"Launching" a series of attractive credit packages, Agribank Ha Tinh II's outstanding debt grows strongly

(Baohatinh.vn) - The economic recovery along with the implementation of many attractive credit programs has created momentum for the outstanding debt of Agribank Ha Tinh II Branch to grow by more than 13% compared to the beginning of the year.

Based on the identification of advantages and difficulties in credit development, from the beginning of 2025, the Vietnam Bank for Agriculture and Rural Development ( Agribank ) Ha Tinh II Branch has developed a credit growth project for the entire branch and type II branches. Accordingly, credit growth targets are linked to effective and practical implementation solutions. In particular, the branch "launched" a series of attractive credit packages of Agribank, attracting the attention of individual customers such as: green credit loan program, short-term loans with preferential interest rates for customers serving business activities, home loan policy program for young customers, loan program for young people under 35 years old to buy social housing...

For corporate customers (enterprises), Agribank Ha Tinh II Branch is also "running" credit packages such as: short-term loans in 2025, preferential loans to finance investment projects for science and technology in 2025...

In the first half of 2025, Agribank Ky Anh's credit growth was nearly 400 billion VND.

With the implementation of diverse credit programs, in the first half of 2025, Agribank Ky Anh had positive growth in outstanding loans with total outstanding loans currently reaching VND 2,600 billion, an increase of nearly VND 400 billion compared to the beginning of the year. Credit growth goes hand in hand with credit quality control, so the unit's bad debt and overdue debt account for a very low rate.

In practice, the recovery and development of the economy and the implemented projects have created growth momentum for Agribank Ky Anh in recent times.

According to the representative of Ky Anh Urban Environment Joint Stock Company, the company is currently implementing the project to build Ngoi Sao Xanh Kindergarten - Nguyen Trong Binh High School in Song Tri Ward. With the goal of contributing to the development of the education sector, the project is being lent tens of billions of VND by Agribank Ky Anh, creating favorable conditions for investors to implement the project according to the established plan.

Mr. Nguyen Minh Khue - Director of Agribank Ky Anh said: Based on the credit project assigned by the Head Office, the branch has assigned specific tasks to each officer and employee to grasp the locality, exploit the maximum credit growth potential; proactively coordinate with local authorities at all levels to bring capital to the people quickly and conveniently. With the simultaneous implementation of 12 credit packages for corporate and individual customers, including a credit package with an interest rate of only 4.5%/year, it has created attraction for customers. Currently, the branch continues to closely follow the base to increase credit growth, promote lending to enterprises, cooperatives, and business households. In particular, with the two-level local government model officially coming into operation from July 1, 2025, the branch has coordinated and promoted for localities to pay salaries to employees through Agribank in conjunction with implementing overdraft loan packages, creating momentum for growth in consumer debt.

Nguyen Lam Production, Trade and Service Cooperative (Ky Anh commune) received a loan of billions of dong from Agribank to invest in production and business.

Agribank Cam Xuyen also recorded impressive credit growth in the first 6 months of the year. Mr. Tran Hau Long - Deputy Director of Agribank Cam Xuyen informed: The economy recorded a strong recovery and development, leading to an increase in demand for investment loans in all economic sectors: industry, agriculture, trade and services, tourism... In addition, consumer credit also grew quite well due to the essential needs of the people. At the same time, the real estate market showed clear signs of "warming up", so credit in this area also recorded growth. Accordingly, by June 30, 2025, Agribank Cam Xuyen's outstanding debt reached 3,940 billion VND, an increase of 12% compared to the beginning of the year. It is worth mentioning that in 2025, the branch was assigned by the headquarters to increase credit growth by 430 billion VND and in the first half of the year, it completed the yearly plan.

Agribank Cam Xuyen staff grasp customers' investment situation.

With the goal of safe and effective credit growth, serving the development of "agriculture, rural areas", in the coming time, Agribank Ha Tinh II Branch will continue to promote communication of preferential credit programs serving production - business, consumption; continue to closely coordinate with local authorities at 2 levels to grasp the thoughts and aspirations, bring capital to the grassroots, serving local socio-economic development.

According to Mr. Vo Minh Manh - Deputy Director of Agribank Ha Tinh II Branch: The Branch Board of Directors has directed the Type II branches to change their perspective on loan growth according to the year-end cycle and focus on loan growth right from the beginning of the year with scientifically developed solutions, implemented synchronously and effectively. It is worth mentioning that credit growth right from the beginning of the year not only helps customers access investment loans early, but also helps the bank increase credit scale faster, control loan quality, and not increase rapidly or chase targets at the end of the year. Therefore, in the first half of 2025, many affiliated branches (type II branches) have reached the credit target for the whole year of 2025. Accordingly, the total outstanding debt of Agribank Ha Tinh II Branch as of June 30, 2025 reached VND 18,348 billion, an increase of VND 2,204 billion compared to the beginning of the year (growth rate of 13.65%), reaching 127% of the plan assigned by the Central Government.

Agribank Ha Tinh II Branch continues to increase capital resources to serve production and business, priority areas.

Although the economy has recorded recovery and development, due to the impact of military war and trade war in the world, it is forecasted that in the second half of 2025, the business community and people of Ha Tinh will face many difficulties and challenges.

With the spirit of accompanying and sharing difficulties with customers, Agribank Ha Tinh II Branch proactively grasps market developments, surveys customers' loan needs, brings capital to the right address, and promotes efficiency. In addition, the unit continues to reform administrative procedures, creating favorable conditions for customers to access credit capital, creating conditions to increase credit limits for qualified customers; continue to increase investment capital for agricultural and rural projects, priority areas, and growth drivers of the economy under the direction of the Government, the State Bank of Vietnam and Agribank.

Source: https://baohatinh.vn/tung-loat-goi-tin-dung-hap-dan-du-no-agribank-ha-tinh-ii-tang-truong-manh-post291377.html