Agribank promotes the export of Vietnamese fruits and vegetables.

In the first 10 months of 2025, lending capital to the fruit and vegetable industry from banks in general, and Agribank in particular, experienced strong growth, making a significant contribution to the export of billions of USD worth of key fruits and regional specialties to the world. It is projected that, with this momentum, the fruit and vegetable industry could surpass the $8 billion export mark this year.

Forming a closed production chain

According to Agribank branches in Vinh Long province, lending activities for the development of coconut raw material areas in localities have developed very strongly since the beginning of the year. Large coconut production cooperatives such as An Thoi Coconut Cooperative have accessed tens of billions of VND in preferential interest rate loans (reduced by 1.5% per year compared to normal lending rates) to invest in upgrading coconut gardens, replacing old coconut varieties with new varieties that have higher productivity and quality, or renovating old coconut gardens.

Agribank's capital plays a crucial role in bringing Vietnamese agricultural products to the world . Photo: Agribank

According to Nguyen Thi My Hoa, Deputy Director of Agribank Ben Tre , to meet the production needs of farmers, the bank has proactively supported them in establishing loan applications, developing production plans, and planning for product procurement and consumption. The bank also acts as a bridge, helping businesses implement linked lending through the coconut industry value chain. Through this bridge, closed-loop production loan chains, such as the coconut production-processing-export chain between Beinco Company and farmers and cooperatives, have been established and developed strongly. Ms. Hoa said that thanks to preferential loans from the bank, thousands of households in Song Loc commune (Vinh Long province) have now developed over 1,500 hectares of specialty wax coconuts. Some businesses, such as Phat Dang Co., Ltd., have invested heavily in imported ice cream making machines, freeze-drying machines, cold storage, and factories meeting international standards.

Besides coconut trees, other specialty fruit growing areas such as durian, passion fruit, pineapple, and banana in Vinh Long, Dong Thap, Can Tho, and An Giang provinces are also receiving tens of billions of dong in preferential interest rate loans from the banking system.

Statistics from the State Bank of Vietnam's Regional Branch 13 show that outstanding loans to the fruit and vegetable sector in Tay Ninh and Dong Thap provinces reached approximately VND 17,700 billion by the end of October 2025, an increase of 34.4% compared to the end of 2024. Loan capital from banks has reached nearly 172,500 customers; mainly for the purpose of expanding orchards, purchasing, and processing specialty fruits.

In Can Tho and Vinh Long provinces, by the end of October 2025, outstanding loans for the fruit and vegetable industry reached approximately VND 14,400 billion, an increase of 17.92% compared to the end of 2024. Overall, in the Mekong Delta region, outstanding loans for the production, procurement, processing, and export of fruits and vegetables currently stand at approximately VND 35,000 billion. This capital has supported many businesses in investing in modern technology, diversifying products, and meeting the demands and standards of international markets.

Boosting competitive advantage

According to the Vietnam Fruit and Vegetable Association (Vinafruit), by the end of October 2025, the export value of the country's fruit and vegetable sector is estimated to reach over 7 billion USD. The association predicts that if international markets remain favorable in the remaining weeks of 2025, the fruit and vegetable sector could surpass 8 billion USD in exports and reach 10 billion USD within the next few years.

According to Vinafruit General Secretary Dang Phuc Nguyen, besides durian, other specialty fruits such as bananas, mangoes, jackfruit, coconuts, pineapples, pomelos, and passion fruit are currently experiencing strong export growth in markets such as China, the United States, the EU, Australia, and South Korea. The Ministry of Agriculture and Environment is currently focusing resources on developing a pilot project to establish standardized agricultural and forestry raw material areas for the period 2022-2025, including two fruit raw material areas in Son La and the Dong Thap Muoi region.

In addition, localities such as Ninh Binh, Thanh Hoa, Quang Nam, Dong Thap, An Giang, etc., are also actively implementing sustainable development of many types of fruits with export potential worth billions of USD, such as coconuts, pineapples, and passion fruit, with the goal of building raw material areas ranging from 12,000 to 210,000 hectares.

In fact, Agribank's system is currently the main provider of loans for the project to build five standardized agricultural raw material zones. By the end of the third quarter of 2025, Agribank had approached dozens of businesses and most cooperatives participating in the project to provide preferential loans. Some large enterprises, such as An Giang Fruit and Vegetable Foodstuff Joint Stock Company, have borrowed over 800 billion VND in short-term capital in the past quarters to process, export, and operate linkage models.

Besides Agribank, the preferential credit program for the agriculture, forestry, and fisheries sector (credit package of VND 185,000 billion) has currently attracted the participation of 15 banks nationwide, with loan disbursements exceeding VND 100,000 billion (as of mid-2025). Many of these loans are allocated to businesses in the fruit and vegetable export sector. This indicates that, with the strong growth rate of the fruit and vegetable industry, outstanding loans to this sector will continue to grow positively, supporting the development of deep processing industries and the restructuring of key export products in localities.

Source: https://daibieunhandan.vn/agribank-thuc-day-xuat-khau-rau-qua-viet-10400211.html