銀行の削減が増え、「特別金利」もそれに応じて減少

[広告_1]

{"article":{"id":"2221503","title":"2023年12月1日の銀行金利：引き下げる銀行が増加、「特別金利」もそれに応じて減少","description":"12月1日の銀行金利は、調整する銀行が増加しました。「特別金利」も前日比で年率0.2%減少しました。","contentObject":"

HDBank は、1～13 か月の期間の預金金利を年 0.2% 引き下げることを発表しました。

オンライン預金の場合、1～5ヶ月間の預金金利は年3.65%に、6ヶ月間の預金金利は年5.5%に引き下げられます。7～11ヶ月間の預金金利は年5.2%に、12ヶ月間の預金金利は年5.7%に、13ヶ月間の預金金利は年5.9%に引き下げられます。

HDBankは、15～36ヶ月の期間の金利を引き続き維持しています。現在、15ヶ月の金利は年6.4%、18ヶ月の金利は年6.5%（オンライン預金市場で最高）、24～36ヶ月の金利は年6.3%です。

対面預金の金利も年0.2％減少しました。

HDバンクは、3,000億ドン以上の預金に対し、12ヶ月および13ヶ月の期間でそれぞれ年8%および8.4%の「特別金利」を引き続き適用しています。「特別金利」は昨日と比較して年0.2%減少しました。

11月最後の2日間で、Agribank、VietinBank、Vietcombank、BIDV、MB、Techcombankなど、一連の大手銀行が預金金利を引き下げました。

特に、ベトコムバンクは預金金利を前例のないほど低く引き下げ続けており、1～2か月の期間はわずか年2.4％、3～5か月の期間はわずか年2.7％、6～11か月の期間は3.7％、12～24か月の期間は4.8％まで下げています。

銀行が現金を余剰に抱える状況は、預金金利と貸出金利の両方の低下を引き起こします。

BVバンクは、2023年5月の株式発行による収益の使用の進捗状況を報告した。BVバンクは既存の株主に7,950万株以上を発行し、7,950億ドン以上を調達した。

同銀行は短期融資に99兆3,650億ドン、国債に4,000億ドン、市場融資に2,960億ドンを追加した。11月22日時点で、集められた資金は1ドンも支払われることなく、口座に残ったままだった。

過剰流動性は預金金利の低下につながりますが、多くの銀行は依然として預金者を引き付ける政策を維持しています。

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12月1日時点の銀行の最高預金金利（年率％）
銀行	1ヶ月	3ヶ月	6ヶ月	9ヶ月	12ヶ月	18ヶ月
PVCOMBANK	3.65	3.65	5.6	5.6	5.7	6
HDバンク	3.65	3.64	5.5	5.3	5.7	6.5
オーシャンバンク	4.3	4.5	5.5	5.6	5.8	5.8
ベトナム銀行	3.8	4	5.4	5.5	5.8	6.2
キエンロンバンク	4.55	4.75	5.4	5.6	5.7	6.2
ベトア銀行	4.4	4.4	5.4	5.4	5.7	6.1
NCB	4.25	4.25	5.35	5.45	5.7	6
バオビエトバンク	4.2	4.55	5.3	5.4	5.6	6
GPバンク	4.05	4.05	5.25	5.35	5.45	5.55
SHB	3.5	3.8	5.2	5.4	5.6	6.1
バック・ア・バンク	3.8	4	5.2	5.3	5.5	5.85
LPバンク	3.8	4	5.1	5.2	5.6	6
OCB	3.8	4	5.1	5.2	5.4	6.1
CBバンク	4.2	4.3	5.1	5.2	5.4	5.5
VIB	3.8	4	5.1	5.2		5.6
BVバンク	3.8	3.9	5	5.2	5.5	5.55
輸出入銀行	3.6	3.9	5	5.3	5.6	5.7
MSB	3.8	3.8	5	5.4	5.5	6.2
VPバンク	3.7	3.8	5	5	5.3	5.1
SCB	3.75	3.95	4.95	5.05	5.45	5.45
ナマバンク	3.6	4.2	4.9	5.2	5.7	6.1
サイゴンバンク	3.3	3.5	4.9	5.1	5.4	5.6
PGバンク	3.4	3.6	4.9	5.3	5.4	6.2
ドンア銀行	3.9	3.9	4.9	5.1	5.4	5.6
ABBANK	3.7	4	4.9	4.9	4.7	4.4
MB	3.3	3.6	4.8	4.9	5.2	5.7
TPバンク	3.6	3.8	4.8		5.35	5.7
サコムバンク	3.6	3.8	4.7	4.95	5	5.1
テクコムバンク	3.55	3.75	4.65	4.7	5.05	5.05
堰堤	3.8	4	4.6	4.75	5.1	5.1
ACB	3.3	3.5	4.6	4.65	4.7
アグリバンク	3.2	3.6	4.5	4.5	5.3	5.3
BIDV	3.2	3.5	4.5	4.5	5.3	5.3
ヴィエティンバンク	3.2	3.6	4.5	4.5	5.3	5.3
ベトコンバンク	2.4	2.7	3.7	3.7	4.8	4.8

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2023年12月1日（金）10:21

著者の投稿を見る

連載記事:どの銀行の貯蓄金利が最も高いのか?

12月1日の銀行金利は、再び調整されました。「特別金利」も昨日より年0.2%低下しました。

HDBank は、1～13 か月の期間の預金金利を年 0.2% 引き下げることを発表しました。

対面預金の金利も年0.2％減少しました。

11月最後の2日間で、 Agribank 、VietinBank、Vietcombank、BIDV、MB、Techcombankなど、一連の大手銀行が預金金利を引き下げました。

銀行が現金を余剰に抱える状況は、預金金利と貸出金利の両方の低下を引き起こします。

過剰流動性は預金金利の低下につながりますが、多くの銀行は依然として預金者を引き付ける政策を維持しています。

12月1日時点の銀行の最高預金金利（年率％）
銀行	1ヶ月	3ヶ月	6ヶ月	9ヶ月	12ヶ月	18ヶ月
PVCOMBANK	3.65	3.65	5.6	5.6	5.7	6
HDバンク	3.65	3.64	5.5	5.3	5.7	6.5
オーシャンバンク	4.3	4.5	5.5	5.6	5.8	5.8
ベトナム銀行	3.8	4	5.4	5.5	5.8	6.2
キエンロンバンク	4.55	4.75	5.4	5.6	5.7	6.2
ベトア銀行	4.4	4.4	5.4	5.4	5.7	6.1
NCB	4.25	4.25	5.35	5.45	5.7	6
バオビエトバンク	4.2	4.55	5.3	5.4	5.6	6
GPバンク	4.05	4.05	5.25	5.35	5.45	5.55
SHB	3.5	3.8	5.2	5.4	5.6	6.1
バック・ア・バンク	3.8	4	5.2	5.3	5.5	5.85
LPバンク	3.8	4	5.1	5.2	5.6	6
OCB	3.8	4	5.1	5.2	5.4	6.1
CBバンク	4.2	4.3	5.1	5.2	5.4	5.5
VIB	3.8	4	5.1	5.2		5.6
BVバンク	3.8	3.9	5	5.2	5.5	5.55
輸出入銀行	3.6	3.9	5	5.3	5.6	5.7
MSB	3.8	3.8	5	5.4	5.5	6.2
VPバンク	3.7	3.8	5	5	5.3	5.1
SCB	3.75	3.95	4.95	5.05	5.45	5.45
ナマバンク	3.6	4.2	4.9	5.2	5.7	6.1
サイゴンバンク	3.3	3.5	4.9	5.1	5.4	5.6
PGバンク	3.4	3.6	4.9	5.3	5.4	6.2
ドンア銀行	3.9	3.9	4.9	5.1	5.4	5.6
ABBANK	3.7	4	4.9	4.9	4.7	4.4
MB	3.3	3.6	4.8	4.9	5.2	5.7
TPバンク	3.6	3.8	4.8		5.35	5.7
サコムバンク	3.6	3.8	4.7	4.95	5	5.1
テクコムバンク	3.55	3.75	4.65	4.7	5.05	5.05
堰堤	3.8	4	4.6	4.75	5.1	5.1
ACB	3.3	3.5	4.6	4.65	4.7
アグリバンク	3.2	3.6	4.5	4.5	5.3	5.3
BIDV	3.2	3.5	4.5	4.5	5.3	5.3
ヴィエティンバンク	3.2	3.6	4.5	4.5	5.3	5.3
ベトコンバンク	2.4	2.7	3.7	3.7	4.8	4.8