Vietnamese Credit Institutions’ Total Assets Exceed VND 30 Quadrillion by End of September
State Bank of Vietnam data show that credit institutions’ total assets reached VND 30.89 quadrillion on September 30, 2026, up 10.06% from the end of 2025. Joint-stock commercial banks drove most of the third-quarter increase, while the systemwide loan-to-deposit ratio fell.
Data released by the State Bank of Vietnam show that Vietnamese credit institutions’ total assets reached VND 30.89 quadrillion on September 30, 2026, up 10.06% from the end of 2025. Assets increased by approximately VND 2,820 trillion over the nine months.
Joint-stock commercial banks were the main source of asset growth in the third quarter. Their assets rose by approximately VND 823 trillion during the quarter to VND 14.68 quadrillion at the end of September, accounting for nearly 79% of the systemwide increase over the same period. Compared with the end of 2025, their assets grew 13.39% and represented approximately 47.5% of total system assets. Meanwhile, state-owned commercial banks’ assets reached VND 11.99 quadrillion, up 1.36% from the end of the second quarter; assets at joint-venture and foreign banks fell 1.67% to VND 2,430 trillion.
At the end of September, systemwide charter capital stood at VND 1,372.904 trillion, up 7.47% from the end of 2025, an increase of more than VND 95 trillion. Of that total, joint-stock commercial banks held VND 786.604 trillion in charter capital, or approximately 57% of the systemwide figure.
Among indicators of fund use, the systemwide ratio of outstanding loans to total deposits fell from 77.06% at the end of June to 76.07% at the end of September. For joint-stock commercial banks, the ratio declined from 79.44% to 77.01%. The systemwide ratio of short-term funds used for medium- and long-term lending also fell, from 29.16% to 28.25%.
Source: VietVance
