As of June 26, 2025, the total means of payment increased by 7.09% compared to the end of the year, capital mobilization of credit institutions increased by 6.11%; credit growth of the economy reached 8.3%.
According to the General Statistics Office, in the first six months of 2025, the State Bank of Viet Nam continued to maintain the operating interest rates while promoting solutions to boost credit growth, directing capital flows into production and business sectors and priority sectors.
As of May 2025, the average deposit interest rate in Vietnamese Dong of domestic commercial banks was at 0.1%–0.2%/year for demand deposits and deposits with terms of less than one month; 3.2%–4%/year for deposits with terms from one month to less than six months; 4.5%–5.5%/year for deposits with terms from six months to 12 months; 4.8%–6%/year for deposits with terms from over 12 months to 24 months; and 6.9%–7.1%/year for deposits with terms over 24 months. The average lending interest rate of domestic commercial banks for new and old loans with outstanding balances was 6.6%–8.9%/year. The average short-term lending interest rate in VND for priority sectors was about 3.9%/year, lower than the maximum short-term lending interest rate prescribed by the State Bank (4%/year).
The foreign exchange market has been maintained stable, with smooth foreign exchange liquidity thanks to management measures and balancing domestic foreign exchange supply and demand. By June 30, 2025, the central exchange rate was 25,052 VND/USD, up 2.95% compared to the end of 2024. The listed buying-selling exchange rate of the Joint Stock Commercial Bank for Foreign Trade was 25,880–26,270 VND/USD, up 2.61%–2.81% compared to the end of 2024.
Regarding social policy credit, by June 30, 2025, the total disbursed capital of social policy credit programs reached 82,249 billion VND, with more than 1,314 thousand poor households, near-poor households and other policy beneficiaries borrowing capital since the beginning of the year. The total outstanding policy credit reached 394,039 billion VND, up 7.2% compared to 2024, with more than 6.8 million poor households, near-poor households and other policy beneficiaries still having outstanding loans.
The insurance market is growing steadily, with total premium revenue in the second quarter of 2025 estimated at 58.9 trillion VND, up 5.4% over the same period in 2024. In the first six months of 2025, total premium revenue is estimated at 114.8 trillion VND, up 5%.
According to the General Statistics Office, regarding the stock market, trading activities in the first six months of 2025 had fluctuations, especially in the first half of April 2025 when the United States announced a maximum reciprocal tax of 46% on Viet Nam. The VN-Index only improved by the end of the second quarter of 2025 thanks to the gradual economic recovery.
In the stock market, as of June 30, 2025, the VN-Index reached 1,376.07 points, up 8.6% compared to the end of 2024; the stock market capitalization reached 7,689.7 trillion VND, up 7.2%.
The average trading value in June 2025 reached 23,327 billion VND/session, down 3.0% compared to the average of the previous month. Since the beginning of the year, the average trading value has reached 21,297 billion VND/session, up 1.4% compared to the average in 2024.
By the end of June 2025, the stock market had 718 listed stocks and fund certificates; 888 shares registered for trading on UPCoM, with a total listed and registered trading value of 2,446 trillion VND, up 6.52% compared to the end of 2024.
In the bond market, the average trading value in June 2025 reached 16,740 billion VND/session, up 20.3% compared to the average of the previous month. Year-to-date, the average trading value reached 14,050 billion VND/session, up 19% compared to the average in 2024.
By the end of June 2025, the bond market had 471 listed bond codes with a listing value of 2,503 trillion VND, up 8.4% compared to the average in 2024.
In the derivatives market, the average trading volume in June 2025 reached 172,179 contracts/session, down 7.9% compared to the average of the previous month; covered warrants reached 46.1 million warrants/session, down 1%. Year-to-date, the average trading volume reached 191,321 contracts/session, down 9.3% compared to the average in 2024; covered warrant products reached 48.4 million warrants/session, down 2.4%, and average transaction value reached 42.4 billion VND/session, up 1%.
