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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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Deposit rates have continued to rise since late 2025, but funding mobilization by credit institutions has remained weak in Q1, according to a report by the General Statistics Office – Ministry of Finance.
As of March 24, 2026, total payment instruments increased by 1.04% compared with the end of 2025, slower than the 1.89% rise recorded in the same period last year. Funding mobilization by credit institutions rose by only 0.44%, versus 1.23% in the same period of 2025.
Meanwhile, the economy’s credit growth reached 2.15%, close to 2.28% in the same period last year. The report notes that the pace of mobilization is significantly slower than credit growth.
Funding mobilization growth slowed even as deposit rates continued their upward trend. In February 2026, the average Vietnamese dong-denominated deposit rate at domestic commercial banks ranged as follows:
On the lending side, the average interest rate on new loans and outstanding credit was 7.1%–9.4% per year. Short-term lending rates for priority sectors hovered around 3.8% per year, below the 4.0% cap set by the State Bank of Vietnam.
In the foreign exchange market, the central rate in Q1 2026 remained broadly stable. As of March 31, 2026, the central rate was 25,102 VND per USD, up 0.23% from the end of February but down slightly 0.08% from end-2025.
At Vietcombank, the posted USD buy–sell rate stood at 26,107–26,357 VND per USD, with changes of +0.23% and -0.08% compared with the end of last year.
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