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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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Following the banking operations meeting held on April 9, 2026 and chaired by the Governor of the State Bank of Vietnam Pham Duc An, Sacombank implemented a reduction of 0.5 percentage points per year in both deposit and lending rates across multiple tenors, effective April 10, 2026.
The move aligns with government and State Bank of Vietnam policy to lower market interest rates, supporting households and businesses to access capital at reasonable costs as the economy works to maintain growth.
The adjustment applies to both deposit and lending rates, reflecting Sacombank’s approach to balancing depositor protection with lower funding costs for borrowers, particularly individuals and small- and medium-sized enterprises.
A Sacombank representative said: “This is a concrete step in flexible interest-rate management, aligned with market conditions and prudent liquidity management that Sacombank has pursued consistently for many years. The bank has always held that profitable operations and responsibility to the community are not two opposing objectives but should be balanced.”
In practice, Sacombank said its interest-rate policy is operated transparently and in compliance. The bank stated that deposit-rate schedules and service fees are disclosed publicly at counters and online. It also said it directs funds toward government priority sectors and international trade.
Sacombank’s 2025 financial statements show a net interest margin (NIM) of 2.86%, reflecting the spread between deposit and lending rates at a reasonable, stable level.
Going forward, Sacombank said it will continue to closely follow the State Bank’s policy direction, implement interest-rate policies in line with market developments, and contribute to macroeconomic stability and sustainable growth.
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…
