Vietnam
Vietnam's credit grew 10.24% year to date by mid-September 2026 against a guideline of about 15%, with bank credit at 145% of GDP and an NPL ratio of 2.01% at listed banks in Q2 2026.
- Last updated
- 28 Sep 2026
- Latest data as of
- 23 Sep 2026
- Articles
- 10 articles →
Per ADB.
Excludes unlisted banks and finance companies.
Unverified; exact basis date not stated, report dated 17 September 2026.
As reported by ADB.
Key indicators and definitions
Compilers differ; compare like with like.| Indicator | Value | Definition and scope | Basis date | Source | Definition and source |
|---|---|---|---|---|---|
| Bank credit to GDP | 145%Per ADB. | Bank credit outstanding / GDPBanking system | 31 Dec 2025 | ADB: Developing Southeast Asia, Asian Development Outlook September 2026 (2026-09-23) | Definition and sourceBank credit outstanding / GDP Scope: Banking system Source: ADB: Developing Southeast Asia, Asian Development Outlook September 2026 (2026-09-23) |
| NPL ratio, listed banks | 2.01%Excludes unlisted banks and finance companies. | Groups 3–5 (non-performing) loans / total loans, 27 listed banks27 listed commercial banks (Vietstock compilation) | 30 Jun 2026 | vietnam.vn (republished from Báo Công Thương): Bad debts 'don't tell the whole story' about bank assets (2026-09-21) | Definition and sourceGroups 3–5 (non-performing) loans / total loans, 27 listed banks Scope: 27 listed commercial banks (Vietstock compilation) |
| System credit growth, year to date | 10.24%Unverified; exact basis date not stated, report dated 17 September 2026. | Growth of credit outstanding since end-2025, from SBV market report as reportedBanking system | 17 Sep 2026 | Báo Nghệ An: Lãi suất ngân hàng ngày 17/9/2026 (2026-09-17) | Definition and sourceGrowth of credit outstanding since end-2025, from SBV market report as reported Scope: Banking system Source: Báo Nghệ An: Lãi suất ngân hàng ngày 17/9/2026 (2026-09-17) |
| SBV refinancing rate | 4.5%As reported by ADB. | State Bank of Vietnam refinancing rateMonetary policy | 23 Sep 2026 | ADB: Developing Southeast Asia, Asian Development Outlook September 2026 (2026-09-23) | Definition and sourceState Bank of Vietnam refinancing rate Scope: Monetary policy Source: ADB: Developing Southeast Asia, Asian Development Outlook September 2026 (2026-09-23) |
10 articles on Vietnam
Macro, credit, regulation, competition, digital infrastructure and T&S View.
Browse all articles- T&S View · 28 Sep 2026T&S View: Vietnam's data-driven lending push and consent rules call for joint design
- Competition & capital · 28 Sep 2026Vietnam's listed banks plan sizeable charter capital increases in 2026
- Digital infrastructure · 28 Sep 2026Vietnam's tax authority and credit bureau CIC sign data-sharing deal; scope undecided