" open a new account - Welcoming business" is a special incentive program in 2025 aimed at businesses opening new payment accounts at Agribank. Enterprises opening new accounts will be given beautiful accounts and reduce fees for opening beautiful accounts. At the same time, newly opened accounts will be completely exempted from account management fees and free electronic banking services for Agribank Corporate eBanking businesses, including outstanding utilities such as transfer money inside and outside the system, transfer money by lot, salary payment, electronic tax payment, etc.
Along with the preferential program for opening new accounts, Agribank is synchronously implementing preferential credit programs aimed at diversifying many types of businesses.
Notably, the thriving program with small and medium enterprises (SMEs) provides preferential capital with flexible loan conditions, interest rates reduced by up to 1.2%/year compared to the normal lending interest rate floor, helping SMEs access capital more easily, reducing financial burden and improving competitiveness in the current context.
One of the key areas prioritized for capital investment is import-export activities, enterprises carrying out import-export activities are entitled to preferential interest rates up to 1.6%/year compared to the normal lending interest rate floor. In addition to interest rate support, the program also combines incentives and support for international trade finance and payment services, supporting businesses to boost trade, expand markets and exploit opportunities from free trade agreements that Vietnam is participating in. In addition, financial solutions such as UPAS L/C, pre- and post-delivery financing, and payment guarantee are also designed to suit the characteristics of import-export activities of each enterprise.
Agribank has a large-scale credit program of 80,000 billion to finance large enterprises, with short-term lending interest rates up to 1.5%/year lower than the normal lending interest rate floor. This is a strong boost, helping corporations, general companies, and large enterprises have more resources to boost investment, expand production, and participate more deeply in the global supply chain.
In addition, in 2025, there will be a return of a credit incentive program for foreign-invested enterprises (FDI), with a scale of VND 5,000 billion and USD 100 million. At the same time, FDI enterprises also have access to trade finance products, foreign exchange and international payment services with optimal costs and fast processing speed.
Not only focusing on supplementing short-term capital for businesses, Agribank also implements a preferential credit program to finance medium and long-term loans to serve investment projects in many fields such as renewable energy, high-tech agriculture, infrastructure development and processing industry... With stable capital flows, fixed interest rates up to 24 months from only 6.0%/year, the program will create favorable conditions for businesses to realize large investment plans, actively contributing to economic growth and sustainable development.
With the combination of account opening incentives and large-scale credit packages, Agribank expects 2025 to be a breakthrough year for the enterprise. This is a strategic step, demonstrating Agribank's long-term commitment to accompanying, supporting and creating success with the business community and contributing to the country's economic recovery.
Agribank is currently notifying corporate customers at transaction counters to update the identification documents and biometric information of the Legal Representative to avoid payment interruptions when Circular 17/2024/TT-NHNN of the State Bank officially takes effect for enterprises and organizations from July 1, 2025.
