Vietnam’s credit institutions anticipate improved business performance in 2025, with 74.6% expecting growth in the first quarter and 84.2% for the year, according to a State Bank of Vietnam survey. Pre-tax profit growth is forecast by 85.1% of institutions, while only 9.6% predict declines. Loan demand is projected to outpace deposits and payments, with slight increases in service fees expected. Liquidity is forecast to improve, with capital mobilisation rising 3.5% in Q1 and 12.8% in 2025. Credit risks are expected to stabilise in Q1 and decline throughout the year, accompanied by a drop in bad debt ratios. Outstanding loans are predicted to grow 3.4% in Q1 and 14.2% in 2025, with short-term credit growth surpassing medium- and long-term growth.