2026 is forecast to be a period of strong recovery for the construction industry. The market is receiving many growth drivers from the large-scale public investment wave with total public investment capital expected to exceed 1.1 million billion VND, along with a series of key infrastructure projects such as airports, railways and inter-regional transportation, the need for financial resources for investors and contractors will increase sharply. However, alongside the opportunities are challenges in raw material costs, green transformation pressure and increasingly strict financial management requirements.
In that context, synchronous financial solutions from banks become an important factor to help businesses optimize capital flows and improve project implementation capacity. Grasping this trend, VietinBank has implemented the SMART PACK solution package to support investors and construction contractors to access capital effectively, reduce costs and accelerate the implementation of large projects.
SMART PACK focuses on two core values: capital flow optimization and comprehensive fee incentives, bringing a synchronous product and financial service ecosystem for businesses operating in the construction sector.
Specifically, to support businesses in optimizing capital flows, SMART PACK provides specialized sponsorship and guarantee products, suitable for the specifics of the construction industry - where projects often have long capital cycles and require many different forms of financial guarantees. Businesses have access to solutions such as BCT prepayment, loan guarantee, payment guarantee, UPAS L/C, Standby L/C... These tools help businesses be more proactive in managing cash flows, increase payment capacity for partners, and improve financial reputation in the project implementation process.
In addition, corporate customers participating in the SMART PACK package also have the opportunity to access preferential loans, creating favorable conditions for businesses to supplement financial resources to serve construction, purchase materials, equipment or expand project scale. Optimizing capital structure not only helps businesses reduce short-term cash flow pressure but also increases the ability to take advantage of new investment opportunities.
In parallel with that, SMART PACK also brings a comprehensive fee incentive system, helping businesses significantly reduce financial costs during operation. For example, businesses will be 100% exempt from bid guarantee fees, and also enjoy fee incentives for many important services such as tiered guarantees, foreign currency transfers, account identification, salary payment services, and VietinBank eFAST digital banking platform.
In particular, the program also offers 200 guaranteed subscription packages and L/C subscription packages, helping businesses be more flexible in using trade finance and bank guarantee services - indispensable tools in bidding and project implementation activities.
Moreover, SMART PACK also offers exchange rate incentives of up to 250 points, helping businesses save costs when making foreign currency trading transactions, especially in the context that many construction projects are related to importing machinery and equipment or payments with international partners.
With the combination of capital flow optimization solutions, guarantee services, fee incentives and a modern digital banking platform, SMART PACK is expected to become an effective financial support for investors and construction contractors. From there, not only helping businesses optimize costs and cash flow, but also improving competitiveness, accelerating project implementation and sustainable development in an increasingly volatile business environment.
