According to the synthesis of the State Bank, Branch Region 7, by the end of May 2025, the outstanding credit balance of credit institutions in the region is estimated at VND 594,804 billion, an increase of 7.0% compared to the end of 2024, of which the outstanding credit balance in Ha Nam province accounts for 16.14%. Of the above total outstanding balance, the outstanding credit balance for the agriculture, forestry and fishery sector reached VND 55,116 billion, a decrease of about 9.7% compared to the end of 2024, accounting for 9.25% of the total outstanding credit balance in the region. Outstanding credit balance in the agriculture, forestry and fishery sector in Thanh Hoa accounts for the largest proportion of the total outstanding credit balance in the region (55%), followed by Nam Dinh (20.3%), Ninh Binh (15.1%), Ha Nam (9.5%). Credit for industry and construction reached VND 109,242 billion, down 2.87% compared to the end of 2024, accounting for 18.34% of total outstanding credit in the region. The proportion of outstanding credit in industry and construction is distributed quite evenly among the provinces, of which Ninh Binh accounts for the largest proportion (31.04%), followed by Ha Nam (25.9%), Thanh Hoa (24.74%), Nam Dinh (18.3%). Credit for the trade and service sector reached VND 430,432 billion, up 3.02% compared to the end of 2024, accounting for 72.29% of total outstanding credit in the region, of which outstanding credit in the trade and service sector in Thanh Hoa accounts for the largest proportion (34.5%), followed by Nam Dinh (26.5%), Ninh Binh (25.3%), Ha Nam (13.7%).
To achieve the above results, the State Bank and Branch Region 7 have proactively followed the direction of the Government, the State Bank of Vietnam, the Resolution of the Provincial People's Councils on the socio -economic development tasks in 2025 and policies related to banking operations, promptly implementing the tasks of the sector in conjunction with local socio-economic development. On that basis, the branch directed credit institutions in the area to: provide credit to production and business sectors, priority sectors, create favorable conditions for people and businesses to access capital, ensure compliance with legal regulations, contribute to limiting black credit; actively participate and effectively and practically implement the bank-business connection program. Specifically, in April and early May 2025, credit institutions organized 18 meetings, exchanges, and dialogues with the business community to promptly grasp the difficulties and obstacles in credit relations with banks. By the end of April, banks had committed to lending an amount of VND 23,015 billion, cumulative lending turnover from the beginning of the year reached VND 14,405 billion, outstanding credit balance was VND 18,851 billion with 753 customers with outstanding loans. Of which, new loans were VND 5,607 billion with 218 customers; debt restructuring was VND 591 billion with 4 customers; other forms of support were VND 12,653 billion with 531 customers.
Mr. Nguyen Thanh Trung, Deputy Director of the Bank for Agriculture and Rural Development (Agribank) Ha Nam II Branch, said: The branch regularly directs and urges its affiliated units to increase capital investment in the field of agricultural and rural development, lending to collective economies; implementing policies to restructure debt repayment terms, maintaining debt groups to support customers in difficulty; implementing credit programs for the aquaculture sector; strictly controlling credit for potentially risky areas; continuing to implement solutions to support and remove difficulties for customers. In the coming time, the branch will continue to expand production, business and consumption loans in agricultural and rural areas to better meet the legitimate borrowing needs of the people. At the same time, the unit also coordinates with sectors and localities to effectively implement specific credit programs in the agricultural sector, especially programs for developing high-tech agriculture, agricultural production according to value chains, linkage models, and agricultural product processing, helping to increase production value, contributing to the successful implementation of the Agricultural Restructuring Project.
In April and early May 2025, credit institutions organized 18 meetings, exchanges and dialogues with the business community to promptly grasp the difficulties and obstacles in credit relations with banks. By the end of April, banks had committed to lending VND 23,015 billion, cumulative lending turnover from the beginning of the year reached VND 14,405 billion, outstanding credit balance was VND 18,851 billion with 753 customers with outstanding loans. Of which, new loans were VND 5,607 billion with 218 customers; debt restructuring was VND 591 billion with 4 customers; other forms of support were VND 12,653 billion with 531 customers.
In the last 6 months of 2025, commercial banks in the province will focus on promoting innovation and digital transformation according to Decision No. 1364/QD-NHNN dated March 5, 2025 issued by the Governor of the State Bank of Vietnam, the Plan of the Banking sector to implement Resolution No. 57-NQ/TW dated December 22, 2024 of the Politburo on breakthroughs in science and technology development, innovation and national digital transformation. Strictly implementing the direction of the Government, the State Bank of Vietnam in stabilizing deposit interest rates, reducing lending interest rates to support production and business, socio-economic development; at the same time, actively implementing solutions to support and remove difficulties and obstacles for customers; simplifying procedures and lending conditions; enhancing the application of information technology, digital transformation to facilitate customers' transactions. Improving credit quality, minimizing overdue debt, newly arising bad debt; Tightly control credit for high-risk areas such as: real estate loans, securities, corporate bonds, BT and BOT projects...
Regularly inspect, monitor and evaluate the use of loans and the ability to repay debts of customers, especially customers and related parties with large outstanding debts and loans in high-risk areas. Continue to implement credit programs and policies according to the policies of the Government, the Prime Minister and the State Bank, especially focusing on promoting the effective implementation of the VND 145,000 billion credit program for social housing, workers' housing, and projects to renovate and rebuild old apartments according to Resolution 33/NQ-CP of the Government; the VND 100,000 billion credit program for the agriculture, forestry and fishery sectors;... ensuring that these policies and programs are implemented substantially and effectively, striving to complete the proposed capital growth plan.
Tran Thoan
Source: https://baohanam.com.vn/kinh-te/tai-chinh-ngan-hang/phan-dau-hoan-thanh-muc-tieu-tang-truong-tin-dung-166839.html
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