Financial resources are regarded as a primary growth lever for enterprises. Therefore, the banking sector is making concerted efforts to promptly unlock capital flows, foster alignment in management thinking, and implement concrete, decisive support measures directly at the local level.

With total credit growth across the banking system projected at around 15%, capital flows this year are being strongly directed toward production along with business activities, as well as new growth drivers.

In Dak Lak Province, this macro-level capital flow has quickly translated into stable growth figures. According to the State Bank of Vietnam (SBV) Regional Branch 11, as of the end of April 2026, total mobilised capital in the province reached 167.838 trillion VND, up 0.3% compared to the beginning of the year. More importantly, total outstanding loans climbed to 272.887 trillion VND, marking a 4.8% increase against the start of the year.

Customers conducting transactions at the Vietnam Bank for Agriculture and Rural Development - Dak Lak Branch (Agribank Dak Lak).

According to Mr. Nguyen Kim Cuong, SBV Regional Branch 11 Director, said that the relationship between banks and enterprises has now shifted from a purely capital-supplying model to an equal partnership. An effective business plan serves as the strongest foundation for both sides, ensuring that enterprises generate profits while banks are able to recover both principal alongside interest.

This orientation is opening up significant opportunities for the provincial key economic sectors, including agriculture and rural development, industrial crops, trade combined with services, as well as renewable energy. In particular, the flexible financing approach is also helping remove bottlenecks for enterprises engaged in the procurement of key export agricultural products, a group that is constantly in need of working capital but often lacks large-scale collateral assets.

Promoting green credit and preferential lending rates

Driven by this fundamental shift in governance and management thinking, commercial credit institutions across the province have swiftly rolled out practical financial solutions aimed at sharing difficulties with local residents alongside the business community.

As a key lender in the agricultural sector, the Vietnam Bank for Agriculture and Rural Development - Dak Lak Branch (Agribank Dak Lak) has proactively introduced a series of large-scale credit packages, clearly tailored to different market demands. Mr. Vo Tien Nam, Deputy Director of Agribank Dak Lak, said the bank is currently implementing a 60 trillion VND credit package for large enterprises as well as small together with medium-sized enterprises (SMEs), offering preferential lending rates that are 0.8-1.2% points lower per annum than conventional benchmark rates. In parallel, the bank has earmarked 30 trillion VND for green and infrastructure projects, while also preparing a further 60 trillion VND funding source extending through 2030 for strategic technology projects. In the field of international trade, Agribank Dak Lak is also deploying an export coupled with foreign direct investment (FDI) support package worth 35 trillion VND and 100 million US$, with USD-denominated lending rates starting from 2.4% per annum.

Sharing the same commitment to sustainable development, Military Commercial Joint Stock Bank - Dak Lak Branch (MB Bank Dak Lak) has proactively positioned itself to capture the shift of capital flows toward low-emission economic sectors. Mr. Nguyen Duy Tuan, Director of MB Bank Dak Lak, noted that the bank offers interest rate reductions of 1-2% points for loans related to environmental projects and high-tech agriculture. This approach aligns closely with the provincial key sustainable production sectors, including coffee, cashew nuts, rice as well as medical supplies. Notably, in an effort to maximise support for SMEs and household businesses participating in high-tech agricultural value chains, MB Bank is willing to provide working capital financing without requiring collateral. Export-oriented coffee enterprises along with high-tech agricultural businesses in Dak Lak are also fully benefiting from the preferential policies associated with these green credit flows.

Translated by HAI LOAN