasing credit volume but also to pay more attention to loan quality, capital structure, and risk resilience.

The demand for loans from individuals and businesses increases significantly as Tet (Lunar New Year) approaches.

Accordingly, the State Bank of Vietnam Region 8 directed credit institutions in Ha Tinh to continue proactively adhering to the local economic development orientation; increase access to capital for businesses and people in conjunction with implementing solutions to support those facing difficulties due to natural disasters and epidemics; focus credit on production and business sectors, priority sectors, and economic growth drivers as directed by the Government… Thereby, creating momentum to promote local socio-economic development.

Currently, banks are focusing on implementing credit packages that adequately and promptly meet the capital needs for production and business, serving the legitimate living and consumption needs of people and businesses before, during, and after the Lunar New Year; striving to increase credit while controlling credit quality to ensure sustainable development.

Source: https://baohatinh.vn/tin-dung-vao-guong-quay-ngay-tu-dau-nam-moi-post303683.html