According to Moody’s Ratings, the assessment is based on the bank’s stable capital mobilization foundation, its large and diverse customer base, and consistently positive asset quality and operational efficiency. Agribank’s capital mobilization capability is considered one of its prominent strengths. Consequently, Agribank’s baseline credit assessment (BCA) was affirmed at b1.

The rating agency stated that the outlook upgrade reflects a positive assessment of Vietnam’s macroeconomic environment and sovereign creditworthiness, following its upgrade of the country’s sovereign rating outlook from "stable" to "positive" on 4/5/2026. According to Moody’s, Vietnam’s economic competitiveness continues to improve due to digital transformation, infrastructure investment, enhanced human resource quality, and capital market development.

A Moody’s representative also commented that if Vietnam’s sovereign credit rating continues to improve in the coming period, Agribank’s rating could be correspondingly upgraded due to the high level of government support for the bank.

Agribank focuses capital on serving the "tam nong" sector (agriculture, farmers, and rural areas). Photo: Agribank

According to an Agribank representative, Moody’s upgrade of its outlook to "positive" demonstrates the bank’s reputation, financial capacity, and market position both domestically and internationally. It also reflects the effectiveness of its safe, sustainable development strategy, which is tied to its role as a key State-owned commercial bank in the "tam nong" sector.

In 2025, Agribank met and exceeded many business and financial targets assigned by the State Bank of Vietnam (SBV). By the end of 2025, the bank’s total assets reached nearly 2.7 quadrillion VND; mobilized capital exceeded 2.3 quadrillion VND; and outstanding loans to the economy amounted to over 1.97 quadrillion VND. More than 64% of these outstanding loans were concentrated in the agricultural and rural sectors.

In the first 4 months of 2026, Agribank continued to maintain stable growth in capital mobilization and credit, prioritizing capital for production and business activities. This focus was particularly on the "tam nong" sector and other priority industries aligned with the guidance of the Government and the SBV.

Alongside its business operations, the bank is actively promoting digital transformation, developing modern banking services, expanding cashless payments, and enhancing customer experience. Agribank is also strengthening its governance and risk management capabilities according to international standards, fostering green credit, financial inclusion, and implementing social welfare programs nationwide.

Minh Ngoc