With the goal of supporting the economy under the direction of the Government and the State Bank of Vietnam, since the beginning of the year, commercial banks have tended to reduce capital mobilization interest rates, creating room to reduce and stabilize lending interest rates.
Accordingly, currently, in Ha Tinh , the highest normal mobilization interest rate for a 12-month term is 5.8%/year; the highest 18-month, 24-month and 36-month terms are 6.1%/year belonging to the non-state joint stock commercial bank sector.
As for state-owned banks (Vietcombank, Agribank , BIDV and VietinBank), the highest interest rate for regular deposits for 12 months is 4.7%/year and for 24 months is 4.8%/year. Compared to the period 2 years ago, the current deposit interest rate of "banks" has decreased by about 50%.
According to reports, although deposit interest rates have been low and stable recently, residential deposits at banks in Ha Tinh have continued to increase.
According to Mr. Tran Sy Thu - Deputy Director of Agribank Ha Tinh II Branch: From February 10, 2025 to present, the branch has implemented the "Happy New Year - Come and receive gifts" savings program with a total value of nearly 1.2 billion VND, attracting the participation of a large number of people in the area. Accordingly, the total mobilized capital of the branch as of June 17, 2025 reached 15,106 billion VND (an increase of 1,151 billion VND compared to the beginning of the year, a growth rate of 8.25%); of which, the capital of residents reached 13,327 billion VND, an increase of 6.55% compared to the beginning of the year and accounting for over 88% of the total domestic capital of the branch.
At Vietcombank Ha Tinh, although there is no savings program, the rate of customers depositing savings is still increasing steadily.
Ms. Hoang Thi Ngoc Thao - Head of Customer Service Department (Vietcombank Ha Tinh) said: The total mobilized capital of the entire branch currently reaches 19,124 billion VND, an increase of 7% compared to the beginning of the year; of which, residential deposits reach 16,400 billion VND, an increase of 10% compared to the beginning of the year. This is an important resource for the branch to increase lending, support corporate customers and individual customers to borrow capital for investment in production, business, consumption, etc.
Not only the “Big 4” group, at this time, the top non-state joint stock commercial banks in Ha Tinh such as: Bac A Bank, HDBank, ACB, Techcombank, SHB… all recorded positive capital growth. In particular, customers at these banks are mainly young customers (under 40 years old), technology savvy, so they choose to save online to enjoy preferential interest rates compared to saving directly at the counter.
Ms. Phan Thi Minh Thai - Head of Customer Service and Treasury Department (Bac A Bank Ha Tinh) said: Currently, the highest interest rate for regular deposits at Bac A Bank for a 12-month term is 5.8%/year, and for a term of 18-36 months is 6.1%/year. Compared to the previous period, the mobilization interest rate this time is not high, but many people still choose to save, so the branch's capital source is constantly increasing. Notably, in addition to the people, this time many officials, civil servants, and public employees receiving early retirement benefits have participated in long-term savings at the branch.
Ms. Le Thi Thuong (Tran Phu Ward, Ha Tinh City) shared: “For a long time, we have had the habit of saving money in the bank to accumulate and prepare for life. Although the current interest rate is low, we still choose to save money because this is a profitable investment channel, ensuring more safety than other investment channels such as: real estate, gold, stocks...”.
According to the explanation of credit institutions in Ha Tinh, in the context of interest rates not being as high as before, savings are still attractive to people because of their liquidity and high safety. Many people are still cautious, wanting to find a safe investment channel in the context of the economy still having many fluctuations and challenges; investment channels such as real estate, gold, stocks... still have many unpredictable fluctuations.
In general, stable capital mobilization interest rates for a long time are favorable conditions, creating room for credit institutions in the area to continue to reduce lending interest rates and maintain stable lending interest rates to support the economy.
According to Mr. Nguyen Huu Cuong - Director of Duc Tai Industrial Mechanical Joint Stock Company (Ha Tinh City): The company specializes in manufacturing machine parts for the domestic and export industries, agriculture, fisheries. In recent times, bank capital has been an important resource for the unit to carry out production and business activities. In the context of low mobilization interest rates, current lending interest rates are also "quite affordable", so the unit is confident in borrowing tens of billions of VND for investment.
According to the State Bank of Region 8, capital mobilization in Ha Tinh has continued to be promoted recently. Credit institutions have implemented many effective policies, thanks to which capital mobilization in the area has grown well.
As of May 31, 2025, the total mobilized capital of the Ha Tinh banking sector reached 117,820 billion VND, an increase of about 8% compared to the beginning of the year. Of which, savings deposits of residents reached 87,945 billion VND, an increase of about 10% compared to the beginning of the year and accounted for 74.7% of the total mobilized capital in the whole area.
Source: https://baohatinh.vn/lai-suat-huy-dong-thap-tien-gui-dan-cu-van-tiep-tuc-tang-post290165.html
Comment (0)