Customer deposits at 30 Vietnamese banks reached VND16.02 quadrillion ($608.7 billion) by end-June, while outstanding loans climbed to VND17.04 quadrillion ($647.5 billion), leaving a gap of more than $38 billion.

Vietnam wants lower lending rates while preparing to mobilize nearly $1.5 trillion in investment over five years, putting the structure of its financial system under growing pressure.

Vietnam’s SIMO banking alert system has warned customers 4.9 million times, prompting 1.6 million suspected scam transactions to be halted by the end of July 2026.

Vietnamese banks are cutting borrowing costs and expanding preferential lending for SMEs and priority sectors as the Government seeks to channel more affordable credit into production and support faster economic growth.

Separate second-quarter 2026 financial statements from Vietnamese commercial banks reveal a notable shift in demand deposits, or current account savings account (CASA), across the banking sector.

Vietnamese banks are increasing their exposure to real estate, with 12 lenders reporting a combined $42.9 billion in outstanding property loans.

Customer deposits at 28 Vietnamese banks rose during the first half of 2026, with the Big Four state-owned lenders maintaining a commanding market share.

Vietnam's banking sector is paying employees more than ever, with MB emerging as the country's highest-paying lender and several long-time leaders slipping down the rankings.

The State Bank of Vietnam (SBV) has proposed allowing commercial banks to close customers' payment accounts that have remained inactive for three years or longer, according to a draft decree released for public consultation.

The Bank for Investment and Development of Vietnam (BIDV) has become the first Vietnamese bank to join the Partnership for Carbon Accounting Financials (PCAF).

Sacombank expects its pre-tax profit for the second quarter of 2026 to reach only VND1,900 billion to VND2,000 billion, a drop of nearly 50 percent compared to the same period last year.

Vietnam’s central bank is steadily expanding monetary policy flexibility to support credit growth. But as investment demand surges, one question looms: how long can banks remain the economy’s primary source of long-term capital?

Sacombank expects its second-quarter 2026 pre-tax profit to fall by nearly 50% as legacy bad debts, higher funding costs and fierce competition for deposits continue to weigh on earnings.

Six of Vietnam's largest private groups are splashing nearly 4.9 quadrillion VND ($200 billion) across 40 major projects, underscoring the growing role of the private sector in driving the country's infrastructure, industrial and urban development.

The State Bank of Vietnam (SBV) has said it will not include outstanding loans for 18 mega projects in the “credit room” created for conventional loans to ensure that businesses feel secure investing in national key projects.

As credit growth continues to outpace deposit growth, liquidity pressures are mounting across Vietnam's banking system. Many banks, particularly the “Big 4” state-owned lenders, have stepped up bond issuance to raise additional funding.

The United Overseas Bank (UOB) Vietnam on July 1 broke ground on UOB Plaza Ho Chi Minh City, its new headquarters commanding a total cost of some 450 million USD.

The maximum ratio of short-term capital used for medium- and long-term lending by credit institutions will be raised from the current 30% to 40% from July 1, according to a newly issued circular from the State Bank of Vietnam (SBV).

Vietnam Prosperity Joint Stock Commercial Bank (LPBank) has disclosed that billionaire Pham Nhat Vuong, chairman of Vingroup, has become one of the bank's major shareholders.