Mr. Nguyen Duc Lenh, Deputy Director of the State Bank of Vietnam (SBV) Branch in Region 2, reported that credit activities in Ho Chi Minh City (HCMC) and Dong Nai Province have maintained a positive growth rate over the past three months. Specifically, August 2025 saw a 0.9% increase, September 2025 rose by 1.28%, and October 2025 climbed by 1.19%. This growth is notable, considering the region’s high debt ratio within the entire system.
According to Mr. Lenh, outstanding credit in HCMC reached VND 4,950 trillion, accounting for 89.6% of the region’s total debt and marking a 10.6% increase compared to the end of 2024. Meanwhile, Dong Nai Province’s outstanding credit stood at VND 574 trillion, representing 10.4% of the region’s total debt and growing by 8.5% year-on-year.
In October 2025 alone, Dong Nai Province’s outstanding credit decreased by 0.5% month-on-month, primarily due to declines in short-term and foreign currency loans. However, medium to long-term credit increased by 0.03%. Additionally, credit for infrastructure development projects (transportation, ports, airports) in Dong Nai, funded by credit institutions outside the province, continued to be disbursed as planned.
These results highlight that credit growth over the first 10 months of 2025 in HCMC and Dong Nai Province remains closely tied to local socioeconomic development. It also reflects the effectiveness of the central bank’s monetary and interest rate policies. This growth serves as a foundation for local banking sectors to meet capital demands for production, business, services, and tourism in the remaining months of the year, thereby fostering growth in production, consumption, and exports.
– 16:12 19/11/2025
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