The business results for the first nine months of 2026 across many commercial banks are painting a positive profit picture, with a series of lenders recording double-digit growth and some even setting new records.

Amid continued volatility in the global economy, the State Bank of Viet Nam (SBV) has pursued a proactive and flexible monetary policy, contributing to macroeconomic stability, inflation control, exchange-rate stability and the maintenance of reasonable interest rates.

Rapidly rising demand for capital, coupled with increasingly stringent requirements for capital adequacy and risk management, is catalysing a massive capital-raising wave across the banking system. Behind the race for scale lies not only the goal of expanding credit, but also the need to strengthen financial buffers, improve asset quality and lay the foundation for safe and sustainable growth.

The State Bank of Viet Nam (SBV) continues to urge the commercial banking system to maintain stable deposit rates and strive to reduce lending rates, considering this a key task to support economic growth and the recovery of production and business activities.