Immediately after the Prime Minister's Official Dispatch No. 215/CD-TTg and Official Dispatch No. 10328/NHNN-TD of the State Bank of Vietnam, Agribank Binh Dinh decided to reduce the loan interest rate by 0.5-2%/year, not collecting late payment interest for existing outstanding loans in both VND and USD as of November 19, 2025 for customers (excluding loans applying other preferential interest rate programs at the Branch).
At the same time, adjust the overdue interest rate to 100% of the in-term loan interest rate, applicable from November 19, 2025 to February 18, 2026.
For new loans arising from November 19 to December 31, 2025, Agribank Binh Dinh reduces the loan interest rate by 0.5%/year compared to the interest rate applied at the time of disbursement, applicable for a maximum of 6 months from the date of disbursement, to reduce financial pressure on people and businesses in the early stages of reconstruction after natural disasters.
“All branches and credit transaction offices are actively coordinating with authorities at all levels and socio-political organizations to review and grasp loan needs and promote loans for people and businesses. The bank is committed to simplifying procedures, ensuring customers can borrow money as quickly as possible,” said Mr. Nguyen Huu Cau, Director of Agribank - Binh Dinh Branch.
Along with the aim of helping customers rebuild after natural disasters, Bac A Bank - Binh Dinh Branch is also focusing on bringing a credit package of 3,000 billion VND to customers.
With this loan package, Bac A Bank reduces interest rates by up to 1%/year compared to current incentive programs, to address the most urgent needs of customers today such as: supplementing working capital to maintain production, paying workers' salaries and investment capital to repair damaged fixed assets.
Meanwhile, Nam A Bank - Binh Dinh Branch reduces loan interest rates by up to 2%/year for both individual and business customers affected by storms and floods, applicable until the end of February 2026 and exempts all fees for customers when making credit transactions with Nam A Bank.
In addition, this bank also increased the loan limit to 85% of the value of the collateral and applied a principal grace period of up to 12 months, helping customers "breathe easier" in balancing cash flow to repay loans.
Mr. Hoang Quang Khai - Director of Nam A Bank - Binh Dinh Branch - informed: "We proactively connect and inform people and businesses about preferential credit packages, at the same time advise and guide loan processes and procedures, ensuring that customers do not have to wait long."
The list of banks reducing loan interest rates to support people and businesses to overcome the consequences of natural disasters is getting longer with the participation of VPBank - Binh Dinh Branch, VietinBank Binh Dinh... with different levels of support.
The simultaneous reduction of loan interest rates by many banks and their commitment to creating favorable conditions for customers to borrow capital will help businesses reduce financial pressure, focus on recovering from natural disasters, and soon stabilize production and business.
Mr. Phan Hong Quy - Director of Hoang Giang Trading Company Limited in Phu Tai Industrial Park, a unit specializing in manufacturing rattan products and finishing wooden furniture products for export - said: The recent storm and flood damaged 4/5 of the company's factories, with estimated damage of about 35 billion VND.
"While we are mobilizing all resources to restore production to meet the order schedule for partners, the fact that banks are considering debt restructuring, extending repayment periods and providing new loans with low interest rates is truly vital. This is a great motivation for businesses to recover after natural disasters," said Mr. Quy.
Mr. Nguyen Tra Duong - Deputy Director of the State Bank - Branch XI - said: The branch continues to request commercial banks in the province to restructure debt repayment terms, waive and reduce interest and fees for customers affected by natural disasters.
At the same time, quickly design and deploy credit packages with interest rates lower than normal lending rates to serve the restoration of production and business.
Source: https://baogialai.com.vn/gia-lai-ngan-hang-chia-se-dong-hanh-cung-doanh-nghiep-sau-thien-tai-post574198.html
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