Boosting credit capital for priority sectors

Recently, the banking sector in Dong Nai province has focused on prioritizing credit flows for production, business activities, consumption, and priority sectors.

Banking transactions at the Dong Nai-based Bank for Investment and Development of Vietnam (BIDV) in Tam Hiep ward, Dong Nai province. Photo: Hai Quan.

Priority sectors for credit capital include agriculture and rural areas; exports; small and medium-sized enterprises (SMEs); supporting industries; and enterprises applying high technology.

Promoting production and business activities

Nguyen Duc Lenh, Deputy Director of the State Bank of Viet Nam (SBV) Regional Branch 2, said that in 2025, the banking sector in Dong Nai effectively fulfilled local tasks and the Government’s and SBV’s credit programs in the province. In particular, it performed well in policy credit, lending for new-style rural area construction, housing loans, and the disbursement of preferential credit packages for agriculture, forestry, fisheries, and export fields.

At the Dong Nai-based Vietnam Bank for Agriculture and Rural Development (Agribank), in recent times, the branch has closely followed guidance from Agribank’s head office and the local socio-economic development orientation to effectively implement credit programs for priority sectors, especially agriculture, rural areas, and high-tech agriculture.

Tran Thi Hai Ha, Deputy Director of Agribank Dong Nai, said that at the end of 2025, mobilized capital at the branch reached more than VND 23.2 trillion, while total outstanding loans were nearly VND 22.2 trillion. Notably, lending to agriculture and rural areas accounted for nearly 70% of total outstanding loans, thereby continuing to affirm Agribank’s leading role in investing in and developing the “three rurals” in the locality.

According to SBV Regional Branch 2, as of early December 2025, total outstanding loans by credit institutions in Dong Nai for the five priority sectors reached more than VND 387.6 trillion, accounting for 67.2% of total outstanding loans in the province. Of this, loans for agriculture and rural development exceeded VND 222.5 trillion; loans for export production and business exceeded VND 51.3 trillion; loans serving production and business of SMEs were nearly VND 98.6 trillion; and loans for supporting industries exceeded VND 15.1 trillion.

“Through the implementation of credit packages with preferential interest rates, simplified procedures and timely disbursement, Agribank Dong Nai has effectively supported households, cooperatives and enterprises in expanding production and stabilizing business operations. At the same time, credit quality has been well controlled, making a positive contribution to local socio-economic development,” Tran Thi Hai Ha emphasized.

Over the past time, the Dong Nai-based BIDV has focused on synchronously deploying many preferential credit programs for priority sectors, thereby contributing to promoting production, business, import-export activities and supporting SMEs in the province. The branch prioritizes capital for production and business, import-export, SMEs, rural areas and supporting industries, while promoting value-chain-based lending associated with risk control and efficient use of capital.

According to Nguyen Duc Toan, Director of BIDV Dong Nai, outstanding loans to priority sectors supporting enterprises at the branch now account for over 56% of total outstanding loans, mainly concentrated in manufacturing enterprises, enterprises in industrial parks, and import-export enterprises.

Improving the effectiveness of bank–enterprise connectivity

To effectively implement credit programs in priority sectors, the provincial banking sector has increasingly focused on consulting and regularly supporting enterprises, thereby helping expand access to credit for enterprises and the public.

Lending to agriculture and rural areas accounts for nearly 70% of total outstanding loans at Agribank Dong Nai. In the photo: Cash counting operations at the Dong Nai-based Agribank (Tran Bien ward, Dong Nai province). Photo: Hai Quan.

Truong Van Thanh, Director of Nhu Hoang Agricultural Trade and Services Cooperative (in Tho Son commune), said the cooperative hopes the banking sector will effectively implement preferential-interest loan programs and simplify loan procedures for priority sectors, including agriculture and rural areas, especially unsecured loan packages that do not require collateral. This would help cooperatives and local enterprises obtain additional capital to invest in machinery, equipment and factories, expand production, and develop the locality’s key products.

Tran Thi Hai Ha added that the Dong Nai-based Agribank will continue to prioritize credit capital for the enterprise sector, especially enterprises operating in agriculture and rural areas. Moreover, it will promote lending programs through linkage models with women’s unions and farmers’ associations. This will help support production development, create jobs, raise incomes for residents, and promote sustainable development of the agricultural and rural economy, in line with Agribank’s leading role in implementing credit policies for the “three rurals” program.

For the Dong Nai-based BIDV, Nguyen Duc Toan said that in the coming time, in line with the overall orientation of the BIDV system, the Dong Nai-based BIDV will focus on three main groups of solutions to strengthen bank–enterprise connectivity and improve the effectiveness of lending to priority sectors (production and business, import-export, and SMEs) in the locality. Specifically, the branch will proactively connect and accompany local authorities and the local business community; implement and optimize the effectiveness of priority credit packages (especially for production and business, import-export and SMEs); and strengthen digitalization, streamline processes, improve credit quality and control risks.

In particular, a representative of the Dong Nai-based BIDV’s leadership is currently a member of Dong Nai Provincial Business Federation’s Executive Committee, and the office of the Dong Nai Provincial Business Federation is located at the branch’s headquarters. This creates more favorable conditions for strengthening bank–enterprise connectivity in the locality.

By Hai Quan – Translated by M.Nguyet, Thu Ha