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Vietnam’s loan-deposit ratio reaches 104 percent

Deposits at Vietnamese banks hit US$554.53 billion at the end of 2023, VN Express is reporting. Also at the end of 2023, it was announced that credit growth had hit 13.7 percent making total credit to the economy at around US$555.07 billion. This puts Vietnam’s loan-deposit ratio at 104 percent. If anything above 80 percent is generally considered risky, this does not bode well for the sector.

Also of note, the credit growth limit for 2024 has been extended to 15 percent. This is expected to add an additional US$83 billion in credit to the economy.

See also: Banking in Vietnam: Industry Overview 2023

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