Outstanding credit across Vietnam's banking system reached VND20.03 quadrillion ($764 billion) as of June 29, 2026, up 7.73% from the end of 2025, according to the State Bank of Vietnam.
The increase represents an additional VND1.4 quadrillion in lending to the economy during the first six months of the year, reflecting continued efforts to support economic growth and business activity.
Data from the central bank showed that by the end of May, 77% of the total outstanding loans were directed toward production and business activities, highlighting the banking sector's focus on financing the real economy.
Agriculture and rural development accounted for 22.09% of the total outstanding credit, while loans to small and medium-sized enterprises (SMEs) made up 19.84%, underscoring the sector's role in supporting key economic priorities.
Meanwhile, outstanding loans to the real estate sector represented 25.73% of the total credit in the economy. The non-performing loan (NPL) ratio for owner-occupied housing loans remained relatively low at 2.3%, indicating that credit quality in this segment has remained stable despite continued expansion in lending.
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