The State Bank assigned all 2024 credit growth targets to banks

Accordingly, the State Bank assigned the entire credit growth target of 15% and required credit institutions to control credit growth as follows.

First, the maximum credit balance until December 31, 2024 is equal to the credit balance as of December 31, 2023 plus the 2022 rating score multiplied by 3.5%, multiplied by the credit balance as of December 31, 2023 minus outstanding credit debt exceeding the credit growth target announced by the State Bank for 2023 (if any); Except for sales of outstanding credit debt that were sold in 2024 and have not been collected until the time of calculating credit balance (if any).

Second, credit institutions (except 100% foreign-owned banks and joint-venture banks) control credit growth (including exchange rate adjustments) not to exceed the credit balance stated in Section 1 throughout 2024.

Third, 100% foreign-owned banks and joint-venture banks control credit growth (including exchange rate adjustments) by the end of 2024 not to exceed the credit balance stated in Section 1.

The outstanding credit balance to control the credit growth target of each credit institution is the outstanding credit balance specified in Clause 5, Part 2, Appendix 2 issued with Circular No. 11/2018/TT-NHNN dated April 17, 2018 amending and supplementing a number of articles of Circular No. 35/2015/TT-NHNN dated December 31, 2015 of the Governor of the State Bank.

The State Bank requires credit institutions to implement safe credit growth, consistent with the credit institution’s risk management capacity, liquidity situation and ability to mobilize capital, ensuring credit quality. Use and use capital for the right purpose and effectively, limit the increase and arising of bad debts, and ensure the safety of credit institutions’ operations. Credit growth is correct, on target, credit goes to production, business, priority areas and growth drivers according to the Government’s policies; Strictly control credit for potentially risky areas.

It is strictly prohibited to grant credit that does not comply with legal regulations, to the wrong subjects, and to grant credit to the board of directors, executive board and related persons of credit institutions, ecosystem enterprises, and businesses. backyard businesses with preferential interest rates while people and businesses with legitimate and legal needs have difficulty accessing credit capital.

Banks continue to maintain stable deposit interest rates and strive to reduce lending interest rates. Regularly review to cut and reduce administrative procedures, simplify credit granting processes and procedures, ensure compliance with legal regulations, create favorable conditions and support businesses and people to access credit. banking use.

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