Banks and credit institutions are confident about an average credit balance growth of 17.6 percent in 2015 for the whole system, stimulated by the positive outlook of the economy’s demand for financial services. The stance also demonstrates the economy’s recovery and possibility of loan absorption as well as promising business production for enterprise from 2015-2016. According to a recent research study on business trends among credit institutions and foreign bank branches in Vietnam conducted by the State Bank of Vietnam, capital mobilisation of the whole banking system is expected to hit an average growth of 15.56 percent by end of 2015, of which VND mobilisation has surpassed that in USD. The report cited nearly 50 percent of the credit institutions expect deposit and loan interest rates to reduce about 1 percent a year compared to late 2014. Around 30 percent of the credit institutions expected the interest rates would remain unchanged while about the same proportion projected the rates might increase slightly but not exceed 0.7 percent a year. Credit institutions have acknowledged that there has been a decrease in customer risks this year compared to 2014, thus credit institutions believed bad debt will follow the same trend. Notably, 89 percent of financial institutions believed the bad debt and credit balance ratio might reach 2.39 percent by end of 2015.  The entire system’s liquidity is constantly maintained. Some 90 percent of the credit institutions have revealed their liquidity status is in good condition in both VND and foreign currencies.-VNA.