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  • Policy credit provides impetus for the transformation of the Do Luong region 08-09-2026, 8:35 am
    Policy credit provides impetus for the transformation of the Do Luong region
    The Do Luong area, formerly an old district and known as the "gateway" to western Nghe An province, is undergoing a strong and comprehensive transformation, especially in sustainable poverty reduction and rural development. These impressive achievements are partly due to the significant contributions of credit programs from the Vietnam Bank for Social Policies (VBSP).
  • POLICY CREDIT PERFORMANCE AND CAPITAL MOBILIZATION – FIRST SEVEN MONTHS OF 2026 26-08-2026, 3:58 pm
    POLICY CREDIT PERFORMANCE AND CAPITAL MOBILIZATION – FIRST SEVEN MONTHS OF 2026
    In the first seven months of 2026, VBSP’s policy lending reached VND 99,889 billion (approximately USD 3.84 billion), while total outstanding policy credit stood at VND 454,416 billion (approximately USD 17.48 billion), up 9.9% compared with 2025. Credit quality remained strong, with overdue and frozen loans totaling VND 2,250 billion (approximately USD 86.5 million), accounting for only 0.5% of total outstanding loans. Total funding resources reached VND 475,650 billion (approximately USD 18.29 billion), up 11.3%, supporting the continued effective implementation of policy credit programs.
  • Improving the effectiveness of policy credit operations in high-altitude mountainous communes 18-08-2026, 10:30 am
    Improving the effectiveness of policy credit operations in high-altitude mountainous communes
    Digital transformation is gradually changing the way policy credit is managed and accessed in mountainous communes. At the Quan Son branch of the Vietnam Bank for Social Policies (VBSP Quan Son), the application of technology in management, transactions, and information provision not only improves the bank's operational efficiency but also helps people access capital and financial services more conveniently.
  • A BANK ON THE ROAD” – SERVING THE POOR AND OTHER VULNERABLE GROUPS THROUGH SCHEDULED COMMUNE TRANSACTIONS 13-08-2026, 4:01 pm
    A BANK ON THE ROAD” – SERVING THE POOR AND OTHER VULNERABLE GROUPS THROUGH SCHEDULED COMMUNE TRANSACTIONS
    More than just vehicles used for official duties, the transaction vehicles of the Vietnam Bank for Social Policies (VBSP) are a familiar sight on the roads leading to local communities. They can be seen as “a bank on the road”, accompanying VBSP staff on journeys to serve the people, particularly poor households and other policy beneficiaries in remote and disadvantaged areas.
  • 2,730 customers access inclusive finance in Luc Yen district 12-08-2026, 4:36 pm
    2,730 customers access inclusive finance in Luc Yen district
    Lao Cai province currently boasts a "gemland" in the Northeast, renowned for its high-quality gemstones. Formerly a district-level administrative unit called Luc Yen, it is undergoing significant transformation thanks to investment and support from national target programs and policy credit funds. Thousands of households, especially ethnic minority communities, have overcome poverty and built prosperous and thriving lives.
  • Policy credit "awakens" the value of traditional craft villages in Nghe An province 10-08-2026, 9:31 am
    Policy credit "awakens" the value of traditional craft villages in Nghe An province
    Policy credit is not only a source of capital to help people develop production and business, but it has also become an important "lever" to preserve traditional craft villages, enhance OCOP products, and create sustainable livelihoods in Nghe An.
  • Policy credit give those who have gone astray a chance to turn their lives around 04-08-2026, 4:55 pm
    Policy credit give those who have gone astray a chance to turn their lives around
    Many people who have completed their prison sentences have been able to stabilize their lives and engage in legitimate business activities after receiving loans under Decision No. 22/2023/QD-TTg of the Prime Minister (referred to as Decision No. 22). This has contributed to the effective implementation of social prevention work, ensuring security and order, and serving socio-economic development in the area.
  • More than four million students to access education loans from VBSP 04-08-2026, 2:45 pm
    More than four million students to access education loans from VBSP
    Nearly two decades after its launch, Vietnam Bank for Social Policies' student loan programme has helped more than four million disadvantaged students stay in education, underscoring how concessional credit can serve not only as a social safety net but also as a strategic investment in Vietnam's future workforce.
  • Digitalization of policy credit for the poor and other vulnerable segments to contribute to the national comprehensive finance strategy 30-07-2026, 9:32 am
    Digitalization of policy credit for the poor and other vulnerable segments to contribute to the national comprehensive finance strategy
    Vietnam Social Policy Bank (VBSP) has just implemented loan disbursement through customers' payment accounts. This method not only helps people access capital conveniently and safely but also contributes to modernizing policy credit activities, improving management efficiency and service quality.
  • Policy credit affirms its pivotal role in social security 29-07-2026, 3:21 pm
    Policy credit affirms its pivotal role in social security
    In the context of Nghe An province's efforts to promote socio-economic development, build new rural areas, and achieve sustainable poverty reduction, policy-based credit will be an important "pillar," contributing to narrowing the development gap between regions, ensuring social stability, and promoting sustainable development in the province.
  • VBSP Announces Appointment of New General Director 23-07-2026, 10:51 am
    VBSP Announces Appointment of New General Director
    Vietnam Bank for Social Policies (VBSP) has just held a ceremony in VBSP Headquarters in Hanoi to announce and present the Prime Minister's Decision appointing Ms. Nguyen Thi Hang, former Deputy General Director, as Member of the Board of Directors and General Director of VBSP.
  • Newly appointed VBSP General Director Exchange Pleasantries with The Country Representative of TAF in Vietnam 21-07-2026, 11:21 am
    Newly appointed VBSP General Director Exchange Pleasantries with The Country Representative of TAF in Vietnam
    July 2nd, at the VBSP Head Office, newly appointed General Director of VBSP Nguyen Thi Hang received flowers and exchanged greetings with the Coutry Representative of The Asia Foundation (TAF), Ms. Erin (Phuong) Pham Steinhauer.
  • VBSP Deputy General Director Welcomes New Head of Country Representative of TAF 04-06-2026, 6:01 am
    VBSP Deputy General Director Welcomes New Head of Country Representative of TAF
    Afternoon June 3rd, at the headquarter of VBSP, Mr. Hoang Minh Te, Deputy General Director of VBSP, hosted a working session with the newly appointed Country Representative of The Asia Foundation (TAF) in Vietnam, Ms. Erin (Phuong) Pham Steinhauer. During this courtesy visit, the Deputy General Director highly commended and expressed gratitude for the contributions of TAF to VBSP’s digital transformation journey over the past decade.
  • VBSP promotes green inclusive finance towards sustainable development 13-02-2026, 3:34 pm
    VBSP promotes green inclusive finance towards sustainable development
    Implementing the Party and State's policies on green growth, the Vietnam Bank for Social Policies (VBSP) has step-by-step integrated Green Banking and green credit contents into its Development Strategy to 2030. This is considered an important financial tool to promote socio-economic development and improve climate change adaptation, especially in rural and ethnic minority areas.
  • VBSP offers preferential loans to students, master’s students, and doctoral candidates in science, technology, engineering, and mathematics (STEM) fields 03-09-2025, 1:48 pm
    VBSP offers preferential loans to students, master’s students, and doctoral candidates in science, technology, engineering, and mathematics (STEM) fields
    Deputy Prime Minister Hồ Đức Phớc signed Decision No. 29/2025/QĐ-TTg dated August 28, 2025, of the Prime Minister on credit policies for students, master’s students, and doctoral candidates in STEM fields to cover tuition fees, living expenses, and other study-related costs during their study period.
  • Annual Report 2023 10-01-2025, 9:13 am
    Annual Report 2023
  • The VBSP’s Board of Directors (BOD) held its regular meeting for the fourth quarter of 2024 09-01-2025, 2:27 pm
    The VBSP’s Board of Directors (BOD) held its regular meeting for the fourth quarter of 2024
    On January 9, in Hanoi, the BOD of VBSP held its regular meeting for the fourth quarter of 2024. Governor of the State Bank of Vietnam, Ms. Nguyen Thi Hong, who is also the Chairwoman of the VBSP BOD, chaired the meeting.
  • Annual Report 2022 09-01-2025, 9:24 am
    Annual Report 2022
  • VBSP implements tasks for the year 2025 09-01-2025, 9:22 am
    VBSP implements tasks for the year 2025
    On January 5, 2024, in Hanoi, Vietnam Bank for Social Policies (VBSP) held a hybrid conference to implement tasks for 2025. The conference was chaired by Mr. Duong Quyet Thang, Secretary of the VBSP Central Party Committee, Member of the Board of Directors, General Director of VBSP.
  • Credit policies under Decision 22 for ex-prisoners to rebuild lives in Ha Nam 22-01-2024, 4:06 pm
    Credit policies under Decision 22 for ex-prisoners to rebuild lives in Ha Nam
    Starting from October 10, those who have completed their prison sentences will be eligible for preferential loans worth up to 100 million VND (4,100 USD) each from the Vietnam Bank for Social Policies (VBSP), which is expected to help them begin anew, reintegrate into the community and enrich themselves.
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PHOTO ARTICLES

LENDING INTEREST RATE

Poor Households

Lending to poor households 6,6%/year
Lending to poor households in 64 poor districts as stipulated by the Government Resolution No.30a in 2008 3,3%/year

Near Poor Households

Lending to near poor households 7,92%/year

Students

Lending to disadvantaged students 6,6%/year

People in need of loans for job creation

Lending to business establishments owned by war invalids and handicapped persons 3,3%/year
Others...

DEPOSIT INTEREST RATE

Term Deposit Rate
Overnight 3,04%/year
1 week 3,23%/year
2 week 3,5%/year
Others...