Against the backdrop of high-growth economy targets coupled with macroeconomic stability, the banking sector is required not only to provide sufficient capital but also to improve service quality, shorten the time needed to access credit and help enterprises use capital effectively.

As enterprises face numerous difficulties arising from market fluctuations, raw material prices, production costs combined with competitive pressures, access to capital at reasonable interest rates has become particularly importance. Alongside the State Bank of Vietnam's monetary policies, numerous banks have proactively rolled out preferential credit programmes, lowered interest rates and streamlined lending procedures, creating more favourable conditions for enterprises to access capital.

Customers conducting transactions at Agribank Dak Lak Branch.

According to Mr. Nguyen Duy Tuan, Director of the Military Commercial Joint Stock Bank, Dak Lak Branch (MB Dak Lak), the branch is implementing a comprehensive range of solutions to ensure stable funding at competitive interest rates, with priority given to agricultural production and processing, exports, SMEs, alongside the provincial key economic sectors. It is also digitalising procedures and providing solutions ranging from cash flow management as well as international payments to digital banking.

The Bank for Agriculture and Rural Development, Dak Lak Branch (Agribank Dak Lak), is implementing a number of credit programmes for production together with business activities, import and export, alongside digital transformation. Notably, a package of more than 60 trillion VND is available to SMEs along with large enterprises at interest rates 0.8 - 1.2% per year lower than the floor rates for conventional lending; a 30 trillion VND package is available for green projects, infrastructure, healthcare as well as education, with fixed interest rates starting at  6.0% annually for 24 months; and a 35 trillion VND package combined with 100 million USD is available to FDI enterprises and exporters at interest rates from 2.4% annually, with international payment fees reduced by up to 100%.

From capital provision to digital banking services, banks are adopting a more comprehensive approach to supporting enterprises. Rather than focusing solely on meeting capital needs at a particular point in time, banks are increasingly supporting enterprises throughout the production and business process, covering cash flow management along with payments to guarantees and other financial services.

Timely support

At the end of 2025, floods caused significant damage to the cassava growing area in the provincial eastern part, reducing supply while Phu Yen Tapioca Starch JSC still had to secure sufficient raw materials for the 2025 - 2026 production season.

Bank credit has enabled numerous enterprises to expand their operations. In the photo: Macadamia production at Damaca Nguyen Phuong JSC.

According to Mr. Ho Van Toan, Director of Phu Yen Tapioca Starch JSC, during this challenging period, BIDV Phu Yen Branch provided the enterprise with a 300 billion VND credit limit, enabling it to proactively purchase raw materials during the peak harvest period while expanding its procurement area to neighbouring localities. As a result, the enterprise secured sufficient input materials, maintained stable factory operations and fulfilled its orders on schedule.

Specialising in instant coffee processing for export, My Viet International Group JSC (Hoa Phu commune) has, in recent years, accessed medium- and long-term financing while working capital from banks to modernise technology, expand production as well as reach international markets.

For numerous enterprises, what matters is not only whether capital is disbursed at the right time, but also whether the bank provides support throughout the production and business process. Credit quality is also reflected in banks’ ability to provide financing in line with actual  needs while supporting enterprises in using capital effectively.

Translated by KHUONG THAO