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Vietnam banks H1-Q4 2026: Growth, liquidity, and rate shifts

Overview

Vietnam’s banking sector maintained strong momentum through much of 2026, characterized by record deposits and significant asset expansion. By June, total deposits reached 17.44 quadrillion VND. In September 2026, the State Bank of Vietnam (SBV) intervened to support the system after overnight interbank interest rates surged to 7% per annum, injecting nearly 48 trillion VND through repurchase agreements. Following this intervention, interbank liquidity improved. By early October, overnight rates dropped to between 0.72% and 0.99% per annum.

To address a disconnect between low interbank rates and high business costs, the SBV issued Official Dispatch No. 9736/NHNN-CSTT. This directive mandates that commercial banks reduce average deposit rates for terms of six months or longer by at least 0.5% per year compared to rates reported between October 11 and October 20, 2026. The SBV warned that non-compliance could result in penalties, such as the reduction of credit growth quotas. In response, VIB launched a 15 trillion VND credit package with rate reductions of up to 1.5% per year, Sacombank introduced a 20 trillion VND preferential package for individuals with cuts of 1.5% to 2% per year, and Techcombank announced 40 trillion VND in programs offering up to 2% reductions for production and commerce businesses.

Addressing the National Assembly, SBV Governor Pham Duc An noted that short-term deposits account for approximately 80% of total system deposits. He stated these funds remain stable due to frequent rollovers and that mobilizing short-term capital helps banks maintain lower costs to reduce lending rates. The SBV is also collaborating with SME associations to improve credit accessibility and transparency.

Entities

State Bank of Vietnam · Vietcombank · BIDV · Agribank · VPBank

Claims

What the coverage asserts, and how many sources carry each claim.

Timeline

  1. [BUSINESS] 9 sources
    Vietnam State Bank Governor discusses monetary policy and capital access

    Vietnam's State Bank Governor Pham Duc An defended the stability of short-term deposits and discussed strategies to support economic growth and improve credit access for SMEs.

  2. [BUSINESS] 14 sources
    Vietnam banks implement interest rate cuts to support businesses

    Vietnamese banks are cutting lending and deposit rates following State Bank directives to support businesses and production, though some sectors still face high capital costs.

  3. [BUSINESS] 16 sources
    Vietnam State Bank mandates interest rate reductions

    The State Bank of Vietnam has ordered commercial banks to cut deposit rates for terms over 6 months by at least 0.5% and lower lending rates to support the economy, threatening to reduce credit quotas for non-m

  4. [BUSINESS] 17 sources
    Vietnam banking and securities sectors show mixed Q3 2026 results

    Vietnam's Q3 2026 financial reports show major banks like VPBank and Techcombank hitting profit milestones, while many securities firms face sharp earnings declines due to market volatility.

  5. [BUSINESS] 19 sources
    Vietnamese banks cut interest rates following State Bank directive

    Vietnamese banks are cutting deposit and lending rates following a State Bank of Vietnam directive to support businesses and economic growth through reduced financing costs.

  6. [BUSINESS] 14 sources
    State Bank of Vietnam directs banks to reduce lending interest rates

    The State Bank of Vietnam has directed banks to reduce lending rates by 1.5-2% for priority sectors. Agribank will begin implementing a 2% rate cut on October 19 to support businesses and production.

  7. [BUSINESS] 5 sources
    Vietnamese banks offer varying savings rates for mid-October

    Vietnamese banks show varying savings rates for mid-October, with BAC A Bank and digital platforms like Cake by VPBank offering higher returns compared to traditional banks.

  8. [BUSINESS] 7 sources
    Vietnam banking sector sees shifting interest rates and liquidity trends

    Vietnam's interbank overnight rates have dropped below 1%, yet consumer and business loan costs remain high as banks offer deposit rates exceeding 9% to attract capital.

  9. [BUSINESS] 6 sources
    Vietnam banks plan US$7 billion in share sales to fuel growth

    Vietnamese banks plan to raise nearly US$7 billion through share sales to meet high credit demand and regulatory standards, while VAMC shifts focus toward developing a formal debt trading market.

  10. [BUSINESS] 5 sources
    Vietnam banking sector sees higher LDR limits and rising deposit competition

    Vietnam's State Bank has raised the loan-to-deposit ratio ceiling to 95% to boost credit, while banks compete for deposits with interest rates exceeding 9% to address capital shortages.

  11. [BUSINESS] 3 sources
    Vietnamese bank savings rates show significant variation

    Vietnamese bank savings rates show wide variation as of early October, with ACB leading at 7.8% for 12-month terms, while the Big 4 banks maintain 6.8% and SCB offers the lowest at 3.7%.

  12. [BUSINESS] 5 sources
    State Bank of Vietnam raises maximum loan-to-deposit ratio to 95%

    The State Bank of Vietnam has raised the maximum loan-to-deposit ratio to 95% and introduced a roadmap for new LCR and NSFR liquidity standards starting in 2028.

  13. [BUSINESS] 7 sources
    Vietnam interbank overnight rates drop to 0.2% amid market shifts

    Vietnam's interbank overnight rates fell to 0.2% amid shifting liquidity, while HDBank updated deposit rates and experts noted rising but differentiated interest rate pressures.

  14. [BUSINESS] 13 sources
    Vietnam banking sector sees shifting interest and exchange rates

    Vietnam's banking sector sees interbank overnight rates drop to 1%, while retail deposit rates vary from 6.6% to 9.6% and credit card rates rise toward 48%.

  15. [BUSINESS] 2 sources
    Vietnam financial sector faces rising capital demand and credit risks

    Vietnam's financial market sees rising capital demand as SHB seeks international bond issuance, while VIS Rating warns of increasing credit concentration risks in the securities sector.

  16. [BUSINESS] 8 sources
    Vietnam banking sector sees liquidity shifts and retail awards

    Vietnam's banking sector sees rising interbank rates and central bank liquidity interventions, while HDBank wins major regional retail awards and individual payment accounts continue to grow.

  17. [BUSINESS] 7 sources
    Vietnam average lending rates rise to 10.7% in August

    Vietnam's average lending rate rose to 10.7% in August, up 0.2% from July, as banks face pressure from rising deposit costs and liquidity demands.

  18. [BUSINESS] 5 sources
    Vietnam approves banking modernization and credit reform scheme

    Vietnam has approved a plan to modernize its banking system by 2030, aiming to resolve weak credit institutions, end preferential lending to corporate groups, and improve SME access to capital.

  19. [BUSINESS] 20 sources
    Vietnam targets economic growth through improved credit and infrastructure funding

    Vietnam is working to boost economic growth by improving credit access for SMEs, mobilizing international capital for infrastructure, and modernizing banking and housing regulations.

  20. [BUSINESS] 8 sources
    Vietnam banking sector offers credit insurance and savings management advice

    Financial guidance for Vietnamese savers emphasizes strategic deposit laddering, choosing appropriate interest payment terms, and utilizing credit insurance to mitigate rural livelihood risks.

  21. [BUSINESS] 6 sources
    Quảng Ninh police prosecute man for illegal bank account trading

    Authorities in Quảng Ninh prosecuted a man for illegally trading 27 bank accounts and bypassing biometrics, while Vietnamese banks face high interest rates and ongoing debt recovery efforts.

  22. [BUSINESS] 2 sources
    Vietnamese banks show varying savings interest rates

    Savings interest rates in Vietnam show significant variation across 35 banks, with ACB and Sacombank offering high rates while the Big4 group maintains steady mid-range levels.

  23. [BUSINESS] 7 sources
    Vietnam financial sector updates: Treasury digitization and banking interest rates

    Vietnam's State Treasury is digitizing public investment payments while commercial banks offer diverse savings rates, ranging from 6.8% at state banks to 9.2% through specific digital bank promotions.

  24. [BUSINESS] 3 sources
    Vietnam banking sector: Interest rate variations and new debt collection rules

    Vietnamese banks report varying deposit rates, with some offering up to 5.90%. New regulations also mandate principal-first debt collection for overdue loans.

  25. [BUSINESS] 3 sources
    Vietnam depositors terminate savings accounts early for higher rates

    Vietnamese depositors are increasingly terminating savings accounts early to switch to higher negotiated interest rates, which can reach 8-9% per annum, significantly higher than standard listed rates.

  26. [BUSINESS] 10 sources
    Vietnam banking sector faces rising overdue debt and liquidity pressures

    Vietnam's banking sector faces rising overdue debt (3.8%) and liquidity pressures, even as Q2 2026 profits rise and banks commit 408,000 billion VND to support SMEs and economic growth.

  27. [BUSINESS] 5 sources
    Vietnam financial sector: High executive pay and bank capital shifts

    Vietnamese financial reports show high executive pay at securities firms like HSC, while NCB aims to double its capital and OCB reports a 30% profit increase for the first half of 2026.

  28. [BUSINESS] 7 sources
    Vietnam banking sector undergoes regulatory and liquidity shifts

    Vietnam's banking sector sees record consumer deposits exceeding 11 quadrillion VND amid new SBV regulations on fraud prevention, small-value loan thresholds, and capital adequacy requirements.

  29. [BUSINESS] 3 sources
    Vietnamese bank savings interest rates remain stable

    Vietnamese bank savings rates remain stable, with ACB offering the market high of 7.8% for 12-month terms, while the Big4 group maintains a consistent 6.8% rate.

  30. [BUSINESS] 2 sources
    VPBank leads Vietnamese banks with record asset growth

    VPBank added 242,000 billion VND to assets in H1 2026, a 19.2% rise that outstrips BIDV and Agribank combined, while NCB posted the fastest growth rate at 21.6%.

  31. [BUSINESS] 4 sources
    Vietcombank raises average loan interest rate to 7.5% in June 2026

    Vietcombank’s average loan rate hit 7.5% in June 2026, up from 7.2% in May, marking the fifth month of increases and widening the loan‑deposit spread to 3.6%.

  32. [BUSINESS] 3 sources
    Vietnam banks keep deposit rates steady, ACB tops at 7.8% for 12‑month

    A survey of 34 Vietnamese banks on Aug 4 shows deposit rates remain stable; ACB leads with 7.8% for 12‑month deposits, LPBank follows at 7.3%, while state‑owned banks keep rates around 6.8%.

  33. [BUSINESS] 3 sources
    Vietnam bank shares surge on earnings and new LDR rule

    Vietnamese bank shares jumped on Aug 3, with MBBank up 6.7% and most banks gaining after Q2 earnings and a new LDR rule, while July had seen a broad decline in bank market cap.

  34. [BUSINESS] 3 sources
    Vietnam's Military Bank MB offers 7% top deposit rate for 24‑60 month term

    Vietnam's Military Bank MB posted a 7% annual rate for 24‑60 month online deposits, with lower rates for shorter terms. Experts advise matching deposit length to cash‑flow needs and using multiple terms forFlex

  35. [BUSINESS] 5 sources
    Vietnam banks hold deposit rates steady as July‑August survey shows

    Vietnam’s deposit rates stayed stable in early August, with ACB leading at 7.8% for 12‑month terms and state banks holding at 6.8%, keeping the market spread unchanged.

  36. [BUSINESS] 5 sources
    BVBank Leads Massive Profit Surge Among Vietnamese Banks in H1 2026

    Vietnamese banks saw a profit surge in H1 2026, led by BVBank’s 486% rise, while employee wages rose at LPBank and Techcombank but fell at VPBank.

  37. [BUSINESS] 4 sources
    Vietnam banks post mixed H1 profits as deposits rise above 9%

    Vietnam's major banks show divergent H1 2026 profits, with some posting sharp losses while others surge, as competition pushes deposit rates past 9% annually.

  38. [BUSINESS] 2 sources
    Vietnam's PVcomBank approves 12,000 billion dong capital increase

    PVcomBank approved a 12 trillion‑dong capital boost while Vietnam’s banks posted JPY to VND rates around 156‑168 VND per yen on 21 July 2026.

  39. [BUSINESS] 4 sources
    ABBank boosts capital to near 16.1 trillion dong after share issuance

    ABBank issued ~209.6 million shares, increasing its charter capital to roughly 16.1 trillion dong to bolster capital ratios, credit growth, and digital initiatives.

  40. [BUSINESS] 3 sources
    Vietnam banks post profit surge as digital transactions climb

    Vietnamese banks saw strong H1 2026 profit growth, led by VPBank’s 68% profit jump and HDBank’s digital transactions up 35% in volume and 106% in value, signaling rapid cashless banking adoption.

  41. [BUSINESS] 2 sources
    Vietnam banks keep online deposit rates stable in July

    July surveys show Vietnamese banks' online deposit rates stayed steady, with ACB topping at 7.3 % for 12‑month deposits and the state‑owned Big 4 at 6.8 %.

  42. [BUSINESS] 4 sources
    Vietnam banks hold deposit rates steady as market stabilises

    Vietnamese banks kept deposit rates stable in mid‑July, with ACB offering the peak 7.3% for 12‑month deposits and most rates staying between 6.6%‑6.9%, though some reports cite a possible 9.2% rate for a 13‑‑​

  43. [BUSINESS] 9 sources
    Vietnamese banks post profit surge as deposit rates climb and NPLs diverge

    Vietnamese banks report strong half‑year profits, divergent NPL trends and a race to raise deposit rates, while digital banking usage surges.

  44. [BUSINESS] 3 sources
    Vietcombank posts 9.8% asset growth in first half of 2026

    Vietcombank’s assets rose 9.8% to VND 2.67 million trillion in H1 2026, credit to key sectors grew 8%, non‑performing loans stayed under 1%, and it launched QR cross‑border payments via Alipay+ in 60+ countries

  45. [BUSINESS] 3 sources
    Agribank launches 15,000 billion dong bond sale and secures 29.7 trillion dong capital boost

    Agribank opened a 15 trillion‑dong bond sale and received a 29.7 trillion‑dong capital injection, boosting its charter capital to 81.3 trillion VND and reinforcing agricultural financing in Vietnam.

  46. [BUSINESS] 4 sources
    Vietnam banks show steady rates, profit surge and Agribank capital increase

    Vietnam banks kept deposit rates steady (ACB up to 7.3%), ABBank posted an 80% profit rise, VietinBank assets hit 3 quadrillion VND, Agribank loan book passed 2 quadrillion VND and received a VND 9.5 trillion资本

  47. [BUSINESS] 2 sources
    Vietnam interbank rates surge to 13% as central bank provides short‑term liquidity

    Vietnam’s interbank overnight rate jumped to 13 % on 30 June; the central bank responded with a one‑week USD/VND swap and VND auctions to ease liquidity pressure.

  48. [BUSINESS] 2 sources
    Vietnam banks' 12‑month deposit rates hover between 6.8% and 7.3% in late June

    Vietnam's banks show stable deposit rates in late June, with ACB at 7.3% for 12‑month terms and state‑owned banks holding 6.8%, while rates range down to 3.7%.

  49. [BUSINESS] 2 sources
    Saigonbank Tops Vietnam Deposit Rates with 7.2% for 12‑Month Term

    Saigonbank leads Vietnam’s 12‑month deposit rates at 7.2 %, while the Big 4 hold 6.8 % and other banks range down to 3.7 %.

  50. [BUSINESS] 2 sources
    Vietnam banks keep short‑term deposit rates at 4.75% as ceiling

    Vietnam’s top banks hold 3‑month deposit rates at the 4.75% ceiling, while Saigonbank offers the highest 12‑month rate at 7.2%.

  51. [BUSINESS] 3 sources
    Vietnam banks' June deposit rates: ACB tops at 7.3% annual

    June 2024 Vietnamese deposit rates show ACB leading at 7.3% annual; state‑owned banks hold 6.8%, while rates range from 3.7% to 7.3% across institutions.

  52. [BUSINESS] 2 sources
    Vietnam banks' deposit rates diverge, ACB leads with 7.3% annual yield

    Vietnam's June surveys show deposit rates split, with ACB at 7.3% the highest and state banks at 6.8%; the gap between top and bottom rates is about 3.6 points.

  53. [BUSINESS] 2 sources
    Bank Deposit Rate Pressures Spur Competition and Margin Squeeze

    Rising deposit rates and emerging stablecoin competition are squeezing bank margins, prompting higher‑rate offers and AI‑driven deposit strategies, with Vietnam banks seeing NIMs fall in Q1 2026.

  54. [BUSINESS] 3 sources
    Vietnam Household Bank Deposits Reach Record 10.56 trillion VND

    Vietnam’s household bank deposits hit a record 10.56 trillion VND in March 2026, up 2.19% YoY, as banks raise savings rates to 7‑9% amid abundant idle cash.

  55. [BUSINESS] 4 sources
    Vietnam banks offer up to 7% annual savings rates, widening gap across institutions

    Vietnam banks' 12‑month savings rates range from 3.7 % to 7 %, a 3.3‑point spread that can add tens of millions of VND in interest on a 1 billion VND deposit.

  56. [BUSINESS] 3 sources
    Vietnam banks keep savings rates near 7% as fraud warnings rise

    Vietnam’s major banks hold term‑deposit rates around 7% annually, with state banks at 6.8% for 12‑month terms. Promoted yields may reach 7.5‑8%, but authorities warn of scams offering 8‑9%+ returns.

  57. [BUSINESS] 3 sources
    Vietnam's banks face deposit rate disputes and scam warnings

    Agribank announced deposit rates up to 6% and a prize draw, warning of high‑yield scams. A court upheld a Vietnamese bank’s automatic renewal of savings accounts, denying an elderly man’s claim for original‑era

  58. [BUSINESS] 2 sources
    Vietnamese banks lift savings deposit rates in June 2026

    Agribank's June 2026 rates top out at 6 % for 24‑month deposits, while Cake by VPBank offers up to 8.9 % for new savers and 8.7 % for existing customers with bonuses on longer terms.

Sources

afamily.vn · anninhthudo.vn · baocalitoday.com · baochinhphu.vn · baogialai.com.vn · baohatinh.vn · baolaocai.vn · baotintuc.vn · baoxaydung.vn · biz.cafef.vn · cafebiz.vn · cafef.vn · congnghevadoisong.vn · dantri.com.vn · dientuungdung.vn · doanhnghiephoinhap.vn · doanhnghieptiepthi.vn · en.baoquocte.vn · erzsebetter.hu · finopotamus.com · genk.vn · giadinh.suckhoedoisong.vn · giaoducthoidai.vn · giavang.net · htv.vn · insideretail.asia · it-boltwise.de · kenh14.vn · kienthuc.net.vn · kinhdoanhvaphattrien.vn · lubicsszilvi.webnode.hu · m.afamily.vn · m.dantri.com.vn · m.kenh14.vn · m.soha.vn · mattran.org.vn · mekongasean.vn · moitruong.net.vn · nhandan.vn · nowjakarta.co.id · phunuvietnam.vn · reatimes.vn · soha.vn · sputniknews.vn · thanhnien.vn · thoibao.de · thoibaonganhang.vn · thoibaotaichinhvietnam.vn

This summary has been updated 41 times: see revision history