26 domestic commercial banks have announced customer loan data in 2024 (excluding Eximbank, VietBank and 5 weak banks) with a total capital supply to the market of more than 13,026 trillion VND.

Of which, the Big4 group alone (Agribank, BIDV, Vietcombank, VietinBank) accounts for 47% of the total outstanding loans of these 26 banks, and at the same time shares the first 4 positions in terms of customer loans in 2024.

Leading the system is BIDV with VND 2,013 trillion in outstanding credit in 2024, an increase of 15.71% over the same period, according to the separate financial report for the fourth quarter of 2024.

Agribank is the only bank among these that has not yet announced its fourth quarter financial report, but according to preliminary results revealed by this bank, outstanding credit in 2024 will reach over 1.72 million billion VND. Thereby, bringing Agribank to the second position in lending in 2024, up 10.81% compared to 2023.

VietinBank and Vietcombank shared the third and fourth positions, with customer loans of these two banks reaching VND1,708 trillion and VND1,435 trillion, respectively, up 17% and 14% compared to 2023.

Big4 is also the only group to achieve customer loans of over 1 million billion VND, while MB ranks 5th in the system with 734,594 billion VND in loans, and at the same time becomes one of the leading banks in credit growth, reaching 27%.

VPBank and Techcombank ranked 6th and 7th respectively in terms of customer lending, with both achieving very high credit growth of 24% and 20.67%.

VPBank's customer loans are 615,879 billion VND, while Techcombank's are 605,813 billion VND.

The remaining 3 banks in the Top 10, including ACB, Sacombank, and SHB, all reached a loan volume of over half a million billion. ACB's loan turnover was VND569,734 billion, up 18.37%; Sacombank VND526,765 billion, up 11.63%, and SHB VND506,112 billion, up 19%.

In terms of credit growth rate last year, NCB was the bank with the highest growth rate in the system, up to 28.6%.

The remaining banks in the Top 10 also achieved credit growth of over 20%, including: MB (27.12%), HDBank (26.2%), VPBank (24.06%), TPBank (21.95%), VIB (21.65%), Techcombank (20.67%) and LPBank (20.39%).

On the other hand, ABBank, Saigonbank and Bac A Bank are the three banks with the lowest credit growth rates last year. Notably, ABBank only achieved a growth rate of 0.64% while the other two banks achieved over 9%.

In terms of absolute numbers, Saigonbank is the bank with the lowest lending market share among these banks. This bank's customer loans only reached VND19,967 billion, accounting for 0.16% of the total outstanding customer loans of 26 banks.

CUSTOMER LOANS IN 2024
STT BANK CUSTOMER LOANS (million VND) CHANGE FROM 2023 (%)
1 BIDV 2.013.808.136 15.71%
2 AGRIBANK 1,720,000,000 10.81
3 VIETINBANK 1,708,708,589 16.97
4 VIETCOMBANK 1,435,428,939 14.10
5 MB 734,594,094 27.12
6 VPBANK 615,879,792 24.07
7 TECHCOMBANK 605.813.718 20.67
8 ACB 569,734,624 18.38
9 SACOMBANK 526,765,206 11.64
10 SHB 506.112.656 19.17
11 HDBANK 413,093,949 26.21
12 LPBANK 331,606,315 20.40
13 VIB 324,009,713 21.65
14 TPBANK 250,331,368 21.96
15 SEABANK 205,029,369 16.44
16 MSB 174,718,888 18.87
17 OCB 170,844,469 16.06
18 NAM A BANK 167,737,997 18.59
19 BAC A BANK 109,552,804 9.71
20 ABBANK 98,738,175 0.64
21 VIET A BANK 79,915,536 15.72
22 NCB 71,174,720 28.60
23 BVBANK 68,063,408 17.82
24 KIENLONG BANK 61,431,909 18.63
25 PGBANK 41,436,482 17.27
26 SAIGONBANK 21,834,544 9.35

In 2024, the State Bank has synchronously deployed solutions to facilitate businesses and people to access bank credit capital, restore production and business, contribute to promoting growth associated with macroeconomic stability, controlling inflation, and ensuring the safe operation of the credit institution system.

As of December 31, 2024, economic credit increased by about 15.08% compared to the end of 2023, focusing on production, business, and priority sectors; promoting the implementation of credit programs such as: VND 145,000 billion program for loans for social housing, workers' housing, projects to renovate and rebuild old apartments; Credit program for forestry and fishery sectors...

In particular, the banking industry has promptly and promptly implemented solutions to support customers affected by storm No. 3.

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