The banking sector in Dong Nai is rolling out a series of solutions and credit programs aimed at driving the province's economic growth targets for 2025.
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| Transaction activities at a bank branch in Tran Bien Ward, Dong Nai Province. Photo: Hai Quan |
Maintaining credit growth momentum
According to the State Bank of Vietnam (SBV) – Region 2 Branch, as of early August 2025, total outstanding credit in Dong Nai Province reached more than 574.9 trillion VND, up over 8.7% compared to the end of 2024. Meanwhile, total capital mobilization in the province reached more than 448.6 trillion VND, an increase of nearly 7.5% from the end of 2024.
Nguyen Duc Lenh, Deputy Director of the SBV Region 2 Branch, stated that in the first months of 2025, credit activities in Dong Nai have continued to effectively meet the capital needs of enterprises, production households, business households, and cooperatives, closely aligned with economic growth drivers and the monetary and credit policy mechanisms of the SBV.
The province's banking sector has proactively directed credit capital into sectors that generate growth momentum locally, such as investment, export, and consumption, while also promoting credit programs for infrastructure development, social housing, and projects to eliminate temporary or dilapidated housing across the province.
Nguyen Duc Lenh further noted that credit institutions in the province are continuing to implement measures to expand and grow credit, and to mobilize and utilize capital efficiently. At the same time, these institutions are pushing forward administrative reforms in tandem with banking service development, proactively adjusting and streamlining operational procedures, and enhancing communication efforts to fit the two-tier local government model.
Nguyen Sy Cuong, Deputy Director of the Dong Nai Branch of the Vietnam Bank for Social Policies, shared that the branch has worked closely with local authorities and organizations to promote, disseminate, and guide citizens in using digital banking products. At the same time, it has stepped up the digitization of operational processes and loan documentation, moving toward a paperless banking model for simple transactions.
Looking ahead, the Dong Nai Branch of the Vietnam Bank for Social Policies will continue to explore and expand the application of information technology, digital transformation, artificial intelligence (AI), and big data to reduce costs, save human resources and time, and optimize management and control processes, ensuring tasks are performed accurately and safely, thereby enhancing the effectiveness of policy credit activities across the system.
Nguyen Duc Lenh, Deputy Director of the State Bank of Vietnam – Region 2 Branch, emphasized that Dong Nai's socio-economic landscape continues to show strong growth momentum. Key drivers such as consumption, exports, and investment remain a focus for the province, with corresponding support measures actively being implemented. At the same time, activities of FDI enterprises and the private sector are also expanding. These factors will serve as key drivers of credit growth and overall economic development, within the close relationship between banks and customers, contributing to the fulfillment of the banking sector's 2025 targets in Dong Nai.
Enhancing support for citizens and businesses in accessing capital
To further support citizens and businesses in accessing credit, especially preferential lending programs that drive local economic growth, the provincial banking sector continues to guide and implement flexible, appropriate credit policies and solutions. These efforts are aimed at achieving the 2025 targets while creating room for growth in the remaining months of the year.
According to many experts, for preferential lending programs to be effective, banking credit activities must go hand in hand with measures to reduce operating costs. This undertaking helps maintain stable deposit interest rates and lower lending rates, thereby enabling enterprises, production households, business households, and cooperatives to access preferential capital, improve efficiency, and stimulate production and business activities.
Nguyen Duc Lenh, Deputy Director of the SBV Region 2 Branch, added that maintaining stable deposit interest rates, cutting operational costs, streamlining administrative procedures, and creating convenient transaction processes are practical solutions and concrete actions directed and emphasized by the State Bank throughout the entire system of credit institutions. The core objective is to support enterprises and boost economic growth in the final months of 2025.
At present, the banking sector is channeling credit capital into priority development sectors and those considered key drivers of economic growth. These include lending programs for small and medium-sized enterprises, exports, agriculture and rural development, supporting industries, and high-tech enterprises. In addition, there are credit packages for the forestry and fisheries sectors, loans for infrastructure development and scientific-technological applications, housing loans for social housing projects and for young people under 35 years old, as well as green credit and start-up innovation loan programs.
Nguyen Duy Hung, Vice Chairman of the Dong Nai Import-Export Association, stressed that enterprises in the export-import sector, especially local small and medium-sized enterprises, are eager for support programs, particularly in credit access and green finance, to strengthen digital transformation, green transition, and innovation. In today's context, digital and green transformation are no longer optional. They have become a survival requirement in the development strategies of enterprises. However, many businesses, especially SMEs, still lack sufficient financial resources for this transformation.
By: Hai Quan
Translated by: Quynh Giao - Minho
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