Affirming the key role in investment in developing "agriculture, rural areas"

In the strong transformation journey of the southern countryside of the province today, Agribank Hoa Binh Branch and its affiliated units have become a trusted companion of farmers, who are in most need of trust, resources and opportunities to rise up and get rich on their homeland, especially after the province's merger.

Bank of the farmer.

In the last days of autumn, Cao Phong commune is filled with the scent of oranges. Among the fruit-laden gardens, Ms. Bui Thi Huong, a long-time orange grower, could not hide her joy when talking about the new crop. “Without the loan from Agribank Hoa Binh Branch, my family would not have been able to replant thousands of square meters of oranges like before,” she said.

A few years ago, Ms. Huong’s family’s orange garden suffered from soil degradation and decreased productivity. The couple was forced to cut down all the old trees and switch to growing bananas to improve the soil. “That was a very difficult time, relying mainly on banana trees, while the cost of reinvesting in orange trees until harvest was very large,” she recalls.

When she had access to preferential loans from Agribank Hoa Binh Branch, her family was able to restore the orange garden. “Bank staff came to the site to guide the procedures, disbursed the loan on time, helping my family reinvest in time. Now the orange garden is green again, entering the new harvest season,” said Ms. Huong.

Ms. Huong's case is just one of tens of thousands of farming households in the southern region of the province that have been and are being accompanied by Agribank. According to data as of September 30, 2025, the total capital of Agribank Hoa Binh Branch reached more than 13.1 trillion VND, an increase of more than 1.2 trillion VND (10.2%) compared to the end of 2024. Total outstanding loans reached more than 15 trillion VND, an increase of 1.3 trillion VND (9.6%), of which outstanding loans for the agricultural and rural sectors accounted for 68.6% of total outstanding loans.

Currently, Agribank Hoa Binh Branch is serving nearly 47,900 individual customers and more than 350 corporate customers, most of whom are farming households, cooperatives, and small and medium enterprises. These capital flows have helped restore many agricultural production models, develop traditional craft villages, expand household economies , and create stable jobs for thousands of workers in rural areas.

Not only lending for production, recently, Agribank Hoa Binh Branch has also implemented a special preferential credit program from October 1 to December 31, 2025, reducing interest rates by up to 2%/year for customers with outstanding loans at the Head Office and type II branches. This is a strong move demonstrating the commitment to "sharing benefits, accompanying people and businesses", in the context of many economic fluctuations.

“We hope that customers will reduce financial pressure, feel secure in investing in production, and expand their business scale,” said a representative of Agribank Hoa Binh Branch. “Reducing interest rates is not only an economic policy, but also a concrete action demonstrating social responsibility, helping rural areas develop sustainably.”

The units under Agribank Hoa Binh Branch not only expand their network, but also bring modern services to the villages. Many products such as E-Mobile Banking, Internet Banking, ATM cards... or mobile transaction points using specialized cars have helped thousands of households in the highlands access official financial services.

Thanks to this convenience, cashless payments are spreading rapidly in the farming community. “I transfer money right after selling grapefruit, it’s quick and easy, no worries about loss,” said Nguyen Van Phuc in Tan Lac commune.

People in Cao Phong orange growing area (Phu Tho) are entering the new harvest season.

Spreading human values ​​in every loan

Agribank Hoa Binh Branch always determines that credit investment must be focused, key and targeted. The affiliated branches closely follow the socio-economic development orientation of the province, prioritizing capital for high-tech agriculture, small and medium enterprises, export processing, supporting industries, and especially the field of agricultural and rural development.

Ms. Nguyen Thi Ngoc Dung, Deputy Director of Agribank Hoa Binh Branch, affirmed: “We are committed to preparing adequate capital, innovating lending methods, improving processes, and reducing administrative procedures to save costs for customers. All are aimed at supporting sustainable agricultural and rural development and improving people's lives.”

At the same time, the bank has also implemented a series of policies to restructure debt repayment terms, waive and reduce interest rates, provide new loans, and support people and businesses affected by epidemics, natural disasters, or economic fluctuations. These policies have truly become a "lifesaver", helping thousands of production households overcome difficulties and maintain growth momentum.

Not only the number of tens of thousands of billions of VND or the credit growth rate, what Agribank Hoa Binh Branch aims for is the human value in each loan. Each approved application not only has economic significance, but also a belief in the efforts and diligence of farmers.

Agribank Hoa Binh Branch - the key bank in supporting capital for agricultural development in the southern region of the province

Credit officers not only sit at the transaction counter, but also regularly “go to the field”, to the fields, farms, and factories to learn about real needs. It is this closeness that helps the bank understand and choose the appropriate support plan for each subject. From small loans of tens of millions of VND to projects of hundreds of millions, even billions of VND, all contribute to creating a more dynamic and modern agricultural picture in the southern part of the province.

Likewise, thanks to Agribank’s capital, many localities in the region have completed the criteria for advanced new rural areas. The transportation system, schools, irrigation, and electricity have been invested synchronously, contributing to significantly improving the quality of life of the people.

Looking back on the past, it can be seen that Agribank Hoa Binh Branch is not only a simple credit institution, but has become a companion of farmers and small businesses. From preferential capital, hundreds of effective production models have been built, contributing to creating a new look for agriculture and rural areas in the southern region of the province.

With over 15 trillion VND in outstanding loans, Agribank Hoa Binh Branch continues to affirm its leading role in investing in the development of "three rural areas", making an important contribution to the economic restructuring, improving income and quality of life of the people. The green fields and fruit-laden orchards today show the belief in a new Phu Tho province with new, modern, prosperous and sustainably developed countryside.

Hong Trung

Source: https://baophutho.vn/khang-dinh-vai-tro-chu-luc-trong-dau-tu-phat-trien-tam-nong-241915.htm