Agribank 2025 - A remarkable breakthrough.

This information was recently announced by Agribank at its conference summarizing business activities in 2025 and outlining tasks for 2026. The conference was held in a hybrid format, combining in-person and online participation across the entire system.

Creating three key "driving forces"

TK 1 — Deputy Governor of the State Bank of Vietnam, Pham Tien Dung, delivered a speech at the conference.

In his opening remarks at the Conference, Chairman of the Board of Directors of Agribank, To Huy Vu, emphasized: Under the timely leadership and guidance of the Government and the State Bank of Vietnam; the decisive and unified direction of the Party Committee, the Board of Directors, and the Executive Board; and especially the high sense of responsibility, continuous innovation, and persistent efforts of all staff and employees - Agribank has flexibly and creatively implemented many breakthrough solutions to comprehensively and surpassingly fulfill the business and financial plan targets assigned by the State Bank of Vietnam in 2025. This is a highly commendable effort of the entire system, from the Head Office to the branches, from business units to support units, with a spirit of solidarity, discipline, responsibility, and service.

The achievements of 2025 have created three crucial "driving forces" for 2026: building a more solid financial foundation, better growth potential, and improved risk resilience; fostering a decisive and disciplined approach to action, with clear implementation and coordinated efforts throughout the system; and creating confidence and a solid practical basis for entering 2026.

TK 2 — "The achievements of 2025 have created three very important 'driving forces' for 2026" - *Chairman of the Board of Directors of Agribank, To Huy Vu:*

The year 2025 marks many important milestones, demonstrating Agribank's resilience, intelligence, and high sense of responsibility to the Party, State, and People – further affirming its role as a solid financial pillar, accompanying the development of the country, businesses, and people of Vietnam. Agribank's operations have undergone very positive changes, making remarkable breakthroughs compared to previous years and compared to other state-owned commercial banks, achieving the highest level after 5 years of implementing the restructuring plan associated with handling bad debts in the 2021-2025 period.

Agribank has comprehensively achieved the objectives of its restructuring plan, with total assets reaching over 2.6 trillion VND, surpassing the 100 billion USD mark, a 1.7-fold increase compared to 2020 when the second restructuring phase (2016-2020) ended, and a 4.4-fold increase compared to 2012 before the restructuring began. Capital reached over 2.35 trillion VND, a 1.6-fold increase compared to 2020 and a 4.3-fold increase compared to 2012; total outstanding loans to the economy reached nearly 2 trillion VND, a 1.6-fold increase compared to 2020 and a 4.2-fold increase compared to 2012; the non-performing loan ratio according to the restructuring plan by December 31, 2025, has sharply decreased to 1.21% (far below the target of under 3%). The on-balance sheet non-performing loan ratio as of December 31, 2025, is 1.14%. Labor productivity has increased significantly, Agribank operates safely and efficiently, and continues to make a large contribution to the State budget. The remaining indicators have all been met and exceeded the set targets, creating a solid foundation for Agribank to enter a new phase of development.

TK 3 — Agribank General Director Pham Toan Vuong delivers a speech.

The system operates effectively and efficiently.

In particular, Agribank has implemented the restructuring of its operations in the two key areas of Hanoi and Ho Chi Minh City decisively and comprehensively, achieving many clear results. Under the close guidance of the Party Committee, the Board of Members, and the Executive Board, branches in these areas have gradually overcome shortcomings, strengthened discipline, improved management and operational efficiency, and enhanced business performance. Many units, after restructuring, have shown positive changes in credit growth, asset quality, debt recovery after restructuring, and operational efficiency.

TK 4 — Representatives of the delegates attending the Conference delivered speeches.

The year 2025 also marks a significant shift in the comprehensive restructuring of operations, including addressing bad debts, reorganizing the organizational structure, and innovating the governance model at Agribank. The entire system has aggressively implemented solutions to streamline the organizational structure, improve operational efficiency and effectiveness; promote the application of technology and digital transformation; and innovate products and services in a modern, customer-centric direction.

Agribank continues to invest in information technology infrastructure, develop digital banking, and expand its service ecosystem; while also focusing on training and improving the quality of human resources, building a team of highly competent and professional staff to meet the requirements of modern banking management in the new era. Risk management, internal inspection and supervision, and institutional improvement continue to be strengthened, creating a solid foundation for safe and sustainable development.

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Recognizing Agribank's positive contributions to the development of agriculture, rural areas, and farmers, and the socio-economic development of the country, the State Bank of Vietnam awarded a certificate of merit to Agribank as a whole and a banner of emulation to outstanding units within the system.

In his remarks at the conference, Deputy Governor of the State Bank of Vietnam, Pham Tien Dung, acknowledged and highly appreciated the outstanding results achieved by Agribank in 2025, affirming that Agribank continues to play a leading role as one of the state-owned commercial banks, making important contributions to macroeconomic stability, inflation control, and economic growth support. The Deputy Governor emphasized that, in the context of intertwined domestic and international economic difficulties and challenges, Agribank has clearly demonstrated a proactive spirit, innovation, and adaptability to new requirements, especially in governance, management, and digital transformation. Looking ahead, the Deputy Governor requested Agribank to continue to leverage its leading role, focus credit on key priority areas, strictly control bad debts, and pay special attention to ensuring system security and safety, especially given the increasing scale of transactions, high rate of electronic transactions, and the strong development of digital transformation and the digital economy.

Staying steadfast in the mission of "agriculture, farmers, and rural areas"

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In 2025, Moody's maintained Agribank's credit rating at Ba2 - Stable, the same rating and outlook as Vietnam;
Top 100 largest enterprises in Southeast Asia; the only commercial bank honored with the Vietnam Glory 2025 award; 4 Outstanding Vietnamese Bank Awards, 6 Sao Khue Awards, Top 10 most valuable brands in Vietnam, Strong Vietnamese Brand 2025, Top 10 most reputable commercial banks in Vietnam;
Top 100 Green Businesses and Top 10 Green ESG Businesses in Vietnam 2025 in the banking sector, Sustainable Development Award 2025…

With outstanding loans to agriculture and rural areas exceeding VND 1.26 trillion, accounting for approximately 64% of total outstanding loans, Agribank continues to affirm its position as the bank with the highest proportion of "agriculture, farmers, and rural areas" credit in the entire Vietnamese banking system. Agribank consistently leads in implementing policy credit programs in accordance with the Party, State, and State Bank of Vietnam's guidelines, providing credit and spreading inclusive finance to every village, hamlet, remote area, border region, and island of the country, contributing to promoting the construction of new rural areas, sustainable poverty reduction, and economic development in remote areas and ethnic minority regions.

TK 5 — Deputy Governor Pham Tien Dung presents a certificate of commendation to the Agribank team.

Agribank has also proactively implemented many large-scale preferential credit programs, focusing on production, business, export, processing and manufacturing industries, high-tech agriculture, green economy, key economic projects, and social housing. Agribank's credit flow not only contributes to maintaining production and business activities but also creates sustainable livelihoods for millions of households, stabilizes society, and ensures social security. In the context of complex natural disasters and floods in 2025, causing serious damage in many localities, Agribank has promptly implemented practical measures to support affected customers in accordance with regulations: waiving or reducing interest and fees; restructuring repayment terms; providing new loans for production recovery; and allocating significant resources to social security work to support people in overcoming the consequences of natural disasters. In 2025, Agribank implemented interest rate reductions totaling over VND 14,000 billion for more than 27,500 customers, with the total interest reduction amounting to over VND 37 billion; and provided social welfare support of nearly VND 100 billion. Throughout the 2021-2025 period, Agribank reduced interest rates to support struggling customers and restore production and business activities by over VND 7,600 billion; and provided social welfare support of nearly VND 2,700 billion. Through these efforts, Agribank continues to affirm its role as a bank for the community, always accompanying and sharing the difficulties with people and businesses.

account 6 — Deputy Governor Pham Tien Dung presents the emulation flag to units within the system.

Agribank is the first bank to implement "Consultation, support, and document reception points for administrative procedures of the Public Administrative Service Center" at Agribank's transaction points in Hanoi, helping to connect the three pillars of "Finance - Administration - Legal", supporting people to carry out 8 essential procedures in one place; launching a smart kiosk model and a system for authenticating and issuing digital copies of electronic documents to reduce procedures and access public services transparently and efficiently. Actively leading the implementation of the Prime Minister's Project 06; accompanying and supporting business households in transforming their models into enterprises...

TK 7 — Deputy Governor Pham Tien Dung presents the emulation flag to units within the system.

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