The credit structure remains closely aligned with the country’s economic structure, effectively meeting the borrowing needs of both individuals and businesses.

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.

VnEconomy-Tùng Thư