Staff of the Transaction Office of the Vietnam Bank for Social Policies in Na Ri advising customers on the benefits of borrowing capital to support production

As of February 28, 2026, the total mobilized capital of credit institutions in Region 5 is estimated at VND 242,500 billion, down 0.2% compared to the end of 2025. In Thai Nguyen province alone, mobilized capital is estimated at VND 148,500 billion, accounting for 61.2% of the total capital of the Region, down 1.87% compared to the end of 2025.

While mobilized capital showed signs of a slight decrease, credit in the area still maintained its growth momentum. The total outstanding credit balance in the whole Region 5 is estimated at VND 237,270 billion, up 0.9% compared to the end of 2025; in Thai Nguyen alone, it is estimated at VND 165,400 billion, up 0.78%.

Customers transacting at a Transaction Office of the Joint Stock Commercial Bank for Foreign Trade of Vietnam

Credit capital flows continue to be oriented to focus on production and business sectors, priority fields and economic growth drivers according to the directions of the Government and the Prime Minister, thereby contributing to supporting local socio-economic development.

Classified by economic sector structure, credit in the province mainly focuses on the trade - service sector, with an outstanding balance of about VND 109,383 billion, accounting for 66.1% of the total outstanding balance. Outstanding loans for industry and construction reached about VND 42,647 billion (accounting for 25.8%), while agriculture, forestry and fishery reached about VND 13,370 billion (accounting for 8.1%). This structure clearly reflects the economic characteristics of Thai Nguyen - a locality with strengths in industry, trade and services. In particular, the strong development of industrial parks, the electronics production chain and commercial activities have created a large demand for working capital and investment capital, leading to the dominant proportion of credit in the trade - service sector.

A notable point is that the bad debt ratio in the area continues to be controlled at a low level, estimated at about VND 1,854 billion, accounting for 1.1% of the total outstanding balance. SBV Region 5 has directed credit institutions to strengthen risk control and restructure the credit institution system associated with pushing the handling of bad debts.

Credit capital sources continue to affirm the role of a "support base" for the economy, promoting the production and business activities of enterprises to take place stably and sustainably (Photo: Cooperatives promoting products via digital platforms)

According to economic experts, the slight decrease in mobilized capital in the early months of the year is a common development due to the increased spending, investment and payment needs of people and enterprises after the Tet holiday. Meanwhile, credit still grows, showing that bank capital flows continue to be cleared into production and business activities, contributing to supporting local socio-economic development in 2026.

With the role of a regional center, the capital demand for development investment in Thai Nguyen is forecasted to continue to increase in the coming time. Flexible management of credit policies, good control of bad debts and ensuring capital for priority fields will be important factors helping the banking system in the area effectively accompany the socio-economic development goals of the province.