銀行の削減が増え、「特別金利」もそれに応じて低下

[広告_1]

{"article":{"id":"2221503","title":"2023年12月1日の銀行金利：引き下げる銀行が増加、「特別金利」もそれに応じて減少","description":"12月1日の銀行金利は、調整する銀行が増加しました。「特別金利」も前日比で年率0.2%減少しました。","contentObject":"

HDBank は、1～13 か月の期間の預金金利を年 0.2% 引き下げることを発表しました。

オンライン預金の場合、1～5 か月の期間の銀行金利は年 3.65% に、6 か月の期間の銀行金利は年 5.5% に引き下げられます。 7～11 か月の期間の金利は年 5.2%、12 か月の期間の金利は年 5.7%、13 か月の期間の金利は年 5.9% です。

HDバンクは、15～36か月の期間の金利を据え置いています。現在、15 か月期間の金利は年 6.4%、18 か月期間は年 6.5% (オンライン預金市場で最高)、24 ～ 36 か月期間は年 6.3% です。

対面預金の金利も年0.2％減少しました。

HDバンクは、3,000億ドン以上の預金に対して、12か月および13か月の期間でそれぞれ年8％および8.4％の「特別金利」ポリシーを依然として適用している。「特別金利」は昨日に比べて年0.2％減少しました。

11月最後の2日間で、Agribank、VietinBank、Vietcombank、BIDV、MB、Techcombankなど、一連の大手銀行が預金金利を引き下げました。

特に、ベトコムバンクは預金金利を前例のないほど低く引き下げ続けており、1～2か月の期間はわずか年2.4％、3～5か月の期間はわずか年2.7％、6～11か月の期間は3.7％、12～24か月の期間は4.8％まで下げています。

銀行が現金を余剰に抱える状況は、預金金利と貸出金利の両方の低下を引き起こします。

BVBankは、2023年5月の株式発行による収益の使用の進捗状況を報告した。BVBankは既存の株主に7,950万株以上を発行し、7,950億VND以上を調達した。

同銀行は短期融資に99兆3,650億ドン、国債投資に4,000億ドン、市場融資に2,960億ドンを追加した。 11月22日現在、集められたお金は1セントも支払われることなく、まだ口座に残っている。

過剰流動性は預金金利の低下につながりますが、多くの銀行は依然として預金者を引き付ける政策を維持しています。

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12月1日時点の銀行の最高預金金利（年率％）
銀行	1ヶ月	3ヶ月	6ヶ月	9ヶ月	12ヶ月	18ヶ月
PVCOMBANK	3.65	3.65	5.6	5.6	5.7	6
HDバンク	3.65	3.64	5.5	5.3	5.7	6.5
オーシャンバンク	4.3	4.5	5.5	5.6	5.8	5.8
ベトナム銀行	3.8	4	5.4	5.5	5.8	6.2
キエンロンバンク	4.55	4.75	5.4	5.6	5.7	6.2
ベトア銀行	4.4	4.4	5.4	5.4	5.7	6.1
NCB	4.25	4.25	5.35	5.45	5.7	6
バオビエトバンク	4.2	4.55	5.3	5.4	5.6	6
GPバンク	4.05	4.05	5.25	5.35	5.45	5.55
SHB	3.5	3.8	5.2	5.4	5.6	6.1
バック・ア・バンク	3.8	4	5.2	5.3	5.5	5.85
LPバンク	3.8	4	5.1	5.2	5.6	6
OCB	3.8	4	5.1	5.2	5.4	6.1
CBバンク	4.2	4.3	5.1	5.2	5.4	5.5
VIB	3.8	4	5.1	5.2		5.6
BVバンク	3.8	3.9	5	5.2	5.5	5.55
輸出入銀行	3.6	3.9	5	5.3	5.6	5.7
MSB	3.8	3.8	5	5.4	5.5	6.2
VPバンク	3.7	3.8	5	5	5.3	5.1
SCB	3.75	3.95	4.95	5.05	5.45	5.45
ナマバンク	3.6	4.2	4.9	5.2	5.7	6.1
サイゴンバンク	3.3	3.5	4.9	5.1	5.4	5.6
PGバンク	3.4	3.6	4.9	5.3	5.4	6.2
ドンア銀行	3.9	3.9	4.9	5.1	5.4	5.6
ABBANK	3.7	4	4.9	4.9	4.7	4.4
MB	3.3	3.6	4.8	4.9	5.2	5.7
TPバンク	3.6	3.8	4.8		5.35	5.7
サコムバンク	3.6	3.8	4.7	4.95	5	5.1
テクコムバンク	3.55	3.75	4.65	4.7	5.05	5.05
堰堤	3.8	4	4.6	4.75	5.1	5.1
ACB	3.3	3.5	4.6	4.65	4.7
アグリバンク	3.2	3.6	4.5	4.5	5.3	5.3
BIDV	3.2	3.5	4.5	4.5	5.3	5.3
ヴィエティンバンク	3.2	3.6	4.5	4.5	5.3	5.3
ベトコンバンク	2.4	2.7	3.7	3.7	4.8	4.8

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2023年12月1日（金）10:21

著者の投稿を見る

連載記事:どの銀行の貯蓄金利が最も高いのか?

12月1日の銀行金利は追加の銀行調整を記録しました。「特別金利」も昨日に比べて年0.2％減少しました。

HDBank は、1～13 か月の期間の預金金利を年 0.2% 引き下げることを発表しました。

対面預金の金利も年0.2％減少しました。

11月最後の2日間で、 Agribank 、VietinBank、Vietcombank、BIDV、MB、Techcombankなど、一連の大手銀行が預金金利を引き下げました。

銀行が現金を余剰に抱える状況は、預金金利と貸出金利の両方の低下を引き起こします。

BVBankは、2023年5月の株式発行による収益の使用の進捗状況を報告した。BVBankは既存の株主に7,950万株以上を発行し、7,950億VND以上を調達した。

過剰流動性は預金金利の低下につながりますが、多くの銀行は依然として預金者を引き付ける政策を維持しています。

12月1日時点の銀行の最高預金金利（年率％）
銀行	1ヶ月	3ヶ月	6ヶ月	9ヶ月	12ヶ月	18ヶ月
PVCOMBANK	3.65	3.65	5.6	5.6	5.7	6
HDバンク	3.65	3.64	5.5	5.3	5.7	6.5
オーシャンバンク	4.3	4.5	5.5	5.6	5.8	5.8
ベトナム銀行	3.8	4	5.4	5.5	5.8	6.2
キエンロンバンク	4.55	4.75	5.4	5.6	5.7	6.2
ベトア銀行	4.4	4.4	5.4	5.4	5.7	6.1
NCB	4.25	4.25	5.35	5.45	5.7	6
バオビエトバンク	4.2	4.55	5.3	5.4	5.6	6
GPバンク	4.05	4.05	5.25	5.35	5.45	5.55
SHB	3.5	3.8	5.2	5.4	5.6	6.1
バック・ア・バンク	3.8	4	5.2	5.3	5.5	5.85
LPバンク	3.8	4	5.1	5.2	5.6	6
OCB	3.8	4	5.1	5.2	5.4	6.1
CBバンク	4.2	4.3	5.1	5.2	5.4	5.5
VIB	3.8	4	5.1	5.2		5.6
BVバンク	3.8	3.9	5	5.2	5.5	5.55
輸出入銀行	3.6	3.9	5	5.3	5.6	5.7
MSB	3.8	3.8	5	5.4	5.5	6.2
VPバンク	3.7	3.8	5	5	5.3	5.1
SCB	3.75	3.95	4.95	5.05	5.45	5.45
ナマバンク	3.6	4.2	4.9	5.2	5.7	6.1
サイゴンバンク	3.3	3.5	4.9	5.1	5.4	5.6
PGバンク	3.4	3.6	4.9	5.3	5.4	6.2
ドンア銀行	3.9	3.9	4.9	5.1	5.4	5.6
ABBANK	3.7	4	4.9	4.9	4.7	4.4
MB	3.3	3.6	4.8	4.9	5.2	5.7
TPバンク	3.6	3.8	4.8		5.35	5.7
サコムバンク	3.6	3.8	4.7	4.95	5	5.1
テクコムバンク	3.55	3.75	4.65	4.7	5.05	5.05
堰堤	3.8	4	4.6	4.75	5.1	5.1
ACB	3.3	3.5	4.6	4.65	4.7
アグリバンク	3.2	3.6	4.5	4.5	5.3	5.3
BIDV	3.2	3.5	4.5	4.5	5.3	5.3
ヴィエティンバンク	3.2	3.6	4.5	4.5	5.3	5.3
ベトコンバンク	2.4	2.7	3.7	3.7	4.8	4.8