At the press conference, Ms. Ha Thu Giang - Director of the Credit Department for Economic Sectors under the State Bank of Vietnam informed about the progress of implementing a number of key credit programs under the direction of the Government.
According to Ms. Ha Thu Giang, in the past time, credit programs have been actively implemented by credit institutions and initially achieved many positive results, contributing to supporting economic growth and social security.
Disbursement of social housing credit has positive changes
Notably, the credit program for the agricultural, forestry and fishery sector has been expanded in subjects and continuously increased in scale. From the initial level of 15,000 billion VND, the program has been adjusted to increase to 185,000 billion VND, equivalent to 12 times. To date, the accumulated disbursement turnover has reached over 185,000 billion VND, completing the set target.
Regarding the social housing lending program under Resolution 33/NQ-CP and the program for young people under 35 years old to buy social housing, the State Bank determines that these are important policies in implementing the Government's policy of developing social housing.
Over the past time, the State Bank has coordinated with ministries, branches, localities and directed commercial banks to synchronously implement many solutions to remove difficulties and accelerate progress. Thanks to that, disbursement results have had positive changes.
Specifically, by the end of February 2026, banks had committed to lend nearly 22,000 billion VND, with disbursement turnover reaching about 9,600 billion VND, an increase of about 20,000 billion VND compared to the end of 2025. Of which, about 8,000 billion VND was disbursed to investors in 53 projects and about 1,500 billion VND to homebuyers in 36 projects. The program for lending to young people under 35 years old alone reached about 259 billion VND.
Ms. Ha Thu Giang said that although the initial implementation phase still faces difficulties, the disbursement progress is being improved over time, the following month is higher than the previous month, associated with the increase in the supply of social housing.
Promoting credit for infrastructure, agriculture and technology
In addition, the large-scale credit program for investment in electricity infrastructure, transportation and strategic technology also recorded initial results. After more than 2 months of implementation, by February 28, 2026, commercial banks had signed credit contracts to finance 8 projects with a total committed capital of about 71,000 billion VND, of which more than 7,000 billion VND has been disbursed. In addition, 23 other projects are being considered for lending.
For the program to lend to link production, processing and consumption of high-quality, low-emission rice in the Mekong Delta region, implementation is also being promoted. After 9 months of implementation, by the end of February 2026, the accumulated disbursement turnover reached about 3,600 billion VND, of which about 57% was implemented by Vietnam Bank for Agriculture and Rural Development Agribank.
This is the first program in the agricultural sector aimed at green development and emission reduction, while affirming the key role of the banking system in financing the agricultural and rural sectors.
In addition, credit for green sectors continues to record positive growth. As of the end of 2025, green credit balance reached nearly 780,000 billion VND, an increase of 14.62% compared to the previous year and accounting for about 4.19% of the total outstanding debt of the entire economy.
Continue to remove difficulties and improve implementation efficiency
According to the State Bank, in the process of implementing credit programs, some difficulties and obstacles still arise, especially related to procedures, conditions for accessing capital and project implementation progress.
In the coming time, the banking industry will continue to closely coordinate with ministries, branches and localities to promptly remove obstacles, and at the same time accelerate disbursement progress, ensuring that credit programs are implemented effectively and on target.
Promoting credit programs under the direction of the Government not only helps businesses and people access capital more conveniently but also plays an important role in supporting economic growth and ensuring social security in the current context.
