At the “Agro-Aquatic Conference: Solutions Amidst Volatility” held on December 16th, experts introduced tailored financial solutions to support agro and aquatic businesses in strengthening their financial foundations. This empowers them to confidently seize opportunities and bring Vietnamese-branded products to the global market.
The upcoming period is not a time for easy growth.
 Dr. Nguyen Xuan Thanh – Senior Lecturer in Public Policy, Fulbright University Vietnam
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According to Dr. Nguyen Xuan Thanh – Senior Lecturer in Public Policy, Fulbright University Vietnam, Vietnam’s economy is projected to grow by approximately 8% in 2025. However, positive indicators do not fully reflect the real challenges businesses are facing.
Looking ahead to 2026, ambitious growth targets present significant challenges. Macroeconomic policy management will directly impact businesses’ access to capital and financing costs. Public investment remains a key growth driver but also puts pressure on credit and interest rates. “The upcoming period is not a time for easy growth. Businesses need to prepare for a prolonged period of volatility, with pressures on capital, interest rates, exchange rates, and competition. Enhancing financial capacity, risk management, and adaptability will be as crucial, if not more so, than short-term growth,” emphasized Dr. Thanh.
Businesses need to proactively develop risk management strategies
“Agro-Aquatic Conference: Solutions Amidst Volatility” held on December 16th, 2025
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Additionally, the legal environment is rapidly evolving. According to Ms. Dang Mai Kim Ngan – Deputy General Director of Deloitte Vietnam, the 2025-2026 period will see significant adjustments in VAT, corporate income tax, and global minimum tax, directly impacting business operations, particularly in agriculture and exports. Tax authorities are increasingly shifting towards risk-based and data-driven management models, raising compliance requirements. Tax risks extend beyond financial implications, affecting a company’s reputation and legal liability. In this context, businesses need to proactively develop tax risk management strategies, integrated with corporate governance and technology adoption, to enhance adaptability and sustainable development.
Mr. Ngo Tan Long – Deputy General Director of ACB stated: “Businesses can find optimal solutions for capital, costs, and effective financial management, contributing to stable and sustainable development. A strong financial foundation is a crucial factor in strengthening a company’s internal capabilities and enhancing its market competitiveness.”
The bank introduced a set of financial solutions specifically designed for agro and aquatic businesses, focusing on three key objectives: meeting capital needs, managing foreign exchange, and optimizing operations.
Business loans provide flexible financing throughout the entire export cycle, from pre- and post-shipment financing to outright purchase of documents after shipment, helping to shorten capital recovery time. Businesses can access unsecured working capital loans of up to 80% of contract value, facilitating timely procurement during peak seasons.
Foreign exchange management helps businesses hedge against risks associated with exchange rate and interest rate fluctuations. When using online international money transfer services, businesses also benefit from preferential rates and can lock in exchange rates for up to 48 hours, saving time and optimizing costs.
Furthermore, standardized operations and optimized cash flow are achieved through digitized payment and collection processes, payroll services, QR code transactions, and integration with accounting systems and distributor financing. Along with various service incentives, these solutions enhance transparency, reduce processing times, and lower operational costs, meeting documentation and tax requirements.
A green credit package of 5,000 billion VND with interest rates 2-3% lower supports businesses in investing in emission reduction, traceability, and meeting sustainability standards.
– 15:15 16/12/2025
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