VietinBank has launched the Smart Pack solution package, designed to help investors and construction contractors access capital efficiently, reduce costs, and accelerate major project execution. The program offers comprehensive financial support at a time when integrated banking solutions are crucial for businesses to optimize capital flow and enhance project implementation capabilities.

Specifically, Smart Pack provides specialized financing and guarantee products to help businesses optimize capital flow. These include: advance payment for documents, loan guarantees, payment guarantees, UPAS L/C, and standby L/C. These tools are tailored for the construction industry, where projects often have long capital cycles and require various forms of financial assurance. They enable businesses to manage cash flow proactively, increase payment capacity for partners, and enhance financial credibility during project implementation.

Additionally, Smart Pack customers gain access to preferential loan capital for construction, procurement of materials and equipment, or project expansion.

In parallel with capital solutions, VietinBank also applies several fee incentives to help businesses reduce financial costs. The bank offers free bid bond guarantees and reduced fees for various services such as tiered guarantees, foreign currency transfers, account identification, payroll services, and the VietinBank eFAST digital banking platform. Customers also receive foreign exchange rate incentives of up to 250 points for foreign currency transactions, which is particularly beneficial for projects requiring machinery and equipment imports or payments to international partners.

Notably, the program also provides 200 complimentary guarantee and L/C subscription packages, offering businesses greater flexibility in utilizing trade finance and bank guarantee services – essential tools for bidding and implementing construction projects.

Smart Pack includes various policies and incentives for investors and contractors. *VietinBank*

Entering 2026, the construction industry is poised for significant growth, driven by a wave of public investment projected to exceed VND 1.1 quadrillion. Numerous projects, including airports, railways, and inter-regional transport systems, are generating substantial capital demand for investors and contractors. However, alongside these opportunities, construction businesses also face challenges such as rising material costs, demands for green transformation, and increasing pressure for stringent financial management.

A VietinBank representative expects that by combining capital solutions, guarantee services, and a digital banking platform, Smart Pack will serve as a financial catalyst, helping investors and construction contractors optimize costs and cash flow, enhance competitiveness, and achieve sustainable development.

Minh Ngoc