Vietcombank Ha Tinh accelerates disbursement of capital to support production and business activities.

In the last month of the year, Vietcombank Ha Tinh intensified lending to the manufacturing and business sectors, especially processing industries, trade, services, and small and medium-sized enterprises. This is considered a crucial driving force for Ha Tinh's economy as many businesses are recovering from natural disasters, epidemics, and fluctuating raw material prices.

Simultaneously, Vietcombank is developing green credit, financing sustainable projects, and diversifying its products and services for both individual and corporate customers. The digital banking segment, particularly through the VCB Digibank platform, continues to be strengthened to create a faster, safer, and more convenient channel for accessing capital.

Customers conducting transactions at Vietcombank Ha Tinh .

In 2025, Ha Tinh's agricultural sector suffered significant losses from typhoons No. 5 and No. 10, African swine fever, and fluctuating market prices. Amidst the difficulties faced by agricultural businesses regarding costs and output, Vietcombank Ha Tinh activated numerous long-term and short-term credit packages to support businesses in restoring infrastructure and maintaining stable production chains.

Thien Loc Animal Feed Joint Stock Company (Can Loc commune) suffered damage to its infrastructure after the storm, while reduced market demand slowed down sales. Mr. Than Van Vy, Director of Thien Loc Animal Feed Joint Stock Company, said: “The company needs a large amount of capital to achieve its production target of 1,800 tons of animal feed in December and stabilize the commercial pig farming chain. We have just received an increased credit limit and disbursement of 15 billion VND from Vietcombank Ha Tinh to support production and business. As an agricultural enterprise, we benefit from a fairly preferential interest rate and relatively quick procedures.”

Production line at Thien Loc Animal Feed Joint Stock Company.

Ms. Nguyen Thi Ngoi, Head of Corporate Customer Department (Vietcombank Ha Tinh), said: “Not only small and medium-sized enterprises, the branch is also promoting loan programs for large enterprises, value chain enterprises, export enterprises, and FDI enterprises – groups that play a crucial role in industrial growth and local budget revenue. Vietcombank Ha Tinh is implementing loan programs such as: “Competitive Interest Rates”, “Interest Rate Assurance” with a scale of VND 270,000 billion; a short-term preferential interest rate package of VND 250,000 billion, an SME credit package of VND 40,000 billion… creating significant resources for the economy. The branch's corporate loan balance is nearly VND 8,000 billion and is forecast to continue to increase strongly in the last month of the year.”

In the business household segment, the need for additional capital to prepare goods for Tet has increased dramatically. Loan packages for small traders with preferential interest rates were launched at the right time, meeting the working capital needs well.

According to Ms. Nguyen Thi Giang (Thanh Sen ward): In the consumer goods business, the family has just borrowed more capital to expand the distribution source. Since starting the business, Vietcombank Ha Tinh has been the capital support that has helped the family increase the scale of the business, with revenue reaching tens of billions of VND/year.

Vietcombank Ha Tinh also launched many credit programs to meet year-end consumer needs.

Targeting individual customers, Vietcombank Ha Tinh recorded strong growth in loans for home purchases, car purchases, and consumer spending at the end of the year. Besides traditional secured loans, many workers with stable incomes chose unsecured loan packages when receiving their salaries through Vietcombank – a product suitable for younger customers.

According to Ms. Nguyen Thi Hanh – Head of Retail Customer Department (Vietcombank Ha Tinh): The branch proactively adjusts credit according to each period, focusing on potential segments and optimizing the appraisal process to shorten disbursement time. Preferential loan packages are implemented synchronously, helping businesses solve cash flow difficulties at the end of the year and stimulate personal consumption.

Despite aggressively expanding lending, the branch has maintained good credit quality. The branch's total outstanding loans currently stand at VND 18,500 billion; the ratio of non-performing loans and loans in category 2 continues to be controlled at a low level. The stable loan quality demonstrates the branch's ability to assess and monitor capital flows and correctly target customer segments. In the context of a volatile economy, keeping the non-performing loan ratio low helps Vietcombank Ha Tinh ensure its financial health and create room for growth in the new year.

Vietcombank Ha Tinh's outstanding loan balance currently exceeds 18,500 billion VND.

Forecasts for 2026 indicate continued stable loan growth thanks to a strong recovery in credit demand, particularly in the production and consumption sectors. With a robust risk management foundation and flexible customer care policies, Vietcombank Ha Tinh strives to maintain its role as one of the leading credit providers in the local banking system.

Source: https://baohatinh.vn/vietcombank-ha-tinh-tang-toc-giai-ngan-von-phuc-vu-san-xuat-kinh-doanh-post300915.html