Throughout its 38 years of development, Agribank has consistently taken the lead in implementing solutions to support the economy and agriculture, farmers and rural areas, standing alongside them at every stage of their development and serving as a “lever” for the growth of the business community. Agribank has also continued to fulfil its role as a key commercial bank in implementing the policies and directions of the Government and the State Bank of Vietnam.

As one of Agribanks closely aligned with the policies and directions of the Government and the State Bank of Vietnam, Agribank has proactively and flexibly provided credit to the economy and supported production and business activities. Agribank continues to focus on the key growth drivers of consumption, exports and investment, while prioritising key sectors, including exports, agriculture, high-tech sectors, small and medium-sized enterprises and supporting industries.

In recent times, Agribank has rolled out a wide range of solutions and credit packages providing different forms of support for a broad range of customers. Most notably, Agribank has implemented credit programmes totalling VND 500 trillion and USD 100 million, with lending rates 1–2.5 percentage points per annum below standard rates for individual and corporate customers, thereby encouraging and supporting customers in using loan funding.

For corporate customers, the programmes include “Promoting FDI enterprise growth”; “Supporting import-export enterprises”; “Strategic partnership with large enterprises”; “Growing with SMEs”; preferential loans to finance investment projects for corporate customers; “Sustainable business with women-owned enterprises”; and preferential lending for customers with USD-denominated income or collateral in the form of USD deposits.

These programmes have a total scale of VND 413 trillion and USD 100 million. To date, cumulative disbursements have reached VND 57.54 trillion and USD 35 million. Outstanding loans stand at VND 24.153 trillion and USD 28 million, with 3,135 customers participating in the programmes.

For individual customers, Agribank offers lending programmes with a total scale of VND 80 trillion. These include the loan programme fully secured by USD savings deposit balances, “USD in your account – Financing within reach”; the preferential loan programme for production and business activities, “Capital in hand – Sustainable business”; the preferential interest rate programme “Green journey – Alongside you” for individual customers seeking loans to purchase electric vehicles; and the preferential loan programme “Mechanisation – Enhancing agricultural value” for individual customers seeking loans to purchase machinery and equipment for agricultural production.

A notable initiative is the preferential green credit programme for individual customers seeking loans to meet personal, production or business needs under green, environmentally friendly plans or projects. This is one of Agribank’s lending programmes demonstrating its responsibility to the community in promoting socio-economic development. Agribank consistently works alongside the Government in developing a green economy and advancing sustainable economic development.

Agribank also offers the “Substantial long-term capital – Sustainable business” programme, supporting customers in expanding their operations, investing in facilities, machinery and equipment, and improving business efficiency. To date, cumulative loan disbursements have exceeded VND 58.2 trillion, serving more than 33,000 customers, with outstanding loans of nearly VND 43.8 trillion.

Kylie Nguyen