Agribank deploys key solutions to manage business operations in the last two months of 2025

Recently, the Agribank Board of Directors held a regular meeting, agreeing on key solutions to manage business activities in the last two months of the year, orienting the 2026 plan with a proactive, decisive spirit, making high-level efforts, creating a strong momentum for the entire system to break through to the finish line safely, effectively and sustainably.

Proactively source capital, maintain liquidity, and provide timely capital to the economy.

In the November 2025 Agribank Executive Board meeting, with the urgent and fierce atmosphere of the sprint, Agribank General Director Pham Toan Vuong emphasized, "This is a decisive stage, requiring the entire system to promote the highest spirit of solidarity, discipline, and responsibility to reach the finish line safely, effectively, and sustainably". The General Director requested units to closely follow actual developments, correctly assess the situation, proactively build flexible operating scenarios, suitable for each time and location; at the same time, ensure safe liquidity, strictly control credit quality, promote capital mobilization, develop modern products and services, effectively handle bad debts and accelerate digital transformation - striving to comprehensively complete the political tasks of 2025, creating a solid foundation for the 2026 plan.

On that basis, at the meeting, the Agribank Executive Board focused on comprehensively assessing and analyzing the business, financial, capital mobilization and credit situation of the entire system. In the context of facing many difficulties, challenges, large workloads and the need to handle many regular as well as sudden and arising tasks, Agribank maintained the spirit of solidarity, unity, high determination, with innovative thinking, timely and effective leadership and direction.

In addition, the tasks have been implemented synchronously, resolutely, and focusedly in all areas of operation, thereby achieving many outstanding results. As of October 30, 2025, mobilized capital reached 2.3 million billion VND, an increase of 12.6% compared to the beginning of the year; total outstanding loans to the economy reached over 1.94 million billion VND, an increase of 12.9% compared to the beginning of the year, with growth concentrated in a number of key sectors: consumption, agriculture, forestry, fisheries, processing and manufacturing industry; wholesale, retail...

Notably, the growth rate and outstanding debt ratio of the wholesale and retail sector decreased in line with the direction of regulating capital sources for priority sectors and effective production and business. Operational safety indicators were ensured according to regulations, capital structure remained stable and reasonable. These results demonstrate the trust of customers and partners in Agribank - the leading State-owned commercial bank playing a key role in implementing monetary policy and serving the country's economic development.

Agribank General Director Pham Toan Vuong gave a speech at the meeting. Photo: PV

This Agribank Executive Board meeting also focused on comprehensively analyzing factors affecting the monetary market, liquidity, interest rates and credit demand of the economy in the context of the last months of the year often recording high capital demand. Based on a close assessment of actual developments, the Executive Board agreed on flexible management orientation, proactively balancing capital sources, ensuring safe liquidity, and at the same time tightly controlling credit risks, promoting focused, key and sustainable credit growth.

The Board of Directors believes that in the context of the economy still facing many potential fluctuations, Agribank's proactive analysis, early forecasting and smooth management of major balances have clearly demonstrated the mettle of a leading institution, always pioneering and accompanying the country's sustainable development. This is an important basis to help Agribank maintain stability, comprehensively complete the 2025 plan, and at the same time create a solid foundation for the new development stage in 2026 and the following years.

Overview of Agibank's Executive Board meeting in November 2025. Photo: PV

Accompanying customers to overcome the consequences of storms and floods

Within the framework of the meeting, the Agribank Executive Board paid special attention and promptly grasped the damage caused by storm No. 12 and prolonged floods in the Central Highlands provinces. According to the reports sent by branches to the Head Office, as of November 2, 2025, there were approximately 13,300 customers affected with a total outstanding debt of more than VND 12,000 billion, of which the estimated damaged debt was about VND 4,000 billion. Currently, Agribank branches in the affected areas are actively coordinating with local authorities and customers to assess the situation, complete statistics and propose appropriate support solutions according to regulations, helping customers overcome difficulties soon. Especially, in the city. In Hue and Da Nang - the two most heavily affected areas, Agribank branches are focusing on repairing facilities, ensuring safe transaction activities, and supporting people to soon stabilize their lives and restore production and business, clearly demonstrating the role, responsibility and spirit of companionship of Agribank with the community during difficult times.

In order to promptly share difficulties and support customers to borrow capital to quickly restore production and business, overcome the consequences of natural disasters caused by Storm No. 12 and post-storm floods, Agribank has reduced the current loan interest rate by 0.5%/year, and will not collect late payment interest and apply an overdue interest rate equal to 100% of the interest rate in the term from November 1, 2025 to December 31, 2025. Depending on the level of damage and customer characteristics, branches will coordinate with units at the Head Office to propose to the General Director to consider reducing interest rates higher, up to a maximum of 2%/year. In parallel with the loan interest rate reduction policy, Agribank has also synchronously implemented many other support solutions such as: restructuring debt repayment terms; exempting and reducing loan interest; continuing to provide new loans with preferential interest rates, helping customers restore production and business activities and stabilize their lives after natural disasters.

The Board of Directors - Deputy General Directors of Agribank spoke and discussed at the meeting. Photo: PV

Along with interest rate reduction support, since the beginning of 2025, Agribank has spent more than 60 billion VND to support the work of overcoming the consequences of natural disasters, out of a total of more than 400 billion VND that the bank has spent on social security activities for the community across the country. These practical actions demonstrate Agribank's social responsibility, humanitarian spirit and commitment to accompany people to overcome difficulties, stabilize their lives and quickly restore production after natural disasters.

Concluding the Conference, Agribank General Director Pham Toan Vuong requested units in the entire system to continue to comprehensively review the objectives and tasks, and organize implementation to ensure efficiency and progress. At the same time, assign tasks according to the "6 clear" principle: clear people, clear work, clear time, clear responsibility, clear authority, clear products, thereby strengthening unity, consensus and responsibility in the entire system.

Mr. Pham Toan Vuong emphasized that in the coming time, the whole system needs to closely follow market developments, flexibly manage and control outstanding debt growth with focus and key points, prioritizing capital for production and business, and the agricultural and rural sectors. Strengthen strict control of credit quality, monitor hot growth subjects and sectors, promptly identify and prevent risks in potential areas, manage interest rates reasonably, and credit targets scientifically and effectively. Units need to promote stable capital mobilization, reasonable costs, expand cooperation with partners, corporations, and large corporations; deploy year-end bonus savings products, issue bonds and money market instruments to ensure safe and sustainable liquidity. Agribank continues to implement policies to waive and reduce interest and fees to support customers affected by natural disasters, storms and floods; Strictly implement financial plans, carefully prepare for year-end settlement, create a solid financial foundation for the 2026 plan.

Source: https://daibieunhandan.vn/agribank-trien-dei-cac-giai-phap-trong-tam-dieu-hanh-hoat-dong-kinh-doanh-hai-thang-cuoi-nam-2025-10394515.html