The consumer credit results in Ho Chi Minh City (HCMC) and Dong Nai province over the first nine months of 2025 have shown a positive growth trend, significantly impacting production, business activities, and economic growth.
Mr. Nguyen Duc Lenh, Deputy Director of the State Bank of Vietnam (SBV) – Branch 2, emphasized the importance of analyzing credit debt by capital usage. This analysis is crucial for evaluating credit efficiency, guiding policy implementation, and ensuring the SBV’s credit mechanisms effectively support socioeconomic development. Categorizing and monitoring consumer credit activities not only enhances risk management and efficient credit growth but also plays a vital role in boosting economic growth by leveraging consumer spending as a key economic driver.
Assessing consumer credit performance in HCMC and Dong Nai helps forecast future growth trends, aiding in effective credit management and expansion.
As of September 2025, total consumer credit debt in HCMC and Dong Nai reached 1,481 trillion VND, accounting for 27.1% of total credit debt and marking an 8.65% increase compared to the end of 2024. HCMC dominates with 92.8% of total consumer credit debt, while Dong Nai holds 7.2%.
Analyzing capital usage, loans for purchasing, leasing, constructing, and renovating homes, as well as land use rights for residential construction, remain the largest segment. By September 2025, this sector’s credit debt totaled 906.1 trillion VND, representing 61.2% of consumer credit debt and a 7% increase from 2024.
Statistics also highlight robust growth in consumer credit for household goods, equipment, and daily essentials, which positively impacts the production of consumer goods and essential services. These sectors account for 27% of total consumer credit debt. Specifically, loans for household goods and equipment reached 251.8 trillion VND, making up 17% of consumer credit debt and growing by 27% since 2024.
The 2025 consumer credit performance in HCMC and Dong Nai reflects strong growth, positively influencing production, business, and economic expansion.
According to Mr. Lenh, expanding and modernizing consumer credit through technology and payment services will continue to drive growth, given the vast market potential. This aligns with socioeconomic expansion and administrative reforms, ensuring sustained consumer credit growth and efficiency.
– 15:02 06/12/2025
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