NCB Cuts Lending Rates by 0.5% Across All Segments, Prioritizing Capital for Key Economic Growth Drivers

National Citizen Commercial Joint Stock Bank (NCB) has launched a policy to reduce lending interest rates by 0.5% per annum across all loan packages for individual and corporate customers. The policy takes effect from August 11, 2026.

NCB has introduced the policy as the banking sector continues to implement measures to support funding, interest rates and access to credit, thereby helping unlock resources for production and business activities and supporting economic growth targets.

NCB cuts lending rates across all loan packages for both individual and corporate customers

Accordingly, for individual customers, the new preferential interest rates apply to a wide range of borrowing needs, including secured loans, production and business loans, individual home purchases and secured consumer loans. This helps ease financial cost pressures and provides customers with greater financial flexibility to pursue their production, business and consumption plans.

Meanwhile, small and medium-sized enterprises (SMEs) are entitled to a uniform interest rate reduction of 0.5% per annum across all loan tenors. NCB prioritizes preferential financing for green projects, the digital economy, construction enterprises and building material suppliers, particularly businesses participating in the supply chains of key national projects.

For large-scale enterprises operating within chains/ecosystems, NCB also applies a 0.5% per annum interest rate reduction, accompanying businesses in implementing large-scale infrastructure projects, particularly key national projects. This practical move by NCB demonstrates the bank’s role in accompanying enterprises as they pursue growth objectives and contribute strongly to national development in the new period.

Previously, NCB participated in financing and arranging capital for a number of major projects, including: the Convention and Exhibition Center, Theater, Park and infrastructure serving APEC; the Ben Nha Rong - Khanh Hoi Cultural Park and public green spaces along the Saigon River; the City Central Square and Administrative Center of Ho Chi Minh City...

Lower funding costs are also expected to help businesses take greater control of their financial resources, maintain and expand production and business activities, strengthen their capacity to implement projects and participate more deeply in value chains.

An NCB representative said, “The interest rate adjustment is one of the solutions proactively implemented by NCB to unlock resources for customers, particularly the business community, amid the economy’s strong growth. NCB aims to provide the right capital, to the right needs, at the right time, thereby contributing to the promotion of production and business activities and fast, robust and sustainable economic growth.”

Alongside pioneering and modern digital banking solutions, NCB continuously develops diverse credit programs for businesses, addressing needs ranging from working capital, production and business activities, and expansion investment to specialized sectors such as manufacturing, exports, public investment projects, ODA, and security and national defense. In 2026, the bank has also stepped up the rollout of non-credit solutions with various incentives on transaction fees, international payments…, helping businesses improve capital utilization efficiency. At the same time, NCB has strengthened dialogue with the business community and suppliers across all three regions of Vietnam, directly listening to their needs and challenges and working with customers to identify appropriate solutions.

Through practical policies closely aligned with the broader pace of development, NCB is effectively promoting its role as the “lifeblood” of the economy, fulfilling its commitment to accompany customers, particularly businesses and sectors that serve as key drivers of economic growth.