VietinBank's leadership at the 2026 Annual General Meeting of Shareholders
Enhancing the role of contributing to sustainable growth.
According to Mr. Le Thanh Tung, a member of the Board of Directors of VietinBank, one of the biggest bottlenecks in the current economy is that the quality of growth is not truly sustainable, while new growth drivers have not yet clearly emerged to play a leading role in the economy in the coming period.
Another key bottleneck mentioned by VietinBank is that the economy's growth still relies heavily on bank credit. According to VietinBank's leadership, although the credit institution system always plays a leading role in supplying capital, over-reliance on this channel poses risks and limits the sustainability of growth.
For the economy to thrive in the long term, it is necessary to develop other capital channels in a coordinated and effective manner, such as the capital market, the corporate bond market, and to attract long-term domestic and foreign investment.
"The fundamental solution is to simultaneously remove institutional bottlenecks, enhance business capacity, develop new growth drivers, and rebalance the financial market structure towards gradually reducing dependence on bank credit, thereby creating a solid foundation for rapid and sustainable growth," Mr. Le Thanh Tung emphasized.
Mr. Le Thanh Tung - Member of the Board of Directors of VietinBank: The bank has been proactively regulating credit to sectors and fields that the Government and the State Bank of Vietnam encourage to develop.
According to VietinBank's leadership, the bank has been proactively regulating credit to sectors and fields encouraged by the Government and the State Bank of Vietnam. The bank focuses on providing credit to key sectors of the economy; guiding capital flows to strategic industries and national key projects and works.
Priority areas include leading state-owned enterprises, transportation infrastructure development, energy, digital transformation, agricultural and rural lending, small and medium-sized enterprises, innovative businesses, and green projects aligned with ESG standards.
As of December 31, 2025, VietinBank's outstanding loans to priority sectors reached VND 597.2 trillion, an increase of over VND 72.4 trillion compared to the end of 2024, equivalent to a 13.8% increase, accounting for over 40% of total outstanding loans.
Prioritize funding for infrastructure, energy, and strategic sectors.
Amidst ongoing cash flow challenges for many businesses, VietinBank announced it will implement a comprehensive set of support solutions tailored to different customer groups.
Accordingly, the bank actively implements credit policies tailored to customer segments based on size and specific industry groups; it develops credit programs with interest rates balanced from the bank's commercial capital to facilitate businesses' access to capital at preferential interest rates, suitable to the economic characteristics of each period.
Mr. Le Thanh Tung affirmed that VietinBank will continue to support businesses in overcoming immediate difficulties, enhancing financial capacity, while maintaining the principles of safety and efficiency in banking operations.
In the context of Vietnam's accelerated investment in industry, infrastructure, and key projects to create a foundation for sustainable economic growth, VietinBank is launching a credit package worth VND 60,000 billion specifically for strategic and key national infrastructure projects.
Accordingly, VietinBank partners with businesses in need of long-term capital to implement key infrastructure projects, contributing to the completion of strategic transportation, energy, and technology systems with significant spillover effects on socio-economic development.
In addition, VietinBank has also launched many specific products, services, and preferential policies focused on businesses in the construction and electrical equipment industries to support the timely implementation of key national projects.
According to VietinBank, in the current context of many uncertainties, the banking industry needs a strong transformation in mindset and operating methods to not only support short-term growth but also contribute to the long-term competitiveness of the economy.
"Banks need to shift from the role of 'providing capital' to 'leading capital flows,' prioritizing manufacturing, innovation, the digital economy, and the green economy. This aligns with the sustainable and inclusive development direction that the Government is promoting," said Mr. Le Thanh Tung.
In addition, a representative from VietinBank stated that perfecting the legal framework and policy mechanisms is crucial to creating favorable conditions for credit institutions to develop new products and services, especially in the fields of fintech and digital banking.
The banking sector also needs to accelerate the application of technology and leverage big data to improve the quality of credit assessment and risk management.
Furthermore, it is necessary to enhance information transparency and data connectivity between agencies, thereby supporting businesses in accessing capital more effectively. Developing inclusive finance and expanding access to banking services for individuals and businesses is also a crucial pillar.
According to a representative from VietinBank, banks need to support businesses not only with capital but also with financial and management consulting, and participate more deeply in the value chain.
Looking ahead, VietinBank aims to continue becoming a leading, efficient, and modern multi-functional bank, playing the role of a key commercial bank, leading capital flows to fundamental sectors and growth drivers of the economy.
The bank aims for sustainable growth, prioritizing lending to manufacturing, export, infrastructure, energy, and high value-added sectors. At the same time, VietinBank focuses on supporting small and medium-sized enterprises (SMEs) and innovative businesses to enhance the competitiveness of the private sector.
Simultaneously, VietinBank is accelerating its comprehensive digital transformation strategy, enhancing customer experience and optimizing operations. The bank is also strengthening its risk management capabilities according to international standards to ensure system safety and sustainable development.
The bank also focuses on developing green financial products and green credit, contributing to the achievement of the nation's green growth and sustainable development goals. "VietinBank is actively participating in inclusive finance programs, expanding access to banking services for individuals and businesses in line with the banking industry's overall direction until 2030, while also forming and expanding new business segments suitable to the Vietnamese context and regional trends," a VietinBank representative shared.
Mr. Minh
Source: https://baochinhphu.vn/vietinbank-dan-dat-dong-von-dong-hanh-tang-toc-phat-trien-dat-nuoc-102260510103712084.htm
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