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People's deposits in banks set a record of more than 7 million billion VND

2024 is the first year that both deposits of people and economic organizations into the banking system exceed 7 million billion VND, setting a record, according to data released by the State Bank...

Báo Đắk NôngBáo Đắk Nông09/04/2025

According to the latest data released by the State Bank, residents' deposits at credit institutions by the end of December 2024 reached VND7,065 trillion, an increase of 8.15% compared to the end of 2023, setting a new record. This is also the first time residents' deposits in the banking system have reached over VND7 trillion.

Compared to the end of November 2024, the amount of savings deposits of residents increased by nearly 400,000 billion VND.

People's deposits in the credit institution system have continuously increased. In fact, deposit interest rates have not recovered as they did during the Covid-19 pandemic, but at the end of last year, banks continued to increase interest rates.

Last December alone, 12 banks adjusted their interest rates up, including Techcombank, BVBank, CBBank, DongA Bank, VPBank, VIB, OCB , MSB, GPBank, TPBank, ABBank and IVB. The interest rate of 6%/year still appears at some mid-range banks.

Tiền gửi của người dân vào ngân hàng lập kỷ lục hơn 7 triệu tỷ đồng - 1

People's deposits in banks reached a record of more than 7 million billion VND (Photo: Manh Quan).

The amount of savings deposits in the banking system of enterprises and economic organizations as of the end of December 2024 reached more than 7,667 trillion VND, an increase of 12.07% compared to the end of 2023. In December alone, banks mobilized an additional 463,000 billion VND in deposits from this group.

In general, total means of payment, excluding valuable papers, by the end of August this year reached more than 17.9 million billion VND, an increase of 11.97% compared to the end of last year.

In fact, in 2023 and 2024, commercial banks' deposit interest rates continuously increased to attract deposits. This year, in the first two months of the year, banks also started to increase interest rates.

However, as inflationary pressures are under control and monetary policy tends to loosen, banks have begun to reduce interest rates. This is assessed by securities companies to balance capital costs and promote credit growth.

Since the end of February, 26 banks have adjusted their deposit interest rates down. This move came after the Prime Minister ordered an urgent inspection of banks that had increased deposit interest rates recently.

The head of the Government requested strict handling of violations and failure to comply with the directive. In particular, the Governor of the State Bank needs to consider and decide on the use of management tools on credit growth limits and license revocation according to regulations.

Most experts believe that the State Bank will continue to operate interest rates stably to ensure they are consistent with the general interest rates of the economy as well as other macroeconomic indicators.

Deposit interest rates at banks are forecast to continue to decrease, but the decrease will not be too much. Increasing interest rates is very difficult. At the same time, lending interest rates at banks are expected to remain stable, even decreasing slightly in some priority areas.

Source: https://baodaknong.vn/tien-gui-cua-nguoi-dan-vao-ngan-hang-lap-ky-luc-hon-7-trieu-ty-dong-248824.html


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