Currently, the savings interest rates of many banks have increased by about 0.3 - 0.8%/year compared to the beginning of the year.
On average, the banking system receives about 9,000 billion VND in deposits from residents every day. This number will continue to increase by the end of the year. savings interest rate is on an upward trend and the banking channel is still the investment channel and safe haven chosen by many people in the current context.
Currently, the average savings interest rate of many banks has increased by about 0.3 - 0.8%/year compared to the beginning of the year. And the 6% interest rate for one-year term deposits has appeared sporadically and has been applied by some private commercial banks since mid-November. Although the profit is only about 6%/year, many people still choose to deposit money in banks to earn interest.
Mr. Nguyen Anh Quan - Dong Da District, Hanoi said: "Previously, I invested 40% in other channels because of the high profitability, but also the high risk. Therefore, I have now reduced it to 20%. And I also realize that with the bank's savings interest rate increasing day by day, I still confidently choose it."
Ms. Phung Hai Yen - Thanh Tri District, Hanoi shared: "The interest rate now has improved a bit compared to the beginning of the year. So I still choose to temporarily save at this time, saving is appropriate."
Safe, profitable and almost risk-free. These are the advantages that make bank savings chosen by many people. Especially in the context of other investment channels still being uncertain.
Ms. Le Thi Hong Hoa - Thanh Xuan District, Hanoi commented: "I think depositing in the bank is the safest. I don't know how to play stocks, real estate is too high, at this time depositing in the bank is the best".
Although the savings interest rate tends to increase at the end of the year, there will not be too many fluctuations because the trend of cutting interest rates and loosening monetary policy is the main trend both domestically and internationally.
Ms. Nguyen Thi Huong - Deputy General Director of ABBank commented: "From now until the end of the year, the interest rate level will not have any pressure to increase but will remain at the current level. That is also a favorable condition for banks to continue to consolidate and maintain the stability of capital sources and develop and expand lending."
According to the latest statistics of the State Bank, currently, the amount of money that people deposit into the banking system is about 7 million billion VND. This amount of money will help the banking system have abundant resources to lend at reasonable and stable interest rates.
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