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Credit growth picked up in the early months of 2026, according to Q1 2026 financial reports from 27 banks listed on the exchange. Total customer loan outstanding across the group stood at over 14.67 million billion dong as of March 31, 2026, up more than 513,000 billion dong from end-2025—an increase of about 4%.
Several banks reported relatively strong credit growth in the first quarter, a period typically affected by seasonality that can slow credit demand in other quarters.
VPBank recorded the strongest absolute growth. By the end of Q1 2026, its customer loan outstanding reached 1,040,917 billion dong, up 97,016 billion dong from the end of the previous year, representing a 10% increase. This was also the first time VPBank’s lending surpassed 1,000 trillion dong, with nearly 100,000 billion dong added in just three months—well ahead of most banks in absolute terms.
Vietcombank ranked second in absolute growth. Its customer loan balance rose by 81,401 billion dong in Q1 to 1,754,926 billion dong, a 5% increase.
In the state-owned banks group, Vietcombank was also the fastest-growing bank. BIDV—reported as the bank with the largest loan size in the system—recorded loans of 2,429,610 billion dong, up 56,655 billion dong from end-2025, a 2% increase. VietinBank continued expanding lending, with customer loans increasing by 36,222 billion dong to over 2,030,000 billion dong, up 2%.
HDBank also stood out for credit growth, with customer loans rising from 546,371 billion dong to 601,140 billion dong after the first three months—an increase of 54,770 billion dong, equivalent to a 10% rise.
Among large private banks, MB maintained steady growth. Its customer loan balance stood at 1,120,563 billion dong at end-Q1, up 36,543 billion dong from end-2024, a 3% increase.
Techcombank recorded loans of 796,864 billion dong, up 29,247 billion dong, a 4% rise. ACB increased by 22,249 billion dong to over 709,000 billion dong, up 3%.
In terms of growth rate, NCB led the system in Q1 2026. Its customer loans rose from 97,545 billion dong to 116,876 billion dong, an increase of 19,332 billion dong and a 20% growth in one quarter. While this growth rate was far higher than the industry average and ahead of other banks, NCB’s loan balance remains small in absolute terms within the system.
Apart from NCB, only VPBank and HDBank recorded double-digit credit growth in the first quarter, each at 10%.
Other banks posted relatively positive credit growth, including MSB and Vietcombank (both up 5%); Techcombank and VietBank (up 4%); and MB, ACB, LPBank, TPBank, OCB, Eximbank, BacABank and ABBank (up about 3%).
By contrast, slower-growing banks included VIB and SeABank with about 1% growth; and BIDV, VietinBank, SHB, NamABank, VietABank, BVBank and Kienlongbank with increases of about 2%.
Sacombank remained almost flat in Q1, with lending up just 568 billion dong—an increase of less than 0.1%—to 626,960 billion dong.
PGBank was the only bank to record a decline in customer loans in Q1 2026. Loans fell from 46,341 billion dong to 44,383 billion dong, a decrease of about 1,958 billion dong, roughly 4%.
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