This information was provided by Deputy Governor of the State Bank of Vietnam Pham Thanh Ha at the regular government press conference in September, held on the morning of October 3rd .
According to the Deputy Governor, as of September 30th, the total outstanding loans of the banking system reached approximately 20.75 million billion VND, an increase of 11.59% compared to the end of 2025 and a 16.69% increase compared to the same period last year. This increase is in line with the State Bank of Vietnam's target for the whole year.
To facilitate credit institutions in providing funding for priority sectors and key projects, the State Bank of Vietnam has issued guidelines for several important types and needs.
This includes social housing, industrial parks, export processing zones, hotels, eco- tourism areas, and resorts. Outstanding loans arising in these sectors are not included in the credit outstanding that needs to be controlled.
This regulation creates more room for commercial banks to consider financing investment projects in hotels, resorts, and tourism service infrastructure, given that businesses need medium and long-term capital to improve products, upgrade facilities, and expand business operations.
The State Bank of Vietnam also instructed commercial banks to proactively exclude large-scale, key projects with spillover effects and regional linkages from the increased credit balance, thereby contributing to achieving double-digit growth targets.
Along with creating more credit space, the banking sector is implementing lending programs aimed at driving economic growth and supporting small and medium-sized enterprises.
From the initial registration by 4 state-owned commercial banks, 19 banks have now announced their participation in the program, with a total value of approximately 409,000 billion VND.
Of these, 10 banks disbursed loans to approximately 12,900 customers, with a total outstanding loan balance of about 18,600 billion VND. The lending interest rates were 1-3.6% lower than the usual interest rates of the participating banks themselves.
Expanding access to credit is taking place against the backdrop of continued tourism growth. In the first nine months of 2026, Vietnam welcomed approximately 17.7 million international visitors, a 14.5% increase compared to the same period the previous year.
The increase in tourist numbers creates additional demand for investment in accommodation facilities, resorts, ecotourism products, and related services. However, the ability to convert tourist numbers into revenue, length of stay, and spending levels still depends on the quality of products, infrastructure, and service capacity at the destination.
In the fourth quarter, the State Bank of Vietnam will continue to focus credit on priority sectors and those that are drivers of growth, while strictly controlling sectors with potential risks.
Credit institutions are required to simplify procedures and processes and enhance the application of digital technology, creating more favorable conditions for people and businesses to access bank capital.
Source: https://baovanhoa.vn/du-lich/tao-them-du-dia-tin-dung-cho-cac-du-an-du-lich-271143.html
