Affirming the leading commercial bank brand

After 5 years of diligently cultivating new values, Agribank Ha Tinh II Branch quickly affirmed its brand as a leading commercial bank. These achievements have further strengthened the will and courage for the branch to continue to seize opportunities and reach new goals.

After 5 years of diligently cultivating new values, Agribank Ha Tinh II Branch quickly affirmed its brand as a leading commercial bank. These achievements have further strengthened the will and courage for the branch to continue to seize opportunities and reach new goals.

Vietnam Bank for Agriculture and Rural Development (Agribank) Ha Tinh II Branch was established on November 1, 2018 on the basis of separation from Agribank Ha Tinh Provincial Branch with a network of 19 transaction points (1 head office, 6 type II branches and 12 transaction offices with 248 officers and employees).

“Born late”, the challenge for Agribank Ha Tinh II Branch is how to both affirm the brand of a strong financial institution – Agribank, and strive to “stand shoulder to shoulder” with the commercial banks that are constantly growing in the area. Over the past 5 years, the branch has been diligently, dynamically and creatively cultivating new values, building an unmistakable brand.

Agribank Ha Tinh II Branch Headquarters is invested in construction to be spacious and modern.

Agribank Ha Tinh II Branch builds a team of leaders who are "at the forefront", dedicated and have vision.

Agribank Ha Tinh II Branch staff and employees are professional, responsible, and dedicated to the Agribank brand.

Mr. Vo Van Nhat - Director of Agribank Ha Tinh II Branch recalled: "In the early days of establishment, the branch faced many difficulties such as: network, capital scale, outstanding debt and small services; lack of staff; business activities affected by the world and domestic economic recession... In that context, Agribank Ha Tinh II Branch quickly reorganized its apparatus, built a team of "leading" leaders with heart and vision, along with a team of professional, responsible and dedicated staff and workers for the Agribank brand".

With the business philosophy of "Agribank brings prosperity to customers", Agribank Ha Tinh II Branch always plays a pioneering role, seriously and effectively implementing monetary policies, especially credit policies for agricultural and rural development. With many creative and practical ways, capital from credit policies is quickly brought to the people by Agribank Ha Tinh II Branch such as: lending to support to reduce losses in agriculture according to Decision 68/2013/QD-TTg of the Prime Minister, lending to support rapid and sustainable poverty reduction according to Resolution 30a/2008/NQ-CP of the Government..., contributing significantly to the stability and economic development of the province.

Agribank Ha Tinh II Branch constantly improves service quality.

Agribank Huong Khe credit officer checks the purpose of using customers' capital.

In the task of implementing monetary policies in the 2020-2021 period, Agribank Ha Tinh II Branch faced challenges when most customers were severely affected by the COVID-19 pandemic. This reality posed the "problem" of how the branch could both ensure safe and effective credit operations and support customers to overcome difficulties.

“In addition to complying with the industry's mechanisms and policies, the branch has proactively structured many interest rate support loan packages to share with customers such as: VND 300 billion loan package (2020), VND 500 billion loan package (2021), VND 100,000 billion loan package (2021, 2022), VND 500 billion loan package (2023)... The "cheap" credit packages have become a "lifebuoy" for people and businesses to continue to reinvest in production, business, and serve consumption in the context of surrounding challenges. In addition to accompanying capital, the branch also helps customers recover from the "shock" with many solutions such as: restructuring debt repayment terms, reducing loan interest rates... In particular, in 2023, due to the impact of economic inflation and high interest rates, Agribank Ha Tinh II Branch accepts to sacrifice benefits to join the State Bank and "Large commercial banks maintain stability and health for the credit market" - Mr. Vo Van Nhat - Director of Agribank Ha Tinh II Branch said.

Agribank Ha Tinh II Branch proactively provides capital for businesses to invest and develop.

Agribank Ha Tinh II Branch regularly organizes savings and prize programs to attract idle money from the population.

Agribank Ha Tinh II Branch is the "midwife" for many high-tech agricultural models.

Mr. Tran Van Binh - Director of Khanh Mon Construction Company Limited (Ha Tinh City) shared: "Choosing the "big road", Agribank Ha Tinh II Branch constantly improves service quality, simplifies lending procedures, and improves lending models and methods. The branch's capital flows support businesses to grow more and more. When the COVID-19 pandemic broke out, Agribank Ha Tinh II Branch added resources for businesses to invest in recovery and development."

5 years of establishment and development is also the same amount of time for Agribank Ha Tinh II Branch to promote the potential, strengths of network, financial potential, customer base and reputation of Agribank brand to build, research, develop and bring customers the best products and services. Constantly innovating, placing trust in creativity and creating momentum for the young generation in building business strategies, the branch has made steady, breakthrough steps in credit growth, fulfilling the mission of investing in the development of "three agricultures". After 5 years of operation, Agribank Ha Tinh II Branch has completed the goals in the project when it was established, all business indicators have high growth.

Agribank Ha Tinh II Branch currently ranks 3rd in capital market share and first in the area in outstanding loan market share.

As of September 30, 2023, the branch's capital and outstanding loans reached over VND 26,640 billion, an increase of VND 14,717 billion compared to the first day of establishment, an increase of 123%. Of which, the total mobilized capital reached over VND 13,145 billion (an increase of VND 7,299 billion, a growth rate of 125%), the total outstanding loans reached over VND 13,495 billion (an increase of VND 7,418 billion, a growth rate of 122%, the ratio of agricultural and rural loans accounted for 85% of the total outstanding loans with 45,000 customers); service scale of VND 45 billion (an average growth rate of 10%). The bad debt ratio is always below the allowable level, and the income of employees is always guaranteed. Agribank Ha Tinh II Branch is currently ranked 3rd in terms of capital market share and first in the area in terms of outstanding loan market share.

Agribank Ha Tinh II Branch devotes many resources to social security work...

... and organize many meaningful activities.

Not only making its mark in business, Agribank Ha Tinh II Branch also devotes many resources to social security work, demonstrating the responsibility of a bank for the community, kindness and sharing. Charity work emerges every year with a series of meaningful activities such as: giving charity houses, "Tet for the poor", giving breeding cows to poor families, the program "More letters, less poverty"... In the past 5 years, the branch has spent nearly 30 billion VND to support localities in building infrastructure, improving the quality of education, health care and improving people's lives.

Recently, Agribank Ha Tinh II Branch donated 70 breeding cows, worth 910 million VND, to 70 disadvantaged families in Ky Anh, Thach Ha, Cam Xuyen, Huong Khe districts, Ky Anh town and Ha Tinh city. With the motto of giving "fishing rods" instead of "fishing strings", officers and employees of Agribank Ha Tinh II Branch hope that people will have a livelihood, gradually improve production, develop livestock and enhance economic capacity. The kindness that Agribank Ha Tinh II Branch donated has given strength to disadvantaged families to overcome their circumstances, writing beautiful stories in everyday life.

Mr. Vo Van Nhat - Director of Agribank Ha Tinh II Branch attended the ceremony of giving cows to poor households in Ky Anh district and Ky Anh town.

For the family of Mr. Nguyen Dinh Lam, residing in Hoa Tien village, Ky Hoa commune (Ky Anh town), the healthy breeding cow that was just sponsored is a great asset at this time. “My wife is unable to work, so I am working alone to raise 2 children. Unfortunately, my freelance job makes my income unstable, and there is nothing valuable in the house. Now that the bank has given me a breeding cow, I am very excited and will try to take care of it and raise it to create a livelihood,” Mr. Nguyen Dinh Lam confided.

Linking business with responsibility for the economic development of the province, Agribank Ha Tinh II Branch has been awarded many certificates of merit by the State Bank of Vietnam, Agribank, and the People's Committee of Ha Tinh province. Notably, for 4 consecutive years (2019 - 2022), the branch has been awarded a certificate of merit by the General Director of Agirbank for "Excellent completion of tasks". This is proof of the correctness and effectiveness of business strategy, consistency in direction and operation, and suitability to reality. The achievements reaped today will further strengthen the branch to continue to seize opportunities and create new breakthroughs.

Provincial leaders awarded the certificate of Typical Ha Tinh Enterprise in 2023 to Agribank Ha Tinh Branch II.

Agribank Ha Tinh II Branch has been awarded many certificates of merit by the State Bank of Vietnam, Agribank, and the People's Committee of Ha Tinh province.

Mr. Nguyen Van Trung - Director of the State Bank of Ha Tinh province assessed: "After 5 years of establishment, Agribank Ha Tinh II Branch has made steady development steps. Currently, the branch ranks 3rd in terms of capital market share and is the leading branch in the area in terms of outstanding loan market share. The branch has well fulfilled its mission of investing in the development of "three rural areas", promoting the agricultural restructuring process. In addition, it has regularly paid attention to doing well the social security work, sponsoring the construction of new rural areas, making an important contribution to the socio-economic development of the province".

Article, Photo: Thu Phuong

Design: Thanh Ha

6:28:10:2023:05:17

Source: https://baohatinh.vn/khoi-nghiep/agribank-chi-nhanh-ha-tinh-ii-khang-dinh-thuong-hieu-ngan-hang-thuong-mai-hang-dau/256349.htm