Agribank has reserved more than VND 210,000 billion in preferential capital for corporate customers along with many incentives on deposit interest rates, service fees and foreign currency exchange rates, applicable from January 1 to December 31, 2025.
Credit package of 5,000 billion VND and 100 million USD
Promoting the growth of the foreign direct investment (FDI) economic sector, in 2025, Agribank will prioritize resources for FDI enterprises to develop production and business activities in Vietnam.
Agribank has launched a short-term preferential credit package of VND5,000 billion and USD100 million to finance short-term capital needs for business activities of FDI enterprises with VND lending interest rates reduced to 1.8%/year and USD lending interest rates reduced to 1.0%/year compared to normal. In particular, enterprises maintaining USD deposit balances will enjoy VND lending interest rates from only 2.4%/year.
35,000 billion VND of short-term preferential capital for import-export enterprises
In 2025, Agribank will spend nearly double the scale of 2024 to finance import-export activities, connecting globally with 35,000 billion VND of short-term preferential capital in VND. Interest rates are 1.6%/year lower than the normal lending interest rate floor, along with many incentives on deposits, service fees and foreign currency exchange rates. Enterprises maintaining a deposit balance in USD will enjoy a VND loan interest rate from only 2.4%/year. The program is for legal customers and private enterprises operating in the import-export sector.
In addition to the preferential credit package, FDI enterprises and import-export enterprises also receive increased incentives from Agribank. These include: Up to 100% exemption from import L/C payment fees, import collection payment fees, foreign currency transfer payment fees; Application of preferential foreign currency buying and selling exchange rates and maximum preferential interest rates on non-term deposits in VND of enterprises at Agribank.
80,000 billion VND of short-term preferential capital to finance the operations of large enterprises
With a key role in implementing monetary policy, developing the economy, and ensuring social security, Agribank proactively allocates preferential capital to create a fulcrum for large enterprises to confidently invest in boosting production and business, creating a driving force to promote the entire economy.
In 2025, Agribank will allocate VND80,000 billion in short-term preferential capital to finance the operations of large enterprises, with interest rates 1.5%/year lower than the normal lending rate floor.
In addition to enjoying preferential loan interest rates, enterprises participating in the program can also use modern and comprehensive banking and financial services and products such as: term deposits, payroll services, bill payments, automatic investments, electronic tax payments, trade finance services, foreign currency trading, corporate credit cards, Agribank e-Banking...
60,000 billion VND of short-term preferential capital for small and medium-sized enterprise customers
Continuing its commitment to accompany small and medium-sized enterprises, in 2025, Agribank will finance 60,000 billion VND of short-term preferential capital with interest rates 1.2%/year lower than the normal lending interest rate floor. SMEs transacting for the first time at Agribank will also enjoy attractive preferential policies to help businesses have a stable, low-cost source of capital to serve production and business organizations.
Agribank also provides SMEs customers with suitable banking and financial products, creating a comprehensive financial solution package according to the needs and actual implementation of each customer's operations such as account services, payments, cash flow management services, payroll, e-banking, corporate cards, trade finance, foreign currency trading...
30,000 billion VND of medium and long-term capital to finance investment projects
Agribank allocates 30,000 billion VND of medium and long-term capital to finance enterprises to implement projects, buy back projects, and offset investment costs of ongoing projects, completed projects, and projects in operation. Preferential interest rates start from only 6.0%/year, with preferential interest rates lasting up to 24 months.
The program provides capital for projects in key and priority development sectors and industries, including: Processing and manufacturing; Production and distribution of electricity and gas (power source projects); Transportation and warehousing; Construction of infrastructure for production and business, construction of industrial parks and export processing zones; Investment projects in construction and business of infrastructure for industrial parks/industrial clusters, construction of factories, offices, warehouses for rent, loans for investment in farms for rent; Restaurants and mobile catering services; Healthcare, education; Water sector projects and projects in green sectors.
As one of the pioneering banks promoting “greening” of credit, Agribank also prioritizes capital for investment projects that practice ESG standards that are scored and ranked by prestigious organizations; or projects that are granted specific certifications for each field/industry such as: Green agriculture (GlobalGAP, VietGAP, ASC, GAA BAP certificates, ISO 22000:2018 standards...); Sustainable forestry (FSC, VFCS, COC certificates...); Green construction works (LEED, EDGE, Green Mark, LOTUS certificates...) and renewable energy, clean energy (I-REC certificates...)...
Ngoc Minh
Source: https://vietnamnet.vn/agribank-tiep-suc-doanh-nghiep-voi-5-chuong-trinh-tin-dung-uu-dai-dac-biet-2362754.html
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