Vietnam banking sector shifts toward revenue diversification and restructuring

Vietnamese banking sector liquidity management non-interest income credit restructuring capital mobilization

Vietnamese commercial banks are increasingly diversifying their revenue streams beyond traditional credit to maintain growth. Banks like VIB and Techcombank have seen significant surges in insurance income, with VIB reporting a 313.5% increase and Techcombank seeing a 171% rise in the first half of 2026.

Regarding liquidity, VDSC has proposed expanding the use of over 700 trillion VND in State Treasury deposits to alleviate systemic tensions. Meanwhile, recent data shows VND capital mobilization (up 8.77%) has begun to outpace credit growth (up 8.38%), potentially easing short-term liquidity pressures.

On the regulatory front, the Vietnamese Government has issued Resolution 262/NQ-CP, directing the State Bank of Vietnam to accelerate the restructuring of credit institutions and expedite the resolution of collateral assets for SCB. The government also emphasized the need for enhanced supervision to mitigate risks and ensure systemic safety.

Entities

SCB · South Korean government · State Bank of Vietnam · Techcombank · VIB · VPBank

Claims

What the coverage asserts, and how many sources carry each claim.

[○ 1 SOURCE] VND capital mobilization grew by 8.77% as of August 22, 2026, outpacing credit growth of 8.38%. soha.vn
[○ 1 SOURCE] Techcombank's insurance income reached over 1,260 billion VND in the first half of 2026, up 171% year-on-year.
[○ 1 SOURCE] Many Vietnamese banks are expanding their ecosystems into securities, insurance, and consumer finance to diversify revenue.
[○ 1 SOURCE] The Vietnamese Government issued Resolution 262/NQ-CP requiring the State Bank to restructure credit institutions and accelerate asset resolution for SCB. cafebiz.vn
[○ 1 SOURCE] VDSC proposed expanding the use of over 700 trillion VND in State Treasury deposits to address banking liquidity tensions. thoibaotaichinhvietnam.vn
[○ 1 SOURCE] VIB reported insurance income of 790 billion VND in the first half of 2026, a 313.5% year-on-year increase.