Ho Chi Minh City: Capital mobilization in 2025 is estimated to reach 5.17 million billion VND.

In 2025, the total mobilized capital of credit institutions in Ho Chi Minh City is estimated to reach VND 5,171,500 billion, an increase of 11.94% compared to the end of 2024. At the same time, the total outstanding credit is estimated to reach VND 5,085,100 billion, an increase of 13.5% compared to the end of 2024. These figures were released by the State Bank of Vietnam (SBV) Regional Branch 2.

Credit growth and capital mobilization

According to the State Bank of Vietnam's Region 2 forecast, by the end of 2025, capital mobilization in Ho Chi Minh City will maintain strong growth momentum, reaching an increase of 11.94% compared to the end of 2024. Regarding credit, total outstanding loans at the end of December 2025 recorded an increase of 0.95% compared to November and a 13.5% increase compared to the end of the previous year.

The State Bank of Vietnam's Region 2 branch stated: "In particular, all credit segments by term maintained growth. The banking sector in Ho Chi Minh City ensured sufficient credit supply for production, business, and inventory needs during peak periods, meeting the demand for the end of the year and the Lunar New Year in 2026."

Interest rate trends

As of November 30, 2025, deposit and lending interest rates in VND have undergone several notable adjustments compared to the previous month and the end of 2024.

VND deposit interest rates

Interest rates on VND deposits at commercial banks have generally increased compared to the previous month. Specifically:

• Joint-stock commercial banks:Interest rates are expected to increase by approximately 0.1%-0.3% per year across all maturities. Compared to the end of 2024, interest rates will increase by about 0.2%-0.6% per year.
• State-owned commercial banks:Interest rates decreased by approximately 0.5% per year for the 6-month term but increased by 0.1%-0.8% per year for other terms. Compared to the end of 2024, interest rates decreased for some long-term terms but increased by 0.2%-0.9% per year for others.
• Joint venture and foreign banking sector:Interest rates increased by 0.5%-0.7% per year across most maturities, except for the 12-month term which saw a slight decrease of 0.1% per year.

Loan interest rate

For VND-denominated loans, the common rates are 5.2%-7.5% per year for short-term loans and 5.4%-9.0% per year for medium and long-term loans. Compared to the end of 2024, short-term lending rates have increased by approximately 0.5%-0.8% per year. USD-denominated lending rates remain stable, commonly at 4.2%-5.2% per year for short-term loans and around 4.7% per year for medium and long-term loans.

Capital flows into priority sectors.

Credit programs in the area continue to be implemented effectively. By the end of 2025, outstanding loans in priority sectors will reach a large scale, including:

• Agricultural and rural development: 520,000 billion VND
• Exports: 169,000 billion VND
• Small and medium-sized enterprises: 1,588,000 billion VND
• Supporting industries: 81,000 billion VND
• High-tech businesses: 5,291 billion VND

Notably, the 2025 bank-business connection program has disbursed VND 871,545 billion, exceeding the initial registered amount of VND 517,065 billion from 18 banks by 168.56%. Other support credit packages, such as those for the agriculture, forestry, and fisheries sectors and the social housing loan program, are also being actively implemented.

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