Hanoi (VNA) – The deposit interest rates at majorbanks has continued to decrease since the beginning week of September.
With its adjustment from 5.6 percent to 5.5 percent annuallyfor 12-36 month-term savings, the Bank for Investment and Development ofVietnam (BIDV) and the Vietnam Bank for Agriculture and Rural Development (Agribank) are maintaining the lowest rates in the banking sector, like the Joint Stock Commercial Bank for Foreign Trade of Vietnam(Vietcombank).
Meanwhile, the Vietnam Joint StockCommercial Bank for Industry and Trade (VietinBank) keep itsdeposit interest rate at 5.6 percent for savings from 12 months. Interest rates for savings with terms from 1-3 months arevaried from 3.1-3.4 percent per annum, while the rate for 6-9-month savings is 4percent per year.
Reductions between 0.2-0.4 percent has been seen in depositinterest rates for different saving terms in joint stock commercial banks.
Statistics from the State Bank of Vietnam showed that the interest rates havebeen at the lowest level in many years.
However, some banks have still kept deposit interest rates at over 7 percent perannum for large savings, including the Asia CommercialBank (7-7.3 percent), Techcombank (7.1 percent), and MSB (7 percent).
Economist Nguyen Tri Hieu held that in order to helpbusinesses overcome COVID-19 impacts, it is necessary to set up credit complex inassociation with a Credit Guarantee Fund with a total loan limit of 300 trillion VND with the engagement of banks at a participation rate of about 3percent of each bank's outstanding loans./.
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Commercial banks have continuously announced lending interest rate reductions to support and accompany customers to overcome the adverse impacts of the COVID-19 pandemic.
The State Bank of Vietnam (SBV) has issued a Decision 1349/QD-NHNN on interest rates applicable to reserve requirement deposits and excess reserves of credit institutions and foreign banks’ branches in the SBV.
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Illustrative image (Source: VNA) 
