Since the beginning of 2025, the State Bank has operated monetary policy proactively, flexibly, promptly, effectively, and in close, harmonious, and synchronous coordination with fiscal policy and other policies. By the end of the first half of 2025, GDP reached 7.52%, the highest in the 2021-2025 period, with an average 6-month inflation rate of 3.27%, in line with the target set by the National Assembly .
The money and foreign exchange markets remained stable, and credit grew positively from the beginning of the year. As of July 29, 2025, system-wide credit increased by 9.8% compared to the end of 2024, up 19.75% compared to the same period last year. The State Bank has kept operating interest rates unchanged, while flexibly using monetary policy tools to support liquidity for credit institutions.
The average deposit interest rate for new transactions of commercial banks until July 20, 2025 is at 4.18%/year, stable compared to the end of 2024; the average lending interest rate is at 6.53%/year, down about 0.4 percentage points.
The credit institution system has implemented many programs to reduce lending interest rates, and at the same time, publicized interest rates on the website to facilitate customers' access to capital. The State Bank requires credit institutions to strictly implement the direction of the Government and the State Bank, continue to reduce costs, and be willing to share part of their profits to reduce lending interest rates, supporting people and businesses.
Source: https://quangngaitv.vn/ngan-hang-nha-nuoc-yeu-cau-tiep-tuc-giam-lai-suat-cho-vay-ho-tro-tang-truong-kinh-te-6505710.html
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