A financial report analysis of 24 Vietnamese banks shows that the average Current and Savings Account (CASA) ratio of the banks rose from 17 percent in 2020 to 19.4 percent in late 2021.
A client conducts a bank transaction at Sacombank. (Photo: dangcongsan.vn)
Hanoi (VNS/VNA) - A financial report analysis of 24 Vietnamesebanks shows that the average Current and Savings Account (CASA) ratio of thebanks rose from 17 percent in 2020 to 19.4 percent in late 2021.
Techcombank led the field with the highest CASA ratio of 50.5 percent,equivalent to total non-term deposits of 158.9 trillion VND (6.99 billion USD).
MB came in second with a climb of 47.3 percentage points, to about 48.7 percent.
MSB surpassed Vietcombank to secure third with around 37.7 percent.
Kienlongbank was among the banks with the fastest-growing CASA, increasing 5.8times to 15.5 percent.
BacABank followed suit with a roughly twofold increase, to 3.3 percent lastyear.
The uplift in CASA could also be observed in the other banks, including VIBwith an increase of 4.1 percentage points and TPB with 3.9 points.
As non-term deposits incur almost no cost of capital, banks with higher CASAare more likely to enjoy higher net interest income.
Accordingly, non-term deposits are taking up an increasing portion of banks’capital structure.
While some banks managed to raise their non-term deposits to nearly half oftotal deposits, others still kept it below 20 percent.
Experts believe a low CASA ratio indicates that some banks are still clingingto wholesale banking and have yet to expand to other market segments.
However, as CASAs give depositors immediate access to their deposits, it alsocreates uncertainty regarding when money is withdrawn.
Consequently, a high CASA ratio comes with a high risk of deposit withdrawalduring times of volatile interest rates.
The Government has recently called for the reconsideration of a directive thatrequires banks to bring down their ratio of short-term capital for medium- andlong-term loans.
That means the ratio is not going to be adjusted down as planned in the shortterm.
Banks with a high CASA ratio are expected to benefit greatly from thereconsideration./.
Many banks have increased their interest rates to attract more depositors after getting a credit growth quota expansion from the State Bank of Vietnam (SBV).
The State Bank of Vietnam (SBV) has to continually inject money to support the liquidity of the banking system as the capital demand and interest rates on the interbank market have remained high though the Tet (Lunar New Year) holiday has ended.
Though enterprises and individuals need the Government’s large economic recovery packages to rebound from the pandemic, the Government should consider limiting the participation of commercial banks in the packages to help them avoid bad debt risks, experts suggest.
Banks have been increasing the attraction of deposits to have enough capital for the credit needs of customers. Credit demand is expected to increase from the first quarter of this year.
The new Government decree also simplifies loan procedures while expanding credit incentives to include organic and circular agriculture, allowing them to access preferential terms similar to those of high-tech and value-chain based agricultural production.
Developed with state-of-the-art infrastructure, the Da Nang FTZ is designed to become a leading regional economic centre and a strategic growth pole in Vietnam’s new development landscape.
The Binh Duong Association of Supporting Industries (BASI) is expected to promote the usage of domestically manufactured components while supporting businesses in accessing international markets, strengthening linkages, and promoting deeper integration into global supply chains.
PwC Vietnam forecasts a vibrant M&A market in Vietnam’s healthcare sector in 2025, driven by rising demand for high-quality medical services and a growing middle class. Pharmaceutical companies, private hospitals, and specialised medical facilities, particularly in ophthalmology and oncology, are predicted to be key targets for M&A.
The central province of Quang Nam is set to become a hub for the medicinal plant industry, with Ngoc Linh ginseng designated as the core crop, under the Prime Minister's decision issued earlier this year.
The North-South Expressway project is scheduled for completion by 2030, aiming to establish the groundwork for Vietnam’s modern railway industry and stimulate regional economic development, positioning the country for a significant economic leap in the era of national rise.
The probe, initiated on June 11 following a petition by the US Coalition for Fair Trade in Hardwood Plywood, targets products classified under HS Code 4412 and 9403 imported from China, Indonesia and Vietnam.
Sun PhuQuoc Airways was born as a perfect piece in Sun Group’s strategic vision to build a premium ecosystem of tourism, entertainment, real estate, and aviation. With a pioneering ambition, Sun PhuQuoc Airways is not just an airline, but a symbol of connection – bringing the world to Phu Quoc and taking Phu Quoc to the world.
A key change in the draft decree is a provision requiring bank transfers for gold transactions valued at 20 million VND (765 USD) and above, to enhance transparency and verify customer identities.
In the first four months of 2025, trade turnover between Vietnam and Cambodia surpassed 3 billion USD, marking a 7% increase compared to the same period in 2024.
On June 19 alone, a total of 2,005 trucks completed customs clearance at Lang Son’s border gates — the highest single-day figure ever recorded in the province. Of these, 634 carried exports and 1,371 imports.
The OECD Economic Surveys: Vietnam 2025 report focuses on analysing the country’s macroeconomic fundamentals, the impact of international integration on attracting foreign investment and trade, and the country’s prospects for developing a low-carbon economy.
Antoine Colin, Senior Vice President for Global Supply Chain Digital Transformation & Resilience at HP Inc., affirmed HP’s strategic commitment to building a supply chain and ecosystem in Vietnam and the region.
Deputy Director General of the Ministry of Industry and Trade (MoIT)’s Trade Promotion Agency Bui Quang Hung emphasised that logistics has evolved from a technical function into a core capability for Vietnamese exporters to maintain their competitive advantage in the US market.
A trade official has suggested companies work closely with shipping lines, airlines, and freight forwarders to monitor routes, transit times, and potential surcharges while exploring broader cargo insurance to cover risks like war and terrorism.
In addition to institutional reform, the agency is also rolling out key solution groups to combat counterfeit goods, imitations, and intellectual property infringements in the digital environment.
The event, co-organised by the Vietnam Trade Office in the UK and TT Meridian, a local importer of Vietnamese fresh produce, aims to build a national lychee brand and encourage broader recognition of Vietnamese fruits in a competitive, high-end market.
The industry's performance has been powered by bold investments in modern production lines, enabling Vietnamese firms to produce complicated products which were exclusive to advanced economies.
A client conducts a bank transaction at Sacombank. (Photo: dangcongsan.vn) 
