Several banks are now actively involved in financing key national infrastructure projects. For example, Agribank has signed a major credit contract with the Airports Corporation of Vietnam (ACV).

Previously, Vietcombank also contributed to funding projects such as the Lao Cai - Vinh Yen Power Transmission Line, Nhon Trach 3 and 4 Power Plants, and Long Thanh International Airport.

Meanwhile, VIB is also involved in financing important infrastructure projects such as BOT, power generation, transmission, and most recently, part of the 500kV transmission line project.

VIB representative said the bank is ready to deploy credit packages from 5,000 to 10,000 billion VND, with preferential interest rates about 1% lower than the normal level, to accompany the State's key policies.

Economists say that, in the context of exports possibly being affected by new US tariff policies, to achieve the GDP growth target of 8% or more in 2025, boosting investment in infrastructure will be one of the key solutions. This is also an important goal in the capital injection of banks.

Ms. Phung Thi Binh, Deputy General Director of Agribank, affirmed that the bank is ready to support businesses, especially in terms of interest rates, but requires clarity on responsibilities in lending so that the bank can implement with peace of mind.

According to Dr. Le Xuan Nghia, an economic expert, banks will focus on lending to many important infrastructure projects this year, such as airports, highways, train stations and satellite cities.

He also predicted that from the end of 2025, a series of major projects will be implemented, with an expected annual investment of at least 8-10 billion USD into the economy, and to mobilize enough capital for these projects, in addition to the budget, strong participation from banks will be needed.

The banking industry has actively implemented synchronous solutions to promote credit growth, serving the capital needs of production and business enterprises and enterprises investing in infrastructure and digital technology.

Credit institutions have provided large amounts of capital for the fields of transport infrastructure, electricity and digital technology, helping businesses implement projects and contributing to the country's socio-economic development.

To encourage investment and free up social resources, a credit package of about VND500,000 billion will be deployed. The State Bank of Vietnam (SBV) has held a meeting with commercial banks (CBs) to implement this program, receiving the banks' approval.

Deputy Governor of the State Bank of Vietnam Dao Minh Tu said that the main resources will be mobilized from commercial banks, and banks will have to balance capital sources to lend appropriately. Loans within the framework of this credit package must still ensure credit conditions, without lowering standards, but there will be support mechanisms regarding interest rates, terms, and co-financing mechanisms.

For effective implementation, the Deputy Governor requested commercial banks to proactively calculate and balance resources, and be ready to register to participate in the Credit Program in accordance with the instructions. Banks will base on the list of key projects in the transport, electricity and digital technology sectors to determine lending subjects and appraise projects in accordance with the law.

Regarding interest rates, commercial banks will determine and publicize lending interest rates, while ensuring support for customers to reduce capital costs, helping to promote investment in infrastructure and digital technology.

Mr. Nguyen Kim Hung, Chairman of the Board of Directors of Kim Nam Group, shared that capital for private enterprises mostly depends on banks. In order for enterprises to make a breakthrough, he suggested that the banking industry have policies to support innovative lending, because without investment in technology, enterprises will have difficulty developing.