Focus and prioritize key areas
In June 2026, the Government issued Resolution No. 168/NQ-CP, updating the growth scenario and key solutions in the remaining quarters. Accordingly, the economy strives to achieve the economic growth target for 2026 of 10% or more, associated with maintaining macroeconomic stability. In which, a noteworthy point, regarding credit management, the Government requires credit institutions to reduce costs, stabilize interest rates, and at the same time direct capital flows to production and business sectors, priority sectors and key projects.
Deputy Governor of the State Bank of Vietnam (SBV) Pham Thanh Ha said that in 2026, the SBV will continue to manage credit in accordance with macroeconomic developments; meet the capital needs of the economy; direct credit institutions to focus capital on production and business, priority sectors and growth drivers according to the Government's policy, and at the same time tightly control credit for potentially risky sectors to ensure the safety of the banking system's operations.
Mr. Pham Thanh Ha affirmed that, closely following that direction, organizations continue to restructure capital flows in the direction of focusing on production, business, priority sectors and growth drivers of the economy.
In the past time, Agribank has implemented a series of solutions, credit packages with support levels for a variety of customers. Especially in which is a credit program with a total scale of 500,000 billion VND and 100 million USD with lending interest rates lower by 1-2.5%/year compared to normal interest rates for individual customers and businesses to encourage and support customers to use capital.
Accordingly, for corporate customers, there are programs to promote FDI enterprise growth; accompanying import-export enterprises; strategic partners with large enterprises; development with SMEs enterprises; preferential loans to finance investment projects for corporate customers; sustainable business with enterprises owned by women...
The scale of these programs is 413. 000 billion VND and 100 million USD. Up to now, disbursement revenue has reached 57. 540 billion VND and 35 million USD. Outstanding debt 24, 153 billion VND and 28 million USD. Number of customers 3, 135 customers.
For individual customers, the bank offers a loan program with a scale of 80,000 billion VND. That is a loan program, guaranteed 100% by USD savings deposit balance "USD in account - Loan capital within reach"; preferential loans serving production and business activities "Having capital in hand - Sustainable business"; preferential interest rate loans "Green start - Accompanying you" for individual customers who need to borrow capital to buy electric vehicles; preferential loans "Mechanization - Improving agricultural value" for individual customers who need to borrow capital to buy machinery and equipment to serve agricultural production.
The bank also has "Long-term Large Capital - Sustainable Business" programs to support customers in expanding scale, investing in facilities, machinery, equipment and improving business efficiency... To date, lending turnover has reached more than 58.200 billion VND with more than 33,000 customers, outstanding loans nearly 43.800 billion VND.
Closely following the directions, policies, and guidelines of the Government
It can be said that, in addition to focusing on business as a backing for "Tam Nong", and as a driving force for the business community to develop, Agribank is always a pioneer in implementing programs, projects, and policies according to the policy of the Government and the State Bank.
Agribank has implemented a program to lend social housing, worker housing, and renovate and rebuild old apartment buildings according to Resolution 33/NQ-CP.
Agribank has approved 24 social housing projects for investors and homebuyers with a total approved amount of 5,344 billion VND. The bank has lent to 11 investors and 601 homebuyers with a total accumulated disbursement from the beginning of the program of more than 2,060 billion VND (of which, investors 1,670 billion VND, homebuyers are nearly 395 billion VND). Program outstanding balance is over 1,403 billion VND. In addition, Agribank also lends to young people under 35 years old to buy social housing, lending turnover is nearly 100 billion VND with 198 customers, outstanding balance is 91.9 billion VND.
In recent years, Agribank has focused resources and actively accompanied many key national transport infrastructure projects, including the Ring Road 4 - Hanoi Capital Region Construction Investment Project.
In key areas, Agribank has preferential interest rate credit packages for agriculture, forestry, and fishery, accumulated loan turnover of the program reached 20,432 billion VND, outstanding loan balance reached 6,041 billion VND with 12,795 disbursements to customers. Loans for linking production, processing and consumption of high-quality, low-emission rice products in the Mekong Delta region with accumulated disbursement turnover of 2,407 billion VND, outstanding loan balance of 792.7 billion VND. Outstanding loans for rice production and business in the specialized farming planning area of 1 million hectares of rice are 17, 254 billion VND; Outstanding loans to customers on the list of participants in the Project of 1 million hectares of rice are more than 1,350 billion VND.
In particular, in response to the national digital transformation program, Agribank has provided preferential loans to businesses investing in infrastructure and digital technology with a committed loan amount of 28,915 billion VND. To date, the accumulated disbursement turnover is 429 billion VND.
