Based on the achievements in the past time, Agribank is proactively transforming strongly, constantly improving management capacity, modernizing operations, promoting digital transformation, green transformation and improving service quality. This is not only a continuation of the journey of sustainable development but also shows determination to innovate, aspiration to rise up and responsibility to accompany people and businesses, contributing to the implementation of the country's socio-economic development goals in the new period.
Solid foundation from comprehensive progress
Entering 2026 with a financial foundation built over 38 years of development, Agribank continues to maintain positive growth momentum, affirming its position as one of the largest financial institutions in Vietnam. As of May 31, 2026, total assets reached over 2.7 million billion VND; mobilized capital source over 2.5 million billion VND; outstanding credit balance exceeded 2 million billion VND, focusing on production and business sectors, priority economic sectors and the agricultural and rural sectors. Credit quality is effectively controlled, the bad debt ratio is maintained at a low level, reflecting the increasingly improved risk management capacity.
These results are not only a milestone of the completion of the Restructuring Plan associated with bad debt handling in the 2021-2025 period but also create an important foundation for Agribank to enter a new development phase with a more proactive and confident mindset. Along with scale growth, Agribank continues to innovate its management model, improve the quality of human resources, strengthen inspection and supervision, modernize technology infrastructure, promote digital transformation and green transformation throughout the system. These are important driving forces to help Agribank improve competitiveness and adapt to the development requirements of the banking industry in the digital age.
Accompanying agricultural and rural modernization
On the journey of nearly four decades of development, Agribank has always been steadfast in its mission of accompanying agriculture, farmers, and rural areas. The bank persistently brings capital and modern financial services to remote, isolated, border, and island areas, contributing to promoting socio-economic development and ensuring social security.
With a wide network, Agribank not only plays the role of a commercial bank but also contributes to bringing the Party and State's credit policies into life. From rice fields in the Mekong Delta, industrial crop specialized areas in the Central Highlands to mountainous, border and island communes, Agribank's imprint is always present in the development journey of each locality.
Not stopping at the role of providing capital, Agribank also proactively leads capital flows into high value-added sectors such as high-tech agriculture, clean agriculture, green transformation projects, renewable energy and sustainable development. Agribank identifies green credit as an important driving force to promote a green, circular and low-emission growth model.
In recent years, Agribank has implemented many large-scale credit programs such as a loan program for agricultural development applying high technology, clean agriculture with a minimum scale of 50,000 billion VND; a program to finance projects in the green sector with a scale of 30,000 billion VND; a preferential credit program for OCOP products; a green credit program for individual customers with a scale of 3,000 billion VND; and actively participated in the Sustainable Development Project of 1 million hectares of high-quality, low-emission rice in the Mekong Delta.
Agribank also played a supporting role in Vietnam's first carbon credit sale transaction with a value of nearly 51.5 million USD. In parallel, the "Agribank - For a Green Future" program has been implemented for many years with the goal of planting 1 million trees each year, contributing to spreading sustainable development values in the community.
Implementing Resolution 57-NQ/TW of the Politburo on developing science, technology, innovation and national digital transformation, Agribank promotes the application of technology, expanding digital banking services to millions of customers, especially in rural areas. Digital transformation not only improves operational efficiency but also contributes to promoting the building of a digital society and digital economy from the grassroots level.
Creating new value in a new development phase
2026 opens a new stage of national development with the implementation of the Resolution of the 14th Party Congress and the socio-economic development plan for the period 2026 - 2030. In that context, Agribank not only aims for growth in scale but also focuses on improving quality, efficiency and sustainability in all aspects of operation.
Continuing to promote the role of a key state-owned commercial bank in investing in agricultural, farmer, and rural development, Agribank promotes digital transformation, green transformation, improves management capacity, risk control and service quality; and at the same time accompanies people and businesses to exploit new growth drivers.
From the foundation nurtured over nearly four decades and the outstanding achievements achieved, Agribank is possessing favorable conditions to enter a new development stage with a proactive, confident and greater aspiration mindset. Not only continuing to maintain its role as a key commercial bank serving "Tam Nong", Agribank also aims to become a modern, green, digital and sustainable financial institution, actively contributing to the goal of building a strong and prosperous Vietnam in the new era of national development.
