Previously, from September to November 2025, the average lending interest rate across the entire system increased by approximately 0.44% per year.
According to information from Vietnam Foreign Trade Commercial Bank ( Vietcombank ), the average lending interest rate has increased to 5.8% per year, marking the second consecutive month that the bank has adjusted lending interest rates upwards. Previously, Vietcombank maintained a rate of 5.6% per year for a long period, before slightly increasing it to 5.7% in November 2025 and further increasing it by 0.1% in December.
The spread between average deposit and lending interest rates at Vietcombank widened to 2.8%, higher than the 2.7 percentage points maintained for the previous four months.
Notably, the interest rate spread after deducting expenses, an indicator that most accurately reflects the profitability of lending activities, increased to 1.3%, compared to the 1.1-1.2 percentage point range recorded in the period from August to November 2025.
Meanwhile, at the Vietnam Investment and Development Bank ( BIDV ), the average lending interest rate increased to 5.6% per year, up from the previous 5.47-5.48% per year. The average difference between deposit and lending interest rates is around 2.5%.
In December, the "Big 4" banks, including the Vietnam Agricultural and Rural Development Bank ( Agribank ), Vietcombank, Vietnam Joint Stock Commercial Bank for Industry and Trade (VietinBank), and BIDV, simultaneously adjusted their over-the-counter savings interest rates upwards across all maturities, with increases of 0.3 - 0.6% per year. This marks the first time these state-owned banks have increased deposit interest rates after more than three years of continuous downward adjustments, maintaining interest rates at record lows.
Source: https://hanoimoi.vn/lai-suat-cho-vay-binh-quan-tang-o-ca-nhom-ngan-hang-big4-730001.html
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