At the 2024 year-end conference, the Government issued a strong message: "Accelerate and make a breakthrough" to strive for socio-economic growth in 2025 to reach over 8%, even 10% if conditions are favorable - creating an important premise for the double-digit development period from 2026 to 2030. Responding to that spirit, Agribank has clearly demonstrated its strong determination to act since the first days of 2025. Not only implementing policies, Agribank has been an important driving force for the aspiration to rise of the Vietnamese economy.
Resolutely act for the double-digit economic growth target
Not only stopping at commitments, from the first days of 2025, the bank has proactively and drastically implemented a series of solutions to realize credit growth targets, creating a strong driving force for the overall development of the economy.
To ensure consistency and efficiency, Agribank has quickly organized a series of conferences to deploy business tasks in regions and branches nationwide. The key goal of these conferences is to thoroughly grasp the directions of the Government, the State Bank of Vietnam (SBV) and the Party Committee, the Board of Members, and the Executive Board of Agribank, thereby ensuring the entire system is unanimous and determined in implementing credit activities safely and effectively, focusing on production and business, priority areas and new growth drivers.
In addition to dissemination work, Agribank has also pioneered the implementation of a preferential credit package of up to VND 110,000 billion from the beginning of 2025. This is an important capital flow to promptly support people and businesses to overcome difficulties and quickly restore production and business. This capital is prioritized to focus on key areas such as agriculture, rural areas, renewable energy, clean energy, industry, real estate, consumption and services, thereby creating new momentum for economic activities.
Reducing interest rates and diversifying preferential credit programs
In parallel with launching major credit packages, Agribank also seriously implemented the direction of the State Bank on reducing lending interest rates. The bank continuously adjusts and transparently publicizes interest rates according to regulations. Notably, many preferential credit programs have been specifically designed with interest rates 1.2% - 1.8%/year lower than normal, aiming to suit specific subjects.
These include a program for FDI enterprises with a scale of VND 5,000 billion and USD 100 million, supporting enterprises to access capital more easily with VND lending interest rates down to 1.8%/year and USD down 1.0%/year. Along with that is a program to accompany import-export enterprises with short-term loan interest rate incentives, L/C payment fee exemptions, import-based income, foreign currency transfers, contributing to reducing the cost burden for enterprises.
In particular, for small and medium-sized enterprises, Agribank has allocated VND 60,000 billion in short-term preferential capital through the Hung Thinh program with SMEs with an interest rate lower than 1.2%/year. In addition, there are also medium and long-term preferential credit programs to support investment projects in key sectors and green sectors, towards sustainable development.
Pioneering green credit and digital transformation
In addition to focusing on traditional fields, Agribank also demonstrates its pioneering role in promoting green credit and sustainable development. The bank actively implements the National Strategy on Green Growth, strongly promotes green credit and ESG (Environment, Society, Governance) practices. Priority capital is flowing into clean agricultural projects, high-tech agriculture, renewable energy, contributing to "greening" investment capital flows, towards an environmentally friendly economy.
To improve access to capital for people and businesses, Agribank continuously improves its process, simplifies lending procedures and processes. Along with that, the bank also strengthens risk management, ensuring safe, effective and sustainable credit growth.
In the digital age, Agribank constantly promotes digital transformation and applies technology. Security and safety solutions in the digital space have been strongly implemented; customer data collection and cleaning has also been focused on according to the direction of the Government and the State Bank. Digital banking products and services such as Agribank Plus are continuously developed, providing comprehensive and convenient financial solutions, improving customer experience.
Affirming social responsibility and contributing to common development
Notably, despite many fluctuations in the economic context, Agribank still maintains its key role in continuing to implement 7 policy credit programs and 3 national target programs on new rural construction, sustainable poverty reduction, socio-economic development in ethnic minority and mountainous areas, affirming a bank's deep social responsibility for the community. In addition, Agribank also actively participates in social housing programs, focusing on supporting young people with access to housing through the implementation of preferential lending programs with reasonable interest rates, simplifying loan procedures and enhancing legal advice and support, contributing to realizing the dream of settling down for future generations.
With drastic and synchronous solutions implemented since the beginning of the year, as of June 30, 2025, Agribank's mobilized capital reached over 2.1 million billion VND, an increase of 6.4% compared to the beginning of the year, the highest since 2021, Agribank's outstanding loans to the economy reached over 1.85 million billion VND, an increase of 7.6% compared to the beginning of the year, higher than the same period in 2024. Of which, outstanding loans to agriculture and rural areas reached more than 1.13 million billion VND, accounting for over 61% of outstanding loans to the economy.
Agribank is determined to comprehensively complete the business targets and goals of the Restructuring Plan associated with bad debt handling for the period 2021-2025 while successfully implementing the Resolution of the 10th Agribank Party Congress and the Development Strategy Project to 2025, with a vision to 2030.
Most importantly, Agribank will continue to actively contribute to socio-economic development, especially in the agricultural and rural sector, creating a solid foundation for the " era of rising up" of the country. The drastic actions since the beginning of 2025 once again demonstrate Agribank's strong commitment to accompanying the nation's aspiration to rise up, building a strong and prosperous Vietnam.
