After 5 years of construction and development, Agribank Bac Thanh Hoa has always operated effectively, increasingly affirming its reputation and brand; especially affirming its leading role in lending for agricultural and rural development in the area.
Agribank North Thanh Hoa accompanies fishermen of Sam Son City to develop the economy.
On November 1, 2019, the Bank for Agriculture and Rural Development - North Thanh Hoa Branch (Agribank North Thanh Hoa) officially came into operation on the basis of upgrading from Agribank Sam Son Branch to a Class I, Class I branch, directly under Agribank. Agribank North Thanh Hoa comprehensively manages the operations of 1 head office, 7 Class II branches; 2 transaction offices directly under the head office and 12 transaction offices directly under Class II branches in the province. Branches directly under Agribank North Thanh Hoa include: Nga Son, Ha Trung, Thach Thanh, Vinh Loc, Hau Loc, Hoang Hoa and Bim Son.
Agribank's business activities play a key role in providing 80% of agricultural and rural credit and have impressive growth. After 5 years of construction and development, up to now, the bank has a total mobilized capital of nearly 16,600 billion VND; total outstanding loans to the economy of nearly 17,900 billion VND, service revenue of 110 billion VND, financial results after 5 years of 666 billion VND. Currently, the branch has transaction relationships with more than 460,000 customers; of which more than 400,000 customers deposit, use services and more than 60,000 customers borrow capital. Credit capital is provided to people through coordination with farmers' associations, women's associations, and the establishment of a system of lending groups in villages and communes, contributing significantly to job creation, improving people's lives in rural areas, promoting new rural development, and socio-economic growth in many localities. Many production models and high-tech applications have been formed and replicated, promoting the restructuring of agriculture towards diversifying products, applying advanced technology, improving productivity, quality, and value of agricultural products. In addition, during the complicated developments of the COVID-19 pandemic and post-COVID-19, Agribank Bac Thanh Hoa has implemented flexible, timely, and compliant solutions such as: extending and restructuring debt repayment terms, reducing interest rates for customers, and providing preferential interest rate loans; At the same time, proactively reduce operating costs and cut profits to support customers in gradually overcoming difficulties and recovering and developing production and business.
In the context of increasing competition, the branch always identifies capital mobilization as a key task throughout, along with constantly providing a variety of banking products and services, improving facilities, investing in modern equipment, rapidly developing e-banking services in the direction of digital banking, promoting cashless payments, facilitating transactions anytime, anywhere for customers. Over the past 5 years, the branch has invested in and upgraded technology infrastructure, developed POS and ATM systems, put into operation the Autobank CDM automatic banking system; increased e-banking utilities such as payment via VietQR code, QR code, connecting online payments between banks and public service providers such as hospitals, schools, etc. Currently, the branch has opened over 325,000 payment accounts; deployed over 10,000 VietQR points; Implement automatic debt collection of interest to 100% of loan customers, automatic debt collection of principal to 40% of loan customers.
Not only making its mark in business, Agribank Bac Thanh Hoa also devotes many resources to social security work, demonstrating the responsibility of a bank for the community, kindness and sharing. Over the past 5 years, Agribank Bac Thanh Hoa has contributed nearly 30 billion VND to carry out social security and humanitarian charity work, such as: supporting the prevention and control of the COVID-19 epidemic; donating and handing over many social security works; responding to the program "more letters, less poverty" by donating bookcases and teaching and learning equipment to many schools; donating tens of thousands of seedlings to local people...
Agribank Bac Thanh Hoa also always pays attention to the activities of mass organizations. The Party organization is always focused on development, demonstrating the Party's comprehensive leadership and direction in the development activities of the unit. Cultural and sports activities, photo contests, professional competitions, and learning about banking activities have attracted the participation of a large number of officers and employees in the entire branch. The youth union movement is also focused on by Agribank Bac Thanh Hoa. The Youth Union of Agribank Bac Thanh Hoa always promotes youthful enthusiasm, proactively demonstrating its pioneering role, thereby contributing to promoting the Agribank brand to the community...
In recognition of the important achievements and contributions of Agribank Bac Thanh Hoa, the Prime Minister, the Provincial People's Committee, the State Bank of Vietnam, and the Agribank leadership have presented many noble awards to the collectives and individuals of the branch. In 2020, it won the second prize in the North Central region; In 2021, it won the first prize in the Type I and Grade I Branch; In 2022, it won the second prize nationwide and was honored to receive the Government's Emulation Flag; In 2023, it won the third prize in the entire system.
Over the past 5 years of establishment and development, Agribank Bac Thanh Hoa has continuously grown in both scale and quality of operations. The branch has not only "built a solid foundation", creating strong momentum for the following years, but also affirmed the correctness and creativity in business so that the collective leadership and employees can proudly "look to the future", contributing to building and maintaining the Agribank brand to develop in the direction of a modern bank, enhancing competitiveness in the period of international economic integration, fulfilling the noble mission: "Bringing prosperity to customers".
Article and photos: Khanh Phuong
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