Mr. Nguyen Duc Lengh – Deputy Director of the State Bank of Vietnam (SBV), Branch No. 2, attributed the slight adjustment in credit in the month mainly to technical factors associated with the regional factor. Specifically, credit outstanding in the old Binh Phuoc province decreased by 4.07%, while credit outstanding in the old Dong Nai province increased by 0.69% compared to the previous month. Overall, credit in Dong Nai province continues to effectively meet the capital needs of enterprises, households, and cooperatives, in tandem with the growth drivers of the economy and the monetary and credit policies of the SBV.
First, the SBV maintains a reasonable and low-interest rate policy while flexibly managing the credit limit tool, including adjusting upward the credit targets for credit institutions with good performance and strong credit growth in the first half of the year, to sustain credit growth momentum and adequately meet the capital demands for economic growth to achieve the set targets in the remaining months of the year.
Second, credit institutions, both nationally and in Dong Nai province, continue to implement solutions for credit expansion and growth, as well as efficient capital utilization. Consequently, as of July 2025, total capital mobilization in the province reached VND 448,696 billion, marking a 7.48% increase compared to the end of the previous year.
Simultaneously, there has been a continued push for administrative reform, coupled with the development of banking services, proactive adjustment of business processes, and enhanced communication to align with the two-tier government model, especially in agricultural and rural areas, to best meet the capital and banking service needs of enterprises and individuals. As a result, outstanding loans in the province’s agricultural and rural sectors reached approximately VND 183 trillion, accounting for 31.8% of the province’s total outstanding credit. The effectiveness of policy credit programs and rural construction credit programs has been evident in Dong Nai province.
Third, the province’s socio-economic landscape continues to grow, with key growth drivers such as consumption, exports, and investments receiving due attention and supportive measures (including infrastructure projects and the development of industrial parks and export processing zones). The activities of foreign-invested enterprises and the private sector continue to thrive, serving as catalysts for credit and economic growth within the bank-customer relationship, working towards the realization of the set annual targets.
– 08:46 25/08/2025
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