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| Agribank staff in Nghia Hung district promote and introduce preferential credit programs to customers. |
In Nghia Hung district, Agribank district branch has proactively seized opportunities, flexibly directed and managed all staff and employees to unite, focus all resources, resolutely and synchronously implement business tasks and solutions; strive to complete and surpass all business plan targets for 2025. By April 30, 2025, the total mobilized capital at the branch reached VND 2,394 billion, an increase of VND 141 billion compared to the beginning of the year, completing 100% of the annual plan. Total outstanding loans at the branch reached VND 1,511 billion, an increase of VND 68 billion compared to the beginning of the year (4.7%). Loan turnover from the beginning of the year to April 30, 2025 reached VND 983 billion, VND 349 billion higher than the same period in 2024. The number of borrowers reached 3,493 customers. Outstanding loans for agriculture and rural areas reached VND 1,488 billion, accounting for 98% of total outstanding loans. Thanks to the system of transaction offices and a network of 148 lending groups covering all communes and towns, the "three-agricultural" capital flow continuously flows into the district's economic spearheads such as high-tech agricultural development, agricultural production linked to product value chains, industrial - handicraft development, trade - services... In addition, Agribank Nghia Hung District Branch has had very practical policies, supporting people to borrow capital to reduce difficulties, develop production and business, such as: Simultaneously reducing interest rates for medium and long-term loans; there have been many times of reducing new loan interest rates, many preferential interest rate packages for individual and corporate customers such as the preferential loan package for individuals of VND 11 trillion and the preferential loan package for corporate customers of VND 20 trillion. From preferential capital from Agribank Nghia Hung district, hundreds of thousands of households in the district have actively developed their economy, become rich legitimately, and created more stable jobs with good income for local workers.
We visited the family of Mr. Nguyen Hoang Thu, owner of Thuy Hien garment processing workshop in Hamlet 5 My Son, Nghia Son Commune, a long-time customer of Agribank Nghia Hung District. Mr. Thu shared: “Starting a business amidst countless difficulties in terms of capital and machinery, the 50 million VND borrowed from Agribank district more than 20 years ago has always been engraved in my mind. From a family garment workshop with only 4-5 sewing machines at that time, up to now, the family workshop has grown with the support of Agribank capital. Currently, the workshop has 25 industrial sewing machines and many auxiliary machines such as ironing machines, electric cutting machines, etc. The workshop exports more than 10,000 export fashion clothing products each month; annual revenue reaches more than 5 billion VND. The workshop's credit limit has also been increased by Agribank to more than 2 billion VND, the loan procedures are convenient and quick, helping the workshop to always be proactive in capital for importing raw materials, production and business plans". Mr. Le Van Hop's Hop Hai wood workshop is located on provincial road 490C and is bustling with dozens of workers. Mr. Hop happily said: "Currently, my family has 2 workshops of 800m2 and a raw material warehouse of 500m2, creating stable jobs for 11-15 workers with an average monthly income of 12-14 million VND/person. Each year, the revolving capital demand of the family wood workshop is quite large, from 10-15 billion VND. Fortunately, Agribank in Nghia Hung district always accompanies and creates conditions for the family to borrow capital in a timely and flexible manner, so the production and business activities of the wood workshop are increasingly developing. The workshop's monthly revenue ranges from 1.5-1.7 billion VND". The loan capital is used effectively and for the right purpose, helping many households in Nghia Hung district aim to become millionaires and billionaires; contributing to building an increasingly prosperous homeland.
Not only in Nghia Hung district, over the past 5 years, Agribank Nam Dinh Branch has continued to maintain stable growth in terms of scale, structure, safety in quality and operational efficiency. With a solid financial foundation, Agribank Nam Dinh Branch has become a close friend, always accompanying farmers in rural areas of the province. By April 30, 2025, the total mobilized capital of the Branch reached VND 29,791 billion, an increase of more than VND 9,000 billion compared to the end of 2020. Outstanding loans to the economy reached VND 20,507 trillion, an increase of more than VND 6,000 billion compared to the end of 2020. Of which, outstanding loans to agriculture and rural areas always accounted for more than 75% of total outstanding loans. The total number of customers in the entire Agribank Nam Dinh Branch system reached more than 800 thousand customers, a growth rate of 0.8%/year. Credit quality is guaranteed to be safe, accounting for only 0.3% of total outstanding loans. Moreover, to quickly, promptly and best meet the capital needs for rural economic development of farmers, Agribank Nam Dinh Branch has built a network of transaction offices and transaction points covering all rural areas with 1 provincial office, 9 type 2 branches and 21 transaction offices, 38 CDM/ATM machines in 6 districts and Nam Dinh city. With the efforts of the entire system, the Branch has achieved many achievements recognized and commended by the provincial government and the Central Agribank such as: In 2021, the Branch won the Third Prize of the whole system, in 2022 won the Second Prize of the whole system, in 2023 won the Third Prize for the classification of Class 1 branches in the system, in 2024 won the Second Prize of the whole system and is one of the Branches with the highest outstanding loan growth rate in the national Agribank system.
From Agribank's capital, through the hard-working, diligent and creative hands of farmers, our province's agriculture and rural areas have transformed and developed strongly thanks to breaking the monoculture and strongly shifting the economic structure. Many areas of land have been exploited with diverse potentials to maximize land use efficiency. The countryside has more "billionaire" farmers who not only enrich themselves but also create thousands of jobs with stable income for the people. In particular, the rural socio-economic infrastructure has been gradually modernized, strongly shifting the economic structure associated with the application of high technology in agriculture, rapidly developing industry, services and urban areas according to planning. The ecological landscape environment in many rural areas has "changed its skin", is clean, spacious, and security and order are maintained.
Business growth is inseparable from responsibility towards the social community. For many years, Agribank Nam Dinh Branch has always been one of the leading units participating in the implementation of social security work in the province with many practical and effective activities. In the period of 2020-2025, Agribank Nam Dinh Branch has spent more than 44 billion VND to implement many humanitarian, charitable and social security programs in the province, such as: supporting nearly 20 billion VND to build houses for the poor, supporting more than 8 billion VND to support overcoming the consequences of natural disasters and epidemics, supporting 5 billion VND to build and repair schools, 6.3 billion VND to support scholarships for excellent students in difficult circumstances; more than 4.3 billion VND to visit and give gifts to families with preferential policies and difficult circumstances...
In the coming time, Agribank Nam Dinh Branch will continue to accompany agriculture, farmers and rural areas; implement preferential credit policies, expand the service network, support people to access capital more easily and quickly. Agribank Nam Dinh Branch also commits to pioneering in implementing financial policies of the Party and State, maintaining the role of a key commercial bank in the rural financial market, contributing to realizing the goal: "Prosperous agriculture - Wealthy farmers - Civilized and modern countryside" to build Nam Dinh into a "livable countryside".
Article and photos: Duc Toan
Source: https://baonamdinh.vn/kinh-te/202506/ben-bi-dong-von-tam-nong-xay-dung-nong-thon-moi-cc6142b/
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