This was the first time the central bank had systematically publicised data involving credit activities since Circular 35/2011/TT-HNNN, a document it issued to stimulate timely monetary and banking information, became effective on April 1.
Lending for manufacturing and processing industries represented the largest ratio in the total outstanding loans, increasing 5.19% to reach nearly VND607.85 trillion (US$29.22 billion).
Wholesale, retail and automobile and motorcycle repair followed closely with an outstanding loan of VND524.07 trillion (US$25.20 billion), although lending for these areas declined 1.83%.
In four months, banks raised nearly VND2,534 trillion (US$120.7 million) from people and enterprises, up 3.6% over the end of last year.
While money mobilised from the people increased sharply by 11.78% to total VND1,450 trillion (US$69.71 billion) over the period, enterprise deposits fell by 5.6%, reaching VND1,084 trillion (US$52.12 billion).
Total money supplies mounted to around VND3,036 trillion (US$145.96 billion) at the end of April after increasing 3.14% in the first four months, the SBV reported.
On April 30, the ratio of outstanding loans on deposits reached a general level of 86%, according to the SBV. Joint-stock banks, with a specific ratio of 77.6%, were showing more security than State-owned banks, with 107.8%.
Joint-venture and foreign banks had the highest capital security rate of 32.54%, doubling the general level of the banking system at 14.55%.
State-run banks proved more profitable with a return on assets (ROA) ratio of 0.43% and a return on equity (ROE) of 4.87%, both nearly doubling those of joint stock banks.