Agribank - Many important milestones that help boost business and economic growth.

In 2025, the Vietnamese economy will face numerous challenges as businesses and individuals continue to confront various pressures, particularly rising production and business costs, and the need for stable and timely access to capital for recovery and development.

In this context, Agribank continues to clearly affirm its role as the main source of capital for the economy, measured not only by scale or market share, but more importantly by the quality, orientation, and depth of its credit flow to production, business, and sustainable economic growth.

A solid foundation creates lasting value.

The experience of 2025 shows that Agribank's role as the main source of capital is not only reflected in the trillions of dong in growth figures, but more importantly in the orientation, quality, and ripple effect of this capital flow on the economy . The consistent focus on production, business, agriculture, rural areas, and priority sectors has contributed to creating a solid foundation for economic growth while ensuring the safety of the financial system.

Agribank is currently implementing seven policy credit programs and national target programs on building new rural areas, sustainable poverty reduction, and socio-economic development in ethnic minority and mountainous regions. (Photo: Agribank)

In 2025, Agribank's operations will record significant achievements in proactively establishing and managing capital sources in a large-scale and stable manner, thereby creating a foundation for safe and effective credit expansion. By December 31, 2025, Agribank's total assets will reach over VND 2.68 trillion, an increase of more than 20% compared to 2024; market 1 mobilized capital will reach VND 2.30 trillion, an increase of 13.4%, completing and exceeding the plan assigned by the State Bank of Vietnam. Deposits from individual customers at Agribank will reach nearly VND 1.79 trillion, an increase of 11.7%, accounting for approximately 85% of total capital. This not only serves as a pillar ensuring liquidity safety but also reflects the trust of people and businesses in the leading state-owned commercial bank investing in the development of agriculture , farmers, rural areas, and the national economy.

Based on strict control of input capital costs, flexible interest rate management, and effective capital balance, Agribank's lending interest rates in 2025 decreased by an average of nearly 1% compared to the beginning of the year and are among the lowest in the market, directly contributing to supporting businesses and individuals in reducing financial costs, recovering and expanding production and business.

Building on a solid capital base, Agribank has effectively regulated credit flows in line with macroeconomic management guidelines. By the end of 2025, total outstanding loans to the economy are expected to reach nearly 2 trillion VND, a 14.7% increase compared to 2024. Notably, the structure and quality of credit flows are concentrated primarily in the production and business sectors and priority areas. Outstanding loans to agriculture and rural areas reached over 1.26 trillion VND, accounting for approximately 64% of total outstanding loans, further solidifying Agribank's position as the bank with the highest proportion of loans to the "three rural sectors" (agriculture, farmers, and rural areas) in the entire system.

In addition, credit to the private sector, small and medium-sized enterprises, and household businesses has been significantly expanded. Outstanding loans to individual customers reached nearly 1.48 trillion VND, accounting for approximately 75% of total outstanding loans, thereby contributing to promoting financial inclusion, creating sustainable livelihoods for people, and stabilizing society.

Growth coupled with social responsibility.

In addition to playing a leading role in commercial credit, Agribank is also a crucial hub for implementing policy credit programs in accordance with the Party and State's guidelines.

Currently, Agribank is implementing 7 policy credit programs and national target programs on building new rural areas, sustainable poverty reduction, and socio-economic development in ethnic minority and mountainous regions; among which, the rural development loan program stands out, with outstanding loans reaching approximately 746 trillion VND by the end of 2025, serving nearly 2 million customers.

In addition, there are loan programs supporting poor districts, ethnic minority and mountainous areas; loans for social housing; loans for aquaculture development; loans for replanting industrial crops, etc. Through these programs, Agribank's credit capital not only promotes economic growth but also contributes to ensuring social security, sustainable poverty reduction, and narrowing the development gap between regions.

Agribank has proactively implemented numerous large-scale preferential credit programs, totaling over 400 trillion VND, focusing on production, business, processing and manufacturing industries, exports, and small and medium-sized enterprises. In particular, Agribank actively participates in the 500 trillion VND preferential credit package as directed by the Government, serving infrastructure investment, digital transformation, the green economy, and new growth drivers.

In particular, in the context of the complex natural disasters and floods in 2025, which caused severe damage in many localities, especially after typhoons No. 12 and No. 13, Agribank proactively and promptly implemented measures to support affected customers in accordance with regulations. Accordingly, Agribank restructured loan repayment terms, provided new loans for production recovery, and reduced interest rates by up to 2% per year, waiving or reducing interest and fees for affected loans; regarding social welfare, Agribank allocated nearly 100 billion VND out of a total of nearly 700 billion VND spent on social welfare activities to support localities and people in overcoming the consequences of natural disasters. Through this, Agribank continues to affirm its role in accompanying and sharing difficulties with people and businesses, contributing to the early stabilization of production, business, and livelihoods.

Entering a new phase of national development, where the demand for rapid and sustainable growth is increasingly evident, the core capital flow led by Agribank continues to hold strategic significance. With nearly four decades of partnership with the economy, Agribank continues to affirm its position as a reliable financial anchor, contributing to the realization of Vietnam's goals of rapid, sustainable, and inclusive development in the coming years.

Source: https://daibieunhandan.vn/agribank-nhieu-dau-an-quan-important-helps-stimulate-business-and-economic-growth-10406657.html