Deposits at banks are diversified.

VTV.vn - Bank deposits in the first quarter showed strong divergence, with many banks experiencing a decline in deposits despite a slight increase of 0.26% in total deposits across the entire system compared to the end of 2025.

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According to financial reports from 27 listed banks, by the end of the first quarter, total customer deposits reached approximately VND 12.88 million billion, an increase of VND 32.9 trillion compared to the end of 2025, representing a modest increase of 0.26%. Notably, 12 out of 27 banks recorded a decrease in deposits, reflecting a clearly differentiated capital mobilization picture right from the beginning of the year.

In terms of size, the top 5 banks, including BIDV , VietinBank, Vietcombank, MBBank, and VPBank, hold approximately 56.1% of the total deposits of the 27 listed banks, equivalent to more than 7.23 trillion VND.

BIDV continued to lead with approximately 2.14 trillion VND in customer deposits; however, in the past quarter, this bank recorded a decrease of over 82 trillion VND in customer deposits. Techcombank saw a decrease of over 19.1 trillion VND, and Sacombank a decrease of approximately 17.6 trillion VND.

Conversely, 15 banks recorded deposit growth in the first quarter, notably HDBank , VPbank, and Vietinbank.

Many banks have recently launched various interest rate incentive programs for individual customers to attract deposits. According to analysts, in the context of a still volatile financial market, interest rates are expected to continue to differentiate between different groups of banks and deposit terms in the coming period.

Deposit interest rates generally remain stable, but may increase slightly at some banks or for medium- and long-term maturities to strengthen capital and meet liquidity needs, given the ongoing competition for deposits and the banking sector's target of approximately 15% credit growth in 2026.

Source: https://vtv.vn/tien-gui-tai-cac-ngan-hang-co-su-phan-hoa-100260522104143612.htm