Vietnam’s total outstanding credit reached approximately VND18.4 quadrillion ($699 billion) as of December 24, up 17.87% compared to the end of 2024 and 19.41% year-on-year, according to the State Bank of Vietnam (SBV).
The credit structure remains closely aligned with the country’s economic structure, effectively meeting the borrowing needs of both individuals and businesses. By the end of October, the agriculture, forestry, and fishery sector accounted for 6.15% of total outstanding loans, while the processing and manufacturing industry made up 12.39%. The construction sector represented 7.47%, and wholesale and retail accounted for the largest share at 22.24%.
Several priority areas continued to hold a significant proportion of total outstanding loans, notably agriculture and rural development at 22.42%, and small and medium-sized enterprises at 19.11%.
In addition, a number of specialized credit programs were implemented in 2025 under direction from the Government. The credit package for the forestry and fishery sectors was expanded from VND15 trillion ($570 million) to VND185 trillion ($7.03 billion). Meanwhile, the loan program supporting the production, processing, and consumption of high-quality rice in the Mekong Delta recorded cumulative disbursements of approximately VND3.1 trillion ($117.8 million) by the end of November.
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