Along with the reduction in deposit interest rates, lending interest rates of credit institutions have also decreased to support businesses. According to the State Bank, in 2023, the average lending interest rate decreased by 1.3% compared to the beginning of the year. In 2024, the average lending interest rate decreased by 1.4%. In 2025, from the beginning of the year until now, lending interest rates have decreased by 0.8%.
According to Deputy Governor of the State Bank of Vietnam Dao Minh Tu, in the coming time, the State Bank will closely monitor interest rates to ensure both proactiveness for commercial banks and sharing with businesses by reducing costs and interest rates for loans of all terms.
The State Bank will proactively operate tools to create conditions for commercial banks to have liquidity and capital without having to increase mobilized capital. This will also be one of the tools the State Bank will proactively operate from now until the end of the year.
Source: https://baoquangnam.vn/nhieu-ngan-hang-thuong-mai-giam-lai-suat-huy-dong-3151127.html
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