The profit “picture” of the banking sector in the first half of 2026 continues to reveal many bright spots. Positive business results at many banks show that growth momentum has come not only from credit, but also from services, digital transformation, stronger capital foundations and asset quality control.

The banking sector’s digital transformation journey is entering a new stage of development, marked by significant progress in institutional frameworks, technological infrastructure, data management, digital payments, and administrative reform. From completing the legal framework and promoting cashless payments to building a secure data ecosystem, the banking industry is gradually restructuring its operating model with the goal of placing customers at the centre and improving service quality.

The Fourth Industrial Revolution and the rapid rise of artificial intelligence (AI) are bringing profound changes to the global financial system. Engaging in digital transformation and building digital trust are no longer optional trends but essential requirements for countries seeking to drive digital economic growth and strengthen their competitiveness.

Prime Minister Le Minh Hung also called for measures to stabilise interest rates, reduce operational costs within credit institutions, promote digital transformation, and ensure adequate system liquidity.

The journey to “green” the banking sector is entering an important transitional phase, as requirements for sustainable development, emission reduction, and ESG practices increasingly become standards in financial and banking operations.

Viet Nam’s banking sector has been taking proactive and flexible measures across monetary policy, interest rate and exchange rate management, credit regulation, and system restructuring to ensure balanced, safe, and efficient capital flows. These efforts aim to promptly meet financing needs for economic growth amid a global environment fraught with uncertainty and challenges.

Commercial banks in Ho Chi Minh City are stepping up lending for production and business at reasonable rates to support the city’s double-digit growth target for 2025.