As a state-owned commercial bank playing a leading role in agriculture and rural development, Agribank continues to affirm its position as a backbone capital provider of the economy, accompanying enterprises and the public in developing production and business activities and stabilizing social livelihoods.
In 2025, Agribank proactively managed its funding operations in a safe and effective manner, establishing a solid foundation to meet the economy’s credit demand. As of December 31, 2025, Agribank’s total assets exceeded VND 2.68 quadrillion, representing an increase of more than 20% compared to 2024. Market 1 mobilized capital reached approximately VND 2.30 quadrillion, up 13.4%, fulfilling and exceeding the targets assigned by the State Bank of Vietnam. Of this amount, retail deposits totaled nearly VND 1.79 quadrillion, accounting for about 85% of total funding sources, reflecting sustained confidence from the public and businesses in Agribank. Through effective control of input funding costs and flexible interest rate management, Agribank reduced its average lending interest rate by nearly one percentage point compared to the beginning of the year, contributing to lower financial costs and supporting enterprises and individuals in recovering and expanding production and business activities.
Agribank continued to prioritize credit allocation toward production, business activities, and priority sectors in line with the Government’s and the State Bank of Vietnam’s policies. As of the end of 2025, Agribank’s total outstanding loans to the economy approached VND 2 quadrillion, an increase of 14.7% compared to the previous year. Outstanding loans to the agriculture and rural sectors exceeded VND 1.26 quadrillion, accounting for approximately 64% of total outstanding loans, reaffirming Agribank’s position as the leading bank in financing agriculture, farmers, and rural areas in Vietnam’s banking system. At the same time, credit to the private sector, small and medium-sized enterprises, household businesses, and individual customers continued to expand. Outstanding loans to individual customers reached nearly VND 1.48 quadrillion, representing around 75% of total outstanding loans, contributing to the promotion of financial inclusion, sustainable livelihoods, and social stability.
Alongside commercial lending activities, Agribank effectively implemented policy credit programs and national target programs on new rural development, sustainable poverty reduction, and socio-economic development in ethnic minority and mountainous areas. By the end of 2025, outstanding loans under the new rural development program reached approximately VND 746 trillion, serving nearly two million rural customers. In addition, Agribank implemented a number of large-scale preferential credit programs with a total credit limit exceeding VND 400 trillion, focusing on production and business activities, small and medium-sized enterprises, exports, processing industries, infrastructure, digital transformation, and green economy, thereby contributing to economic growth associated with sustainable development.
In response to increasingly complex natural disasters and floods in 2025, Agribank promptly implemented measures to restructure debt repayment schedules, extend new loans to support production recovery, and reduce or waive certain fees to share difficulties with affected customers. At the same time, Agribank allocated nearly VND 100 billion for social welfare activities, demonstrating its sense of social responsibility and commitment to accompanying the community.
Results achieved in 2025 show that Agribank’s role as a key capital provider is reflected not only in the scale of growth in assets, funding sources, and outstanding loans, but also in its focused investment orientation, credit quality, and positive spillover effects on production, business activities, agriculture, rural areas, and other priority sectors of the economy. With nearly four decades of accompanying national development, Agribank continues to affirm its position as a trusted financial pillar, contributing to the realization of Vietnam’s goal of fast, sustainable, and inclusive development in the coming period.
by Kylie Nguyen/Agribank
