Over 20 banks are listing deposit interest rates of 9-10% a year, and smaller lenders are offering negotiable interest rates of up to 11.45% for deposits over a hundred million dong (VND100 million=$4,264).
Among 35 banks surveyed by VnExpress at the end of January, the highest interest rates at private banks for 12-month term deposits of VND1 billion or less ranged from 8% to 10% a year.
More than 20 banks listed interest rates above 9%.
In early December, only a dozen lenders were offering rates that high.
Late last month, the highest interest rates offered by state-run banks ranged from 7.5% to 8%.
Actual interest rates on the market, especially at small banks, are different from officially listed interest rates.
Negotiable interest rates often stand at 10-11% for a deposit of a hundred million dong or more at small banks.
Saigon Joint Stock Commercial Bank (SCB) is offering 11.45% interest for 12 months to customers who deposit over a hundred million dong at the counter, 1.5 percentage points higher than the interest rate given for online deposits of the same term.
National Citizen Bank (NCB) is offering customers who deposit over a hundred million dong at the counter an interest rate of 10.9% for a 12-month term.
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