The list of honors is built from the PRIVATE 100 and VNTAX 200 systems - two unique honor boards that comprehensively reflect the level of contribution of enterprises to the national budget. This is a system to honor enterprises that contribute the largest budget in Vietnam announced annually by cafeF, to recognize the contributions of enterprises to the state budget and economic development with a review process based on a large, public, transparent database and recognized by many professional agencies. This makes the results announced not only commendable, but also a reliable measure of the financial health and social responsibility of the business.
Notably, the group of 20 leading enterprises contributed about 40% of the total national budget revenue. This figure shows Agribank's special stature when it plays a key role with a small group of enterprises, creating a financial foundation for the State to implement social security, healthcare, education, infrastructure policies and international integration.
The Top 20 membership clearly reflects the diversity including state-owned enterprises, private enterprises, and FDI capital. However, units with large financial scale, maintaining stable contributions for many years, are still pillars, including Agribank.
Agribank's participation in the Top 20 is not only a remarkable achievement, but also a strong affirmation of the sustainable strength and pillar role of Vietnam's leading commercial bank. According to the 2024 financial report, Agribank's total assets are approximately VND 2.2 million billion, up nearly 10% compared to 2023. The capital mobilized from the economy exceeded VND2 million billion, up 7.5%, while outstanding credit reached about VND1.72 million billion, up 11%. In particular, more than 65% of Agribank's outstanding credit is concentrated in the agricultural and rural sectors - areas considered the "backbone" of the economy, thereby continuing to affirm Agribank's mission and pioneering position in developing "Tam Nong" and accompanying the country's development.
Credit quality is well controlled with a bad debt ratio of 1.56%, targeting to drop below 1% in 2025. Own capital reached VND126 trillion, charter capital was VND51.6 trillion, pre-tax profit was VND27,567 billion, up 8% over the previous year. These figures confirm that Agribank is not only the largest state-owned commercial bank but also one of the enterprises that contributes stably and sustainably to the national budget.
The difference of Agribank lies in its mission: with more than 2,200 branches and transaction offices nationwide, the bank brings credit capital to remote areas - places associated with agricultural life. If many other banks focus on profits, Agribank chooses to go hand in hand with business efficiency and socio-political responsibility. Priority capital for "third party farmers" has supported millions of households, small businesses and cooperatives. Therefore, Agribank's participation in the Top 20 not only affirms financial capacity but also demonstrates its role as an "extended arm" in implementing agricultural and rural development policies.
Agribank's entry into the Top 20 largest budget-paying enterprises in Vietnam in 2025 not only affirms financial strength, but also clearly demonstrates its role as an "S - Social" pillar in ESG. Budget contributions along with preferential credit programs and community support have turned Agribank's business results into practical and sustainable social values.
Agribank's large budget contributions not only strengthen national resources, serve investment in healthcare, education, and social security, but also go hand in hand with preferential credit programs for poor households, ethnic minorities, or activities to support natural disasters and epidemics. Thereby, Agribank realizes social responsibility, spreading humanistic values beyond financial figures.
Being honored in the Top 20 also means affirming Agribank's leading position: the largest state-owned commercial bank, leading in terms of asset scale, network, outstanding credit and a pillar role in macroeconomic stability. This achievement adds motivation for Agribank to promote innovation and digital transformation, towards a green - sustainable banking model, while affirming its commitment to accompanying the Government in socio-economic development and comprehensive community responsibility.
