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Giấy phép số 4978/GP-TTĐT do Sở Thông tin và Truyền thông Hà Nội cấp ngày 14 tháng 10 năm 2019 / Giấy phép SĐ, BS GP ICP số 2107/GP-TTĐT do Sở TTTT Hà Nội cấp ngày 13/7/2022.
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Smart factory transformation is not only a race to purchase technology, but more importantly a revolution in management thinking, workforce quality, and the ability to connect the value chain. Building smart factories is the destination of modern manufacturing. Facing fierce global competition and increasingly stringent requirements for cost optimization and…
Deposit rates have not cooled yet, as many commercial banks continue launching new deposit products with high returns to attract idle funds from residents. A customer in Ho Chi Minh City reported receiving an offer with deposit rates up to 8.2% per year, depending on the term: 4.75% per year for 1–5 months, 8.1% for a 6-month term, and 8.2% for a 12-month term.
Alongside high-rate deposits, some banks are issuing certificates of deposit to mobilize funds at attractive rates. Vietcombank has issued online certificates of deposit via VCB Digibank with denominations starting at 100,000 VND, offering 7.5% per year for 6 months and 7.9% per year for 12 months.
Vietcombank’s standard savings rates for the same tenors are 3.5% for 6 months and 5.9% for 12 months, meaning funds placed in certificates of deposit can yield about 2–4 percentage points more. While early withdrawal is not permitted, Vietcombank has improved liquidity by allowing customers to sell certificates of deposit through VCBS on the bank’s mobile app.
BVBank has also launched certificates of deposit with a minimum participation of 10 million VND, offering 7.6% per year for 6 months and 7.8% per year for 15 months. BVBank’s standard savings rates for these tenors are 6.55% and 6.75% per year, respectively.
On April 9, Asia Commercial Bank (ACB) issued certificates of deposit for corporate customers at 7.5% per year. The product is traded 100% on the ACB ONE BIZ mobile app, with a minimum investment of 10 million VND.
SHS’s April 2026 strategy report takes a cautious view of banks raising funding costs. SHS estimates that a 1% increase in deposit rates could raise total interest expenses across the economy by about 184 trillion VND per year, warning that this pressure would quickly erode enterprises’ cost of capital.
Inflation is gradually entering the broader economy. In March 2026, CPI rose 4.65% year-on-year, the highest in five years, largely attributed to rising fuel costs.
To address the combined pressure from deposit rates and inflation, Dr. Nguyen Tri Hieu, a finance and banking expert, suggests that in addition to fiscal measures such as tax relief or liquidating fuel stabilization funds, the State Bank should flexibly manage liquidity in the interbank market. He also recommends strengthening cross-lending among commercial banks and using flexible policy-rate adjustments to ease the burden on household borrowing costs and help keep overall funding costs in check.
At a government press conference in March 2026, officials said the interest-rate environment is under pressure from two factors: intense competition from alternative investments since late 2025, and credit disbursement accelerating faster than mobilization.
The SBV said it will monitor data closely, coordinate monetary and fiscal policy, and use liquidity-support tools to maintain market stability.
Premium gym chains are entering a “golden era” that is ending or already in decline, as rising operating costs collide with shifting consumer preferences toward more flexible, community-based ways to exercise. Long-term memberships are shrinking, margins are pressured by higher rents and facility expenses, and competition from smaller, more personalized…
