Following directives from the State Bank of Vietnam, Agribank, Vietcombank, Vietinbank, SACOMBANK, and others have simultaneously reduced interest rates.

Immediately after the State Bank of Vietnam (SBV) issued a directive instructing commercial banks to implement preferential loan programs with low interest rates for small and medium-sized enterprises (SMEs) and priority sectors, Agribank, Vietcombank, Vietinbank, SACOMBANK, etc., simultaneously announced credit policies with preferential interest rates.

Agribank launches a 70,000 billion VND credit package.

Following the directive, the Vietnam Bank for Agriculture and Rural Development (Agribank) immediately launched a preferential credit package worth 70,000 billion VND, applicable from August 2026 to 2028.

Accordingly, the lending interest rate under the program is reduced by 1-2% per year compared to the average lending interest rate for the same term at Agribank.

The applicable entities include small and medium-sized enterprises (SMEs), businesses and individuals operating in priority sectors, economic growth drivers such as agriculture, rural areas, supporting industries, high-tech businesses, exports, digital economy, artificial intelligence, semiconductor industry, processing, manufacturing, and projects classified as green projects...

Vietcombank launches a 50,000 billion VND credit package.

Vietnam Foreign Trade Commercial Bank (Vietcombank - Code: VCB ) is implementing a credit program with a loan volume of VND 50,000 billion, from August 7, 2026 to December 31, 2028 or until further notice.

The program is for businesses and individuals engaged in production and business activities in priority sectors such as agriculture, rural areas, supporting industries, high technology, exports, digital economy, AI, semiconductor industry, processing, manufacturing, green projects, and small and medium-sized enterprises.

Preferential interest rates are at least 1% lower per year than the average lending interest rate for the same term at Vietcombank during each period. The bank also considers waiving or reducing service fees in accordance with applicable regulations and conditions.

VietinBank launches a 50,000 billion VND credit package.

Vietnam Joint Stock Commercial Bank for Industry and Trade (Vietinbank - Code: CTG ) announced a credit program worth up to VND 50,000 billion, to be implemented until the end of 2028.

The bank focuses its capital on small and medium-sized enterprises, as well as businesses and individuals operating in sectors such as agriculture, rural areas, supporting industries, high technology, exports, digital economy, AI, semiconductor industry, processing, manufacturing, and projects classified under the Green Classification List.

The lending interest rate is 1% lower per year than the regular lending interest rate for the same term. For medium and long-term loans, the preferential interest rate period can be up to 12 months.

BIDV launches a 50,000 billion VND credit package.

Similarly, the Vietnam Investment and Development Bank (BIDV - Code: BID ) also announced a low-interest credit package worth up to 50,000 billion VND.

The program will be implemented from August 2026 to the end of December 2028, or until the entire package is disbursed.

For customer groups similar to Agribank, when borrowing capital for production and business purposes, customers will enjoy an interest rate that is at least 1% lower per year than the average lending interest rate for the same term currently offered at BIDV.

SACOMBANK proactively reduces lending interest rates by 2%.

Saigon Tai Loc Commercial Joint Stock Bank (SACOMBANK - Code: STB ) has implemented solutions to reduce interest rates and focus capital on import-export businesses, priority sectors, household businesses, and FDI enterprises.

Accordingly, SACOMBANK is implementing a preferential credit package for import-export customers, based on a portfolio of nearly 100,000 billion VND in this segment at the bank.

The program is valid from August 13, 2026 to December 31, 2026, with a 2% reduction in interest rates for both new and existing customers.

Besides the program for import and export customers, SACOMBANK is implementing preferential credit programs for priority sectors, business households, and foreign-invested enterprises (FDI), with a total expected scale of 10,000 to 15,000 billion VND.

The expected interest rate is approximately 8.5 to 9% per year, designed to suit different customer segments, terms, and market conditions.

NCB Reduces Lending Interest Rate by 0.5%/Year.

Meanwhile, National Commercial Bank (NCB) immediately implemented a policy to reduce lending interest rates by 0.5%/year for all loan packages for individual and corporate customers. The policy is effective from August 10, 2026.

For individual customers, the new preferential interest rates apply to various loan needs such as mortgages, production and business activities, purchasing individual homes, and consumer loans with collateral. This helps reduce financial pressure and creates more room for customers to implement their production, business, and consumption plans.

For small and medium-sized enterprises (SMEs), NCB uniformly reduced interest rates by 0.5% per year for all loan terms.

NCB stated that it will prioritize providing preferential interest rate financing for green projects, digital economy projects, construction and building materials supply businesses, especially those participating in key national infrastructure projects.

For large-scale businesses operating within a chain/ecosystem, NCB also applies a 0.5% annual interest rate reduction to support businesses in implementing large-scale infrastructure projects.

BVBank reduces interest rates by 1%.

Viet Capital Commercial Bank (BVBank - Code: BVB ) is launching a preferential credit package worth VND 2,500 billion, with preferential interest rates at least 1% lower than the general market rate, to support SMEs and household businesses, prioritizing key sectors as directed by the State Bank of Vietnam.

Accordingly, the bank offers short-term loans with interest rates starting from only 9.7% per year. Medium and long-term loans are available with interest rates starting from only 10.5% per year. This offer will be implemented starting today, August 12, 2026.

MSB shares will decrease by at least 1%.

Vietnam Maritime Commercial Bank ( MSB ) is implementing a preferential interest rate program for small and medium-sized enterprises (SMEs) and business households.

Accordingly, from August 12, 2026, MSB will apply a lending interest rate in Vietnamese Dong that is at least 1% lower per year than the normal lending interest rate, with preferential interest rates starting from 8.5% per year. The total limit for the program is up to 3,000 billion VND.

The program targets small and medium-sized enterprises and household businesses operating in priority production and business sectors, as well as sectors identified as drivers of economic growth.

Nam A Bank reduces interest rates for various customer groups.

Nam A Commercial Joint Stock Bank (Nam A Bank - Code: NAB ) has just announced a simultaneous reduction in interest rates for many customer groups, effective from August 12th.

For individual customers, banks are reducing interest rates by 0.5-0.7 percentage points per year for business and agricultural loans; and by 0.1-0.3 percentage points per year for home purchase and consumer loans. Deposit interest rates are also being adjusted down by a maximum of 0.3 percentage points per year.

For corporate customers, Nam A Bank reduces the listed lending interest rate by up to 0.5 percentage points per year.

Notably, the bank is implementing preferential credit programs with a total limit of VND 25,000 billion for key sectors, with interest rates 1-1.8 percentage points lower per year than the listed rates. Of this, VND 15,000 billion is allocated to agriculture, forestry, and fisheries; VND 4,000 billion to infrastructure and digital technology; VND 3,600 billion to support seafood and fruit export businesses; VND 1,400 billion for businesses expanding production in industrial parks; and VND 1,000 billion for small and medium-sized enterprises.

LPBank reduces interest rates by at least 1% to support small and medium-sized enterprises.

From August 11th to the end of December 2026, Loc Phat Vietnam Commercial Joint Stock Bank (LPBank - Code: LPB ) is implementing a credit package worth VND 2,000 billion for small and medium-sized enterprises, with a preferential interest rate reduction of at least 1% per year compared to the normal lending interest rate.

Accordingly, LPBank has allocated 2,000 billion VND to support small and medium-sized enterprises (SMEs) with good cash flow, stable revenue, and a good credit history. The bank prioritizes businesses operating in key sectors such as supporting industries, manufacturing, exports, green transformation, and innovation.

Source: Nguoi quan sat