Total outstanding loans increased by 14.2%.

In 2025, the monetary market in Lao Cai province continued to maintain stability. Bank branches and people's credit funds consistently ensured good payment capabilities, promptly meeting the credit capital needs for production and business development of all economic sectors. At the same time, the banking system focused on unlocking capital sources to meet the borrowing needs of poor households, near-poor households, and social policy beneficiaries in the province.

Through discussions with leaders of the State Bank of Vietnam's regional branch 4, it was estimated that locally mobilized capital would reach VND 97,576 billion by the end of December 2025, an increase of 12.9% compared to December 31, 2024, accounting for 69.7% of total capital. Banks and people's credit funds have proactively mobilized capital in the area, reducing their dependence on capital from their head offices.

Staff at Agribank's Bac Yen Bai branch assist customers conducting transactions.

Total outstanding loans as of the end of December 2025 are estimated at VND 129,270 billion, an increase of 14.2% compared to December 31, 2024. Credit capital adequately meets the needs of people and businesses. The ratio of non-performing loans on the balance sheet to total outstanding loans in the province is at a safe level below 1%.

Source: https://baolaocai.vn/tong-du-no-cho-vay-tang-142-post890828.html