The highlight of Agribank's credit programs is not only the scale of hundreds of thousands of billions of VND, but also the competitive interest rate policy, which is adjusted down from 0.6% to 1.5%/year compared to the normal interest rate. Along with that are a series of accompanying incentives such as reduced payment service fees, foreign exchange rate incentives, trade finance support and improved cash flow management efficiency. These solutions help businesses not only access capital more easily but also optimize financial costs in the context of a still volatile market.
Towards the foundational sectors of the Vietnamese economy, Agribank is implementing a preferential credit program for businesses investing in infrastructure, transportation and strategic technology according to the policy of the Party, Government and State Bank. With the characteristics of large-scale projects with long capital recovery times, the bank applies preferential interest rates up to 1.5%/year lower than the average lending interest rate for the same term and flexible loan terms.
Since the beginning of 2026, Agribank has signed credit contracts to finance many large projects, playing a key role in socio-economic development. Notable projects include Ring Road 4 - Hanoi Capital Region, Agribank is the focal point for arranging funding of 25,453 billion VND; Ninh Binh - Hai Phong Expressway project connecting economic centers of the Northern Coastal region; along with green and clean energy projects such as Green - smart - sustainable industrial park Tien Lang Airport - Zone B in Hai Phong, Component Project 1 - Power plant belonging to Quang Trach II LNG Thermal Power Plant Project and Solid Waste Fuel Plant project in Khanh Son, Da Nang City.
In addition to providing medium and long-term capital to serve investment in large projects, Agribank allocates 200,000 billion VND of short-term preferential capital to accompany corporations, general corporations and large enterprises in the role of a reputable strategic financial partner, so that businesses can feel secure about production and business capital, reinvest to break through growth.
For the foreign-invested enterprise (FDI) sector, Agribank also allocates financial resources and designs specialized products to support this customer group. In 2026, Agribank will implement a preferential credit program for FDI enterprises with a scale of 5,000 billion VND and 100 million USD, preferential interest rates reduced by up to 1.0%/year compared to the normal lending interest rate floor. Not only stopping at providing capital, the bank also integrates comprehensive financial services such as international payments, trade finance, cash flow management and digital banking, preferential exchange rates for foreign currency trading and exemption and reduction of compulsory insurance premiums, thereby creating favorable conditions for FDI enterprises to expand operations in Vietnam.
In addition, in import and export activities - an important driving force of economic growth, Agribank also implements a preferential credit program of 70,000 billion VND with short-term lending interest rates up to 0.8%/year lower than the normal lending interest rate floor. In parallel with that are preferential policies on international payment fees, issuance of letters of credit (L/C) and foreign currency buying and selling exchange rates. Thanks to that, import-export enterprises can optimize cash flow, reduce transaction costs and improve competitiveness in the international market.
Not only focusing on large-scale enterprises, with more than 96% of business customers serving being small and medium-sized, Agribank also pays special attention to SMEs. This is also the force accounting for the largest proportion in the economy, directly creating jobs and income for people in the locality, making significant contributions to social security and new rural development. With a preferential credit program of 100,000 billion VND, Agribank creates conditions for SMEs to access cheap capital sources, more convenient procedures and accompany consulting and supporting businesses in financial management, cash flow management and gradual digital transformation.
A new point in the 2026 credit incentives is the incentive program for women-owned businesses with preferential interest rates as low as 0.7%/year compared to the normal lending interest rate floor. The program not only supports capital with preferential interest rates but also creates conditions for businesses to improve management capacity, expand business operations, contributing to affirming the role of women managers and women operators in the modern economy.
It can be seen that Agribank's product and service policies in 2026 not only meet the diverse capital needs of businesses but also contribute to building a comprehensive, modern, and digital financial ecosystem. This is an important foundation for businesses to develop stably, improve operational efficiency and gradually integrate deeply into the global economy.
Promoting the culture of service with the orientation "Customer is the center", Agribank continues to affirm its role as a reliable companion of the business community. Efforts in implementing large-scale preferential credit programs not only demonstrate the bank's responsibility to the business community but also a strong commitment to accompany and promote breakthrough economic growth and sustainable development.
