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In an increasingly competitive banking sector, VPBank stands out as a notable case study, thanks to its comprehensive and dynamic financial ecosystem. Beyond mere expansion, the strategic synergy among its member units has forged a closed-loop value chain, where each component seamlessly complements and amplifies the others.

Despite lingering risks, particularly in real estate and consumer sectors, the overall outlook remains positive as the year draws to a close. With credit growth sustaining its steady pace and legal frameworks for debt resolution improving, bad debt levels are likely to ease slightly by year-end, staying within manageable limits.

Credit growth is projected to reach a robust 20% this year, signaling a positive outlook for the entire banking sector. However, Q3 financial reports reveal a more nuanced narrative: it’s not just about the pace of growth, but the shifting dynamics of credit flows and emerging challenges that will shape the future trajectory of individual banks in the coming period.