Vietnam's central bank says outstanding dong loans exceed deposits by about 2 quadrillion dong (USD 7.68 billion), a liquidity and rate risk. The government wants near-12% growth in the second half of 2026 and Techcombank has started seeking foreign funding. For a Thai SME this is background: Vietnam is a regional export and sourcing market, and tighter Vietnamese bank funding or dong-related rate moves could affect trade partners and import costs. No action needed now.