Persistent capital flow - the foundation for "Three-Farm" development
With a network operating throughout the country, deeply present even in remote and isolated areas, border areas, and islands, Agribank's credit capital flow has now covered 100% of communes nationwide, thereby expanding access to capital for people, especially in rural areas and areas with many difficulties.
By the end of 2025, outstanding credit for the agricultural and rural sectors reached nearly 1.3 million billion VND, accounting for about 64% of Agribank's total outstanding loans, continuing to affirm its position as the bank with the largest "Three-Farmers" credit scale and market share in the system.
Accompanying businesses - creating momentum for the production and business sector
In addition to its key role in the "Three Agriculture" sector, Agribank is also a reliable partner of the business community, especially small and medium-sized enterprises, cooperatives and production and business households. With flexible credit policies suitable to the specific characteristics of each industry and area, Agribank has created conditions for hundreds of thousands of businesses to access capital in a timely manner, serving production expansion, technology innovation and improving competitiveness.
Not only providing capital, Agribank also accompanies businesses through comprehensive financial solutions such as consulting on production and business plans, restructuring debt repayment terms, reducing interest rates, and simplifying loan procedures. This approach helps businesses not only overcome immediate difficulties but also improve adaptability and sustainable development.
Orienting green capital flows - promoting sustainable development
In the context of increasingly urgent demands for sustainable development, Agribank proactively orients credit capital flows into green and environmentally friendly sectors, contributing to realizing the national green growth goals.
Many large-scale credit programs have been implemented such as loan programs for agricultural development applying high technology, clean agriculture; credit programs for green projects and key economic sectors; preferential credit programs for individual customers investing in environmentally friendly production models... To date, Agribank's green credit balance has reached about 28,000 billion VND, focusing on areas such as clean agriculture, sustainable forestry, renewable energy and circular economy.
Clearly identifying the limitations of small-scale and scattered agricultural production, Agribank has proactively organized capital flows according to the value chain, linking farmers, cooperatives and businesses. Agribank implements many preferential credit policies for production - processing - product consumption linkage models; supporting unsecured loans for feasible options; and integrating sustainable development factors in the credit granting process.
Technology platform - improving capital and financial inclusion efficiency
Along with expanding credit scale, Agribank identifies digital transformation not only as an inevitable trend but also as a key driving force to improve operational efficiency, optimize processes and increase service quality. On that basis, Agribank is gradually investing in and completing information technology infrastructure, building a synchronous digital banking ecosystem, towards a modern banking model, with customers at the center.
Currently, Agribank is managing data of tens of millions of customers, and at the same time developing a digital banking service ecosystem with hundreds of utilities, meeting diverse needs from payments, transfers, savings to personal and business financial services. The information technology system operates stably, processing about 60 million transactions per day.
In particular, the development of digital banking has significantly expanded access to financial services to rural areas, remote and isolated areas - where infrastructure conditions are still limited.
Affirming the pillar role in the new development stage
Entering a new development phase with the requirement of rapid and sustainable growth, Agribank continues to affirm its role as a state-owned commercial bank holding a pillar position in providing capital to the economy, closely accompanying the Government and the State Bank in implementing monetary and credit policies. On that basis, Agribank orients the allocation of capital sources to focus on the production and business sector, thereby contributing to promoting substantive growth, creating jobs and maintaining macroeconomic stability.
Promoting traditional strengths, Agribank continues to play a key role in investing in "Three-agriculture" development, while proactively expanding credit into high-value-added sectors such as processing industry, infrastructure, energy, digital economy and green credit. This orientation not only helps improve capital use efficiency but also contributes to promoting economic restructuring towards modernity and sustainability, in line with the country's long-term development goals.
