The perfect picture
Having overcome a challenging year, Agribank has made its mark in all aspects of its operations; maintaining its leading position in the rural financial market and its vital role in the national economy. And "The achievements of 2025 have created important momentum for 2026," affirmed Chairman of the Board of Directors To Huy Vu.
Agribank has made its mark in many aspects of its operations.
As of December 31, 2025, Agribank's total assets reached over VND 2.6 trillion, an increase of 20.3% compared to the end of 2024; mobilized capital reached VND 2.35 trillion, an increase of 17.6%, a high growth rate clearly reflecting Agribank's market appeal and increasingly strengthened reputation.
During the period 2020-2025, Agribank allocated over 2,819 billion VND to social welfare activities. In 2025 alone, Agribank will dedicate approximately 700 billion VND to these activities, including about 100 billion VND to support disaster relief efforts...
Credit outstanding recorded a breakthrough growth, approaching the 2 trillion VND mark, an increase of 14.7%, demonstrating the effective implementation and positive capital absorption capacity of the economy in the context of a volatile business environment; the on-balance sheet non-performing loan ratio decreased to 1.14%; the non-performing loan ratio under the restructuring plan is approximately 1.2% - this is the lowest level in 13 years since Agribank implemented the first phase of the restructuring plan (in 2013).
This result affirms the decisive leadership, organizational implementation, and operational capacity of Agribank. Furthermore, financial efficiency continues to be strengthened; all key indicators have met the set targets, creating a solid foundation for safe, efficient, and sustainable development of the entire system.
Furthermore, Agribank has aggressively and comprehensively implemented major, key solutions, achieving clear effectiveness in all areas, from governance and management, risk management, inspection, supervision, and compliance control to network restructuring, organizational streamlining, improving human resource quality, asset quality, product and service development, and modernization of information technology systems and digital transformation.
Contributing to the modernization of rural areas.
With over 2,300 transaction points covering 100% of communes nationwide, Agribank currently offers over 200 modern, convenient, and secure financial products; established more than 64,000 effectively operating loan groups; installed more than 3,500 ATMs/CDMs (of which nearly 2,000 are located in rural areas), along with nearly 20,000 POS machines to facilitate cashless payments, providing capital and products and services to all customer segments, anytime, anywhere, including remote areas and islands.
This provides a solid foundation for modernizing financial transactions in rural areas; and also serves as a basis for Agribank to promote national financial inclusion for the goal of poverty reduction and rural development.
Agribank strives to contribute to the modernization of rural areas.
With its strong network and position, Agribank has always been a pioneer and key implementer of the Government's key credit policy programs such as: lending for the 1 million hectare high-quality, low-emission rice project in the Mekong Delta; implementing the VND 20,000 billion credit package for the forestry and fisheries sectors; and the VND 50,000 billion preferential credit package to support "high-tech agriculture , clean agriculture" for public health.
In 2025, Agribank's credit rating will be maintained at Ba2 - Stable by Moody's; it will be among the Top 100 largest enterprises in Southeast Asia; the only commercial bank to be honored with the Glory of Vietnam 2025 award; 4 Outstanding Vietnamese Banks Awards; 6 Sao Khue Awards; Top 10 most valuable brands in Vietnam; Strong Brand of Vietnam 2025; Top 10 most reputable commercial banks in Vietnam; Top 100 green enterprises and Top 10 green ESG enterprises in Vietnam 2025 in the banking sector; Sustainable Development Award 2025…
At the same time, Agribank also prioritizes expanding investment in environmentally friendly sectors such as renewable energy, industry, and infrastructure; Agribank played a crucial role in Vietnam's first carbon credit sale transaction, valued at nearly $51.5 million, contributing to the realization of sustainable development commitments towards the country's green transformation goals.
2025 also marks the successful implementation of Resolution No. 57-NQ/TW, dated December 22, 2024, of the Politburo on breakthroughs in the development of science, technology, innovation, and national digital transformation. This includes promoting comprehensive digital transformation through technology investment, digital product development, infrastructure upgrades, security improvements, and human resource training, aiming towards a smart, safe, efficient, and nationally integrated digital financial ecosystem.
Agribank is gradually contributing to the nationwide effort to build a modern rural area. For example, Agribank has developed remote account opening and verification via VNeID digital identification; issued over 9 million accounts and 12 million cards in rural and remote areas; helped 500,000 vulnerable people receive monthly allowances through their accounts; and disbursed over 210 trillion VND through its insurance-banking linkage system.
Agribank currently serves the payment needs of over 23.2 million account holders and approximately 3 million loan customers; about 95% of Agribank's transactions are now conducted through digital channels, and 47% of customers use digital services.
Ready for the next race!
Entering 2026 – a year of special significance, the first year of implementing the Resolution of the 14th National Congress of the Communist Party of Vietnam and the 5-year socio-economic development plan for 2026-2030 – is also a time when the country faces new opportunities and prospects to enter a stage of rapid, sustainable, prosperous, civilized, and happy development, steadily advancing towards socialism.
Agribank is ready to support the "Three Rural Issues" (agriculture, farmers, and rural areas).
Against this backdrop, the banking sector, including Agribank as the lifeblood of the economy, continues to demonstrate a proactive, flexible, and decisive approach in its management, making significant contributions to macroeconomic stability, inflation control, promoting double-digit growth, ensuring major economic balances, and gradually improving the material and spiritual lives of the people.
Agribank has focused on comprehensively assessing and analyzing the economic and monetary context in the first months of 2026, clearly identifying factors affecting the money market, liquidity, interest rates, and credit demand of the economy in order to meet immediate tasks and create a key foundation for effectively implementing development goals in the pivotal year of 2026 and the subsequent period.
To comprehensively fulfill the political tasks for 2026 and the goals for the entire term, based on the guidance of the State Bank of Vietnam, the Party Committee and Board of Directors, headed by Chairman To Huy Vu, Agribank General Director Pham Toan Vuong requested the entire system to urgently activate a new state, with a proactive spirit, high readiness, great effort, decisive action, and tangible effectiveness, linked to the responsibility of the head of each unit, focusing on the main tasks and solutions that need to be implemented immediately in the first quarter of 2026.
First, expedite the review, completion, and assignment of the 2026 business plan, ensuring it is proactive, appropriate, and feasible from the beginning of the year; promptly implement interest rate policies, FTP mechanisms, products, and customer policies; strengthen coordination among operational, technology, and payment units to ensure the system operates safely and smoothly 24/7, especially during the Lunar New Year; tighten discipline and order, strengthen inspection and supervision, prevent risks, and avoid errors or incidents that could affect Agribank's operations and reputation.
In addition, we will implement practical and effective customer appreciation activities, strengthen customer care and retention for traditional customers, and develop new customers; at the same time, we will organize activities and emulation movements linked to political tasks, creating a vibrant atmosphere throughout the system, leading up to the important national event and celebrating the 14th National Congress of the Communist Party of Vietnam.
Source: https://daibieunhandan.vn/agribank-san-sang-tam-the-cho-chang-duong-moi-10406859.html
Comment (0)