Total outstanding loans of listed banks reached 13.6 million billion VND

According to statistics from 27 banks listed on the stock market, by the end of the third quarter of 2025, the total outstanding loans of these banks reached 13.6 million billion VND, an increase of 15% compared to the end of 2024, showing a sharp increase in credit demand.

Of which, the group of 3 state-owned commercial banks increased quite strongly. Specifically, the Vietnam Joint Stock Commercial Bank for Investment and Development ( BIDV ) took the lead, with outstanding loans of more than VND 2.23 million billion, up 8.8% compared to the end of 2024, equivalent to an increase of more than VND 180,000 billion.

Vietnam Joint Stock Commercial Bank for Industry and Trade (VietinBank) reached 1.99 million billion VND, up 15.6%; Vietnam Joint Stock Commercial Bank for Foreign Trade ( Vietcombank ) reached 1.63 million billion VND, up 12.5%.

BIDV continues to have a fairly high growth rate. Illustrative photo

Leading the group of listed joint stock commercial banks is the Military Commercial Joint Stock Bank (MB), with outstanding loans of VND931,500 billion, an increase of nearly 20%; followed by Vietnam Prosperity Joint Stock Commercial Bank ( VPBank ), with nearly VND900,000 billion.

In terms of growth rate, many banks grew higher than the general credit growth rate, such as National Commercial Joint Stock Bank (NCB) which increased by 33.4%, far exceeding the general level and completing 103% of the bank's plan.

Or VPBank increased by 29.4%; Vietnam Technological and Commercial Joint Stock Bank (Techcombank) increased by 21.4%; Military Commercial Joint Stock Bank (MB) increased by 19.9%; Tien Phong Commercial Joint Stock Bank (TPBank) increased by 18.3%... Other banks also had impressive increases such as Saigon - Hanoi Commercial Joint Stock Bank (SHB) 16.9%; Asia Commercial Joint Stock Bank (ACB) 15.2%; Vietnam International Commercial Joint Stock Bank (VIB) 15%...

Techcombank representative said that Techcombank's overall credit portfolio has had a positive shift, in which personal customer credit increased by 20% compared to the beginning of the year, higher than the 16% of corporate customers, equivalent to outstanding loans of VND 342,000 billion, reflecting a strong shift to the retail segment. In the coming time, the bank will prioritize capital allocation to areas that bring optimal profitability, while still ensuring the safety and quality of the credit portfolio.

Experts predict that with the current interest rate level, the net interest margin of banks will remain stable, and the pressure to set aside bad debt provisions will be insignificant, thanks to well-controlled asset quality. As a result, the profit growth of the entire banking sector is forecast to be higher than the credit growth rate of 19.6%, reflecting improved operational efficiency and positive growth potential in the coming period.

The analysis team of Vietcombank Securities Company (VCBS) forecasts that the whole year's banking growth will reach 18-20%, but the room for reducing deposit interest rates will be limited, instead there will be a tendency to increase slightly again due to many reasons. Credit is likely to accelerate at the end of the year when the State Bank loosens the target, forcing banks, especially joint stock banks, to boost capital mobilization, increasing the risk of local liquidity shortages.

Source: https://hanoimoi.vn/tong-du-no-cho-vay-cua-cac-ngan-hang-niem-yet-dat-13-6-trieu-ty-dong-722034.html