ACB is reaffirming its position as the go-to financial partner for Vietnam’s textile and garment industry, unveiling a specialized financial solution package tailored to navigate the sector’s dynamic landscape in 2025. Despite global economic turbulence, the industry is poised for significant growth, with domestic and export performance surpassing expectations.
By year-end, Vietnam’s textile and garment exports are projected to reach $46 billion, marking a 5.6% increase from 2024. The United States remains the primary market, while Vietnam retains its position among the world’s top three exporters. A trade surplus of $21 billion underscores the sector’s vital role in the national economy. Additionally, the domestic value-added rate has risen to approximately 52%, reflecting enhanced self-sufficiency in raw materials—a longstanding challenge.
The Critical Role of Stable Financing
As Vietnam steps into an increasingly competitive global market, stable capital flows are essential for sustained growth. With a “quality-first” strategy and macroeconomic stability, the country continues to attract trust and orders from demanding international markets.
At ACB’s October conference, “Textile & Garment Industry – Supply Chain: Solutions Amid Volatility,” Mr. Vu Duc Giang, Chairman of the Vietnam Textile and Apparel Association (VITAS), emphasized the pivotal role of financial institutions in supporting Vietnamese enterprises. He highlighted the need for credit solutions that enable businesses to capitalize on market opportunities and withstand global economic fluctuations.
ACB Deputy CEO Ngo Tan Long reaffirmed the bank’s long-standing commitment to the textile and garment industry, announcing an expanded financing portfolio for 2025–2027. “We understand the unique challenges of this sector, which is why we’ve developed tailored solutions,” he explained. “These include unsecured lending based on cash flow, with credit limits up to twice the borrower’s equity, and medium- to long-term credit frameworks that facilitate machinery investment without repetitive assessments.”
VITAS identifies “Greenization – Digitalization” as the industry’s strategic focus for 2026, aligning with the global shift toward sustainable and eco-friendly fashion. In response, ACB has allocated VND5 trillion through its Green Credit Package, offering interest rates 2–3 percentage points lower than traditional loans.
As export targets rise for 2026, ACB reports growing demand for its exchange-rate and interest-rate hedging tools, alongside cost-effective international payment services. The bank has automated 70–80% of its online trade finance and international payment processes, significantly reducing processing times and enhancing convenience. All solutions are customized to meet the specific needs of each enterprise.
Textiles: A Magnet for Foreign Investment
According to the Department of Vietnam Customs, textiles and footwear ranked among the top six export groups of FDI enterprises in the first 10 months of 2025, generating $36.5 billion in export value. The sector continues to attract significant investment from South Korea, Taiwan, China, Hong Kong, Japan, and India, with over 3,000 projects operating nationwide.
To ensure effective deployment of capital and strengthen Vietnam’s position in the global textile supply chain, ACB offers stage-specific financial solutions for FDI enterprises. These include advisory and payment support during establishment; import financing and guarantees for factory construction; trade finance, medium- and long-term credit, and cash-flow management during production; and preferential international payment fees, foreign-exchange products, flexible credit, and ERP connectivity during expansion. ACB’s multilingual teams, proficient in English, Chinese, and Korean, streamline administrative processes and facilitate adaptation to Vietnam’s market conditions.
ACB representatives note that the bank is collaborating with corporate clients to develop year-round financial strategies for 2026. Many businesses have production schedules fully booked through the first quarter and are actively negotiating orders for the second. In regions affected by severe storms and flooding in northern and central Vietnam, ACB is offering preferential lending to support post-disaster reconstruction and ensure manufacturing continuity.
With financial solutions tailored to both domestic and foreign enterprises in the textile and garment sector, ACB underscores its commitment to meeting the industry’s evolving needs, regardless of market conditions.
For more information on financial solutions for textile and garment enterprises, visit any ACB branch or transaction office nationwide, or contact the 24/7 Contact Center at +84 28 38 247 247.
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