Cash flow is dispersed, and capital raising is increasing slowly.

(Baohatinh.vn) - Capital mobilization activities at bank branches in Ha Tinh province are still facing difficulties as funds tend to be dispersed into many other investment channels.

By the end of May, the total mobilized capital in Ha Tinh province was estimated at 131,700 billion VND, an increase of 5,453 billion VND (4.3%) compared to the beginning of the year and an increase of nearly 1,000 billion VND compared to the previous month (0.77%).

By the end of May, the total mobilized capital in the area under the management of the State Bank of Vietnam Region 8 (including 3 provinces: Nghe An , Ha Tinh, and Quang Tri) was estimated at VND 605,987 billion, an increase of 4.6% compared to the beginning of the year. Compared to other provinces in the region, Ha Tinh ranked second in terms of growth, with estimated capital reaching VND 131,700 billion, an increase of VND 5,453 billion (4.3%) compared to the beginning of the year and an increase of nearly VND 1,000 billion compared to the previous month (0.77%). Although these figures show an increase, in reality, the growth rate is lower than the same period last year (in the same period of 2025, mobilized capital in the entire region increased by 7%); banks still face significant pressure to retain funds.

According to reports from 40 bank branches in Ha Tinh province, most are facing difficulties in raising capital. Even major banks like BIDV , Vietcombank, and VietinBank, which have large deposit volumes, are not immune to this trend. Many banks have witnessed the "evaporation" of trillions of dong from the system, resulting in lower deposit volumes by the end of May compared to the beginning of the year.

Since mid-May, the rate of deposit growth has slowed down, and even declined somewhat across all banks.

Some banks such as SHB, OCB, SeABank, HDBank... recorded positive growth in capital mobilization, but retaining deposits and customers is not easy.

Ms. Tran Thi Thuong, Head of Customer Service at SHB Ha Tinh Branch, stated: “By the end of May, the total capital mobilization across the branch reached VND 3,700 billion, achieving 120% of the 6-month plan. This result was achieved thanks to the branch proactively implementing early capital mobilization solutions, strengthening customer care, and diversifying deposit products to suit each customer segment. However, from mid-May until now, capital mobilization has begun to face more difficulties as money in the market tends to shift to other investment channels. At times, the amount of money customers withdraw in a single day reaches VND 20-30 billion, creating considerable pressure on the branch's target of increasing deposits by VND 750 billion by the end of this year.”

SHB Ha Tinh is implementing various flexible solutions to "retain" mobilized capital.

According to bank analyses, this decline is quite "seasonal." Typically, April, May, June, and July each year are the months when money is withdrawn from the system to meet the production and business needs of enterprises, while the money flow in the household is not as abundant as at the beginning and end of the year. In addition, the drop in gold prices has increased demand for hoarding; the real estate market, although not yet booming, is still considered an attractive investment period. This causes idle money to continue to be dispersed instead of flowing strongly into the banking system.

Another factor is that, compared to the beginning of April, deposit interest rates at banks have tended to decrease. The listed deposit interest rates are commonly between 6.4% and 6.5% per year for 6-month terms, with the highest rate being 8.5% per year for 6-12 month terms, causing people to hesitate and lose interest. Meanwhile, lending interest rates have not decreased to the expected levels, forcing many businesses to withdraw deposits to supplement working capital, import raw materials, pay for orders, and expand production. This is the reason why the outflow of money from the banking system is trending upwards in the middle months of the year, creating considerable pressure on the capital mobilization efforts of credit institutions.

Mr. Tran Xuan Dung, Director of OCB Ha Tinh Branch, stated: “Currently, total deposits at the branch have reached VND 540 billion, an increase of VND 150 billion compared to the beginning of the year. However, for smaller banks, the pressure to increase deposits is always significant because their competitiveness in terms of brand, network, and customer base is not as strong as that of larger banks. Along with proposing to the head office to apply flexible interest rates, the branch is focusing on improving service quality, the digital ecosystem, and customer care policies. The goal is to maintain stable deposits while ensuring reasonable interest rates in accordance with the State Bank of Vietnam's directives to support businesses in developing production and business.”

Shifting to a new competitive strategy, prioritizing improved quality of products and services, is the choice of many banks in the "race" to retain deposit sources.

A new competitive strategy, prioritizing improved quality, products and services, digital banking, and launching prize-winning savings programs, is the choice of many banks in the "race" to retain deposit sources. In particular, many banks are actively diversifying their funding sources and optimizing the ratio of current account deposits (CASA), meaning increasing demand deposits from individual and corporate customers instead of relying too heavily on high-interest term deposits.

By the end of May, the total outstanding loans in Ha Tinh province reached VND 136,470 billion, an increase of 7.7% compared to the beginning of the year, nearly double the growth rate of capital mobilization. This gap reflects the persistent liquidity pressure and also shows that the challenge of capital mobilization will remain a major obstacle for banks in the remaining months of the year.

Source: https://baohatinh.vn/dong-tien-phan-tan-huy-dong-von-tang-cham-post311682.html