Vice Chairman of the Provincial People's Committee Tran Van Quan emphasized that Hai Duong's banking sector needs to further promote capital flows and narrow the gap between mobilization and credit.
On the morning of January 9, the State Bank of Vietnam, Hai Duong branch, held a conference to review banking activities in the province in 2024 and deploy tasks for 2025.
Speaking at the conference, Vice Chairman of the Provincial People's Committee Tran Van Quan commended and acknowledged the efforts and determination of the Hai Duong banking sector in performing its tasks.
Besides the achieved results, the operations of Hai Duong banking sector still have some shortcomings and difficulties that need to be overcome such as the high bad debt ratio of some banks, and the work of recovering and handling bad debt still faces difficulties.
In 2025, Vice Chairman of the Provincial People's Committee Tran Van Quan requested the Hai Duong banking sector to continue to do a good job in mobilizing idle capital; effectively expand credit, focus credit capital on developing priority industries and sectors. In particular, promote and strongly unblock capital flows, gradually reduce the current high gap between mobilized capital and outstanding credit.
Strictly comply with mechanisms and policies on credit, interest rates, and exchange rates. Effectively implement solutions to restructure the system of credit institutions associated with handling bad debts, consolidate and develop the system of people's credit funds, further promote non-cash payments and digital transformation tasks in the banking sector.
Continue to coordinate with relevant departments and sectors to remove difficulties for businesses and households. Maintain and promote credit programs and policies such as connecting banks and businesses, unblocking capital flows...
On this occasion, Vietcombank Hai Duong branch was honored to receive the title of the best performing unit in 2024 in the entire banking system in the province, VietinBank Hai Duong branch ranked second, Agribank Hai Duong branch ranked third.
BIDV Hai Duong branch and VietinBank Dong Hai Duong branch were honored to receive certificates of merit from the Director of the State Bank of Vietnam provincial branch.
As of December 31, 2024, the total mobilized capital of the entire banking sector in the province is VND 213,165 billion, an increase of 9% compared to the end of 2023. Total outstanding credit is VND 152,383 billion, an increase of 13.8% compared to the end of 2023. The difference between mobilized capital and outstanding credit is nearly VND 60,800 billion. On-balance sheet bad debt accounts for 0.59% of total outstanding debt.
With the credit program serving new rural construction, the whole province has 126,110 loan customers, outstanding loans of VND 46,030 billion, up 2.7% compared to the end of 2023. Credit for poor households and policy beneficiaries is VND 5,352 billion, up 12.2% compared to the end of 2023.
Regarding the implementation of measures to remove difficulties for customers affected by storm No. 3, according to the latest data, as of November 30, 2024, the whole province had 6,019 customers with loans affected, with outstanding loans of VND 4,674 billion. Credit institutions in the province have restructured the repayment period, maintained the debt group for 473 customers, outstanding loans of VND 49.8 billion; exempted and reduced interest rates for 1,459 customers, outstanding loans of VND 6,920 billion; provided new loans to 679 customers, with loan turnover of VND 1,392 billion.
The banking sector in the province has promoted cashless payments, with a total of 5.6 million payment accounts. Of which, 850,000 accounts were opened through the eKYC electronic identification method. The whole province has nearly 2,000 POS machines (point of sale machines accepting bank cards for payment), an increase of 171 machines compared to the end of 2023.
In 2025, the banking sector in the province strives to mobilize capital to grow by about 10% compared to the end of 2024. Outstanding credit growth is about 12%, which is also the target stated in the province's detailed GRDP growth scenario. Continue to strictly control credit quality, the ratio of bad debt on the balance sheet accounts for less than 2% of total outstanding debt.