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At a conference titled “Enterprises Contributing to Double-Digit Growth and the Prime Minister's Appreciation to Enterprises,” held at the Government Office on 27/3, BIDV CEO Le Ngoc Lam said that at the start of 2026 the Government and the State Bank of Vietnam (SBV) issued a series of important resolutions, directives and urgent dispatches. The measures set a target for economic growth above 10% and call for flexible monetary policy operations, close coordination with fiscal policy, support for digital transformation, development of the capital market, and ensuring the safety of the banking system.
Le Ngoc Lam said this creates a basis for credit institutions, including BIDV, to proactively implement solutions to support the economy as Vietnam enters a new development stage requiring fast, sustainable and breakthrough growth. He added that state-owned commercial banks continue to affirm their role as pillars and core players in implementing macroeconomic policy, ensuring major balances and leading the market.
With advantages in scale, financial capacity and nationwide networks, state-owned commercial banks continue to play a dominant role in supplying capital to the economy.
By the end of 2025, the “Big Four” group of the four largest banks reached about 11 quadrillion VND in total assets, accounting for 46.5% of the sector’s total assets. BIDV recorded the largest total assets at 3.27 quadrillion VND, equivalent to 13.9% of total sector assets.
On credit outstanding, the Big Four’s total credit reached about 8 quadrillion VND, representing 42.3% of total credit extended to the economy. BIDV’s credit market share was 12.5%.
For 2026, with an average credit growth rate of about 11–12% assigned by the SBV, state-owned banks are expected to increase disbursement by about 1 quadrillion VND to meet the economy’s capital needs.
Le Ngoc Lam said banks’ credit resources will focus on priority sectors including agriculture, exports, manufacturing, energy and digital transformation, which are described as important growth drivers.
BIDV said it leads in providing credit financing for large-scale projects such as airports, seaports, bridges, telecommunications, expressways and power infrastructure to support national infrastructure development.
Alongside lending, state-owned banks are described as core forces in implementing monetary policy. They are said to actively adjust liquidity, stabilize the foreign exchange market and help maintain a reasonable interest-rate level to support enterprises and people in recovering and expanding production and business.
The banks also implement preferential credit programs under Government and SBV directives, strengthen bank–enterprise connections, improve enterprises’ access to capital and reduce capital costs—factors presented as key to achieving high economic growth.
The article also states that state-owned banks and the banking sector are actively implementing digital transformation, applying modern technology in service delivery and governance, and gradually approaching international standards in risk management. This is described as a foundation to improve growth quality, broaden access to financial services and support comprehensive development.
To further enhance the banking system’s leading role in supporting growth drivers, BIDV, on behalf of state-owned banks, proposed several recommendations:
According to BIDV’s CEO, achieving double-digit growth is a major but feasible challenge, supported by the Government’s determination and the cooperation of the business community and the financial-banking system. BIDV said it will continue to lead as a state-owned commercial bank, help implement Government policies, accompany enterprises and people, and contribute to realizing the country’s goals for fast and sustainable growth.
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