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Agribank, a state-owned commercial bank, maintains a large share of lending to agriculture and rural areas while expanding support for enterprises, green financing, and digital transformation. As Vietnam’s economy shifts toward green, digital, and sustainable development, the banking system continues to serve as a primary channel for capital, with Agribank positioned as a major credit provider for the production sector—especially agriculture, rural areas, and enterprises.
Agribank was established to serve agriculture, farmers, and rural areas. After nearly four decades, it has maintained stable lending and expanded its role as a key source of funding to support the restructuring of agriculture toward modernization and efficiency.
The bank’s nationwide network reaches remote, border, and island areas, helping bring capital to communes. This supports people—particularly in difficult areas—in accessing financing to develop production, improve livelihoods, and raise incomes.
By the end of 2025, outstanding loans for agriculture and rural sectors reached nearly 1.3 quadrillion VND, accounting for about 64% of total loans. The funding supports the development of large-scale production zones, including industrial crops and fruit trees to aquaculture. High-tech agriculture, clean agriculture, and organic agriculture models are also spreading.
In the Mekong Delta, Agribank’s capital supports high-quality, low-emission rice production models. Production is reorganized along value chains from cultivation to consumption, helping increase the value of rice grain and stabilize incomes.
Beyond the “three rural goals,” Agribank also positions itself as a financial partner for the business community, particularly small and medium-sized enterprises, cooperatives, and individual traders. The bank applies flexible credit policies tailored to sector and locality to help enterprises access capital in a timely manner for production expansion and technology modernization.
In addition to providing credit, Agribank offers comprehensive financial solutions, including business plan advisory, debt term restructuring, interest rate reductions, and simplified loan procedures. The aim is to help enterprises address near-term difficulties while improving long-term adaptability.
In many localities, Agribank funding contributes to forming agricultural production-processing-consumption value chains. Small-scale enterprises and cooperatives have gradually increased capacity, built brands, and integrated more deeply into value chains.
In response to sustainable development requirements, Agribank channels funds into environmentally friendly sectors. The bank implements credit programs for high-tech agriculture, clean agriculture, green projects, and key economic sectors.
Green credit outstanding reaches around 28,000 billion VND, focusing on clean agriculture, sustainable forestry, renewable energy, and the circular economy. Through preferential interest rates and flexible mechanisms, the bank encourages people and enterprises to shift production toward greener methods.
Agribank also supports funds along value chains, strengthening linkages among farmers, cooperatives, and enterprises. This approach is intended to improve capital efficiency, risk control, and product market access.
Agribank identifies digital transformation as a key driver of improved operational efficiency. The bank invests in technology infrastructure, builds a cohesive digital ecosystem, and develops a customer-centric model.
The system manages data for tens of millions of customers and provides hundreds of utilities, including payments and transfers, savings, and other financial services. Daily, it processes about 60 million transactions, most of which are conducted on the digital platform. The bank states that digital transformation improves customer experience while strengthening governance, risk management, and more efficient allocation of resources. Digital services also help people in rural and remote areas access finance faster and at lower costs.
Agribank also maintains nationwide social welfare programs alongside core banking operations. These focus on education, healthcare, poverty reduction, rural development, and disaster relief.
From 2020 to 2025, total funding for social welfare exceeded 2,650 billion VND. In 2025 alone, the figure is nearly 700 billion VND, including about 100 billion VND for disaster relief and flood recovery.
In the new development phase, Agribank aims to continue its role as a state-owned commercial bank pillar in supplying capital to the economy. The bank plans to focus funds on production and business sectors to contribute to substantive growth and macroeconomic stability.
Alongside strengths in the “three rural pillars,” Agribank is expanding lending to high value-added sectors such as processing industries, infrastructure, energy, the digital economy, and green credit.
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