Look further ahead

Since the beginning of July 2025, deposit interest rates at many banks have edged up. This has encouraged people to deposit money in banks. The reason this trend continues is that, compared to inflation, savings interest rates remain positive in real terms. People prefer safe, less risky returns compared to real estate and stocks.

- But if deposit interest rates rise, lending interest rates will have to be pushed up similarly. Will this deter borrowers?

- Banks are in the business of money, so profit is always their top priority. However, the current policy from the State Bank of Vietnam is to support businesses and the economy by reducing interest costs. Therefore, it is predicted that lending interest rates will remain stable until the end of this year. Nevertheless, mobilizing a larger total amount of money will still generate solid profits for commercial banks.

- What other growth potential does the bank have?

Notably, many banks have recently facilitated the flow of capital to start-up businesses. The advantage of this approach is that the lending interest rates are much lower than the stringent conditions from venture capital funds. This cheap capital from banks promises to be a crucial part of creating billion-dollar businesses in the future. Many new things will come when businesses and banks look further ahead together.

TU QUEO

Source: https://www.sggp.org.vn/nhin-xa-hon-post804979.html