Addressing concerns about businesses' access to green financing, Mr. Ha Huy Cuong stated that Nam A Bank has identified digital transformation and green transformation as two strategic pillars in its development activities. Currently, Nam A Bank's green credit outstanding accounts for approximately 10% of its total outstanding loans, significantly higher than the average for the entire banking industry, which is around 4-5%. To develop green credit, Nam A Bank has collaborated with many international financial institutions and investment funds. Not only does it access preferential capital, but the bank also receives technology transfer from partners, helping to build criteria and processes for implementing green credit products for businesses. The bank has built a portfolio to offer to customers, which has been a favorable point for the bank in its implementation over the past period. "In 2025, Nam A Bank organized a Green Finance conference with the participation of more than 100 international investment funds and financial institutions to connect capital with businesses in need. It is expected that in August, the bank will continue to organize a second conference in Ho Chi Minh City to expand cooperation opportunities and attract green capital flows from abroad," Mr. Cuong informed.
The seminar "Green Transformation: What's Needed to Accelerate It?" organized by Thanh Nien Newspaper was held on the morning of June 26th.
PHOTO: INDEPENDENT
According to Mr. Ha Huy Cuong, the areas of green credit that the bank is currently prioritizing for lending include renewable energy and energy saving, high-tech agriculture , projects and programs with prestigious green certifications such as Lotus, EDGE, or LEED, as well as technological innovation and support for products and technologies that improve efficiency and productivity. At the same time, the bank also provides green consumer loans and products with savings ratings of 3 stars or higher. To support businesses in their green transformation, Nam A Bank is implementing financing packages accompanied by preferential interest rate policies, reducing interest rates by 1-2% to support businesses in the transition process.
Sharing further insights at the workshop, Mr. Ha Huy Cuong argued that to accelerate the green transformation process, it is necessary to promote green transformation in the industrial production sector. This is because electricity used in industry accounts for up to 64%, while electricity used in residential areas only accounts for about 36 to 40%. Therefore, the focus should be on greening energy sources for industrial zones, building or transforming existing industrial zones into new-generation industrial zones that are greener and cleaner. "For large industrial zones, there is a need for centralized electricity storage. The development of renewable energy needs to go hand in hand with investment in electricity storage systems. This is a high-cost project with a long payback period, so it requires strong support mechanisms from the State to encourage businesses to invest," Mr. Cuong proposed.
Mr. Ha Huy Cuong also emphasized that the capital needs for development until 2030 are enormous and cannot rely solely on the banking system. According to the resolution, the capital needed for growth from now until 2030 is 48.4 million billion VND, with Ho Chi Minh City alone requiring 6.4 million billion VND. This is a very large sum. Current outstanding credit is nearly 20 million billion VND, reaching only half of the target. Therefore, additional resources from external sources are needed. "Foreign investors and investment funds will look at green projects and projects that reduce emissions to invest and provide loans. Ho Chi Minh City has an International Finance Center, which will be a solution for foreign investors to come. To attract international capital flows, Vietnam needs to build an ecosystem including green businesses, green projects, green industrial parks, and synchronized infrastructure. When there are projects that meet sustainable development standards, international investment funds will be ready to participate, thereby contributing to promoting the green transformation of the economy ," Mr. Cuong suggested.
Source: https://thanhnien.vn/linh-vuc-nao-tiep-can-tin-dung-xanh-voi-lai-suat-thap-hon-tu-1-2-185260626113526642.htm
