Interest Rates on October 31 at Agribank, Vietcombank, BIDV, VietinBank, MB, VPBank, Techcombank, Sacombank, HDBank,...

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• Governor: People deposit a lot of money because they trust the banking system

  Governor Phạm Đức Ấn explained that credit still carries most of the economy's capital needs because Vietnamese people keep depositing savings, reflecting trust in the banking system, and he expects this balance to shift as capital markets become more attractive. Although short-term deposits make up 80% of total deposits, people roll them over continuously, so deposits function as stable, long-term funding. As of end-August, household deposits reached over 11.43 million billion VND, up nearly 1.1 million billion VND (10.6%) since the start of the year; over the latest five months, net deposit inflows averaged 175,000 billion VND a month, nearly 2.4 times the average of the five months before. After nine months, credit grew 12.27%, deposit rates rose 1.42% while lending rates rose only 0.99%, and real estate lending grew 9.84%. He also urged SMEs to operate more transparently and not keep two balance sheets, so banks can assess their financial health when lending.

  VnExpress·31/10, 05:30▲ ACB▲ BID▲ CTG▲ EIBbanksinterest ratescredit
• Interest rates on October 30 at Agribank, Vietcombank, BIDV, VietinBank, MB, VPBank, Techcombank, Sacombank, HDBank,...

  A survey of online deposit rates at 35 banks as of 30/10/2026 shows wide gaps between banks and terms. Most banks list 4.75% per year for 3-month deposits, while GPBank is at 3.7% per year and SeABank at 3.95%. For 12-month terms, MBV, PGBank, Sacombank, VCBNeo and VIB each list 7% per year, and VPBank leads the 18-month term at 7.4% per year. Notably, longer terms do not always pay more: Techcombank falls from 6.25% per year at 12 months to 5.35% at 18 months, and VIB from 7% to 5.9%. The rates shown are published online rates for individual customers and may vary by deposit amount and method.

  CafeF·30/10, 01:05• BID• CTG• HDB• MBBinterest ratesbankssavings accounts
• What interest rates do MB, VPBank, Techcombank, Sacombank, SHB, HDBank and ACB offer on 24-month deposits under VND 1 billion on October 29?

  Based on published rate tables, VPBank offers the highest counter rate for 24-month deposits under VND 1 billion at 6.9% per year, followed by MB at 6.5%, Sacombank at 6.3% (for VND 500 million to under VND 2 billion), SHB at 5.9%, HDBank and ACB at 4.9%, and Techcombank at 4.85%. For online deposits, Sacombank leads at 7.3% per year for the VND 500 million to under VND 2 billion group, followed by VPBank at 7.1%, MB at 6.5%, SHB at 6.2%, Techcombank at 5.35%, and HDBank at 5%. ACB's online table shows terms only up to 12 months, so no 24-month rate is available for comparison. The gap between the highest and lowest online rates in the table is 2.3 percentage points per year. The article notes that rates may change over time and by bank policy, and that the rate actually applied depends on the agreement between the bank and the depositor.

  CafeF·29/10, 14:17interest ratesbankssavings accounts
• Surprisingly 'ultra-low' deposit rates at SCB

  Saigon Joint Stock Commercial Bank (SCB) has cut deposit rates across all terms, now listed at 0.01% to 1.18% a year depending on term. The article says SCB's 12-month rate is about 5% below state-owned banks and up to 7% below private banks. Other banks have also cut: SaigonBank has brought most terms below 7% a year, VPBank has lowered its 6–11-month rate to 6.6% for deposits under 10 billion dong, and Sacombank has reduced its 24–36-month rate from 7.8% to 7.3% a year for deposits of 500 million dong or more. The State Bank of Vietnam has asked banks to cut average deposit rates for new terms of 6 months or more by at least 0.5% a year in the final months of 2026, and to reduce lending rates by 1.5–2% a year for production, business and priority sectors.

  CafeF·29/10, 00:09• VNINDEXinterest ratesbankssavings accounts
• Interest Rates on October 29 at Agribank, Vietcombank, BIDV, VietinBank, MB, VPBank, Techcombank, Sacombank, HDBank,...

  A survey of online deposit rates at 35 banks on October 29, 2026 shows wide gaps between banks and across terms. For the 18-month term, VPBank leads at 7.4% per year, while five banks (MBV, PGBank, Sacombank, VCBNeo and VIB) each list 7% per year for 12 months. SCB has the lowest 12-month rate at 0.6% per year, 6.4 percentage points below the top. For 6 months, PGBank is highest at 6.9% per year, while 4.75% per year is the common 3-month rate, with SCB at only 0.1% per year.

  CafeF·28/10, 23:00• BID• CTG• HDB• MBBinterest ratesbankssavings accounts
• VietinBank launches overdraft loan secured by online deposits

  VietinBank has launched an overdraft loan secured by online deposits on its VietinBank iPay Mobile app, letting customers access funds without withdrawing early from unmatured savings deposits. The credit limit can reach 90% of the deposit value and no more than 10 billion VND, is maintained for up to 12 months, and cannot exceed the remaining term of the deposit. Interest is charged only on the amount and number of days actually used, at the deposit rate plus a margin set by VietinBank, currently 3.5% per year. Eligible individual customers aged 18 or older with no group 2 or bad debt can register and disburse 24/7 in the app, while accumulation deposits and flexible-withdrawal deposits are excluded.

  CafeF·28/10, 13:00VietinBankbanksinterest rates

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• The Force Behind Zelensky Defying Trump's Order

  Russian Deputy Prime Minister Alexander Novak said on October 30 that Ukraine resumed drone attacks on three Russian oil refineries and one gas chemical complex, causing light damage to one facility. Presidential adviser Yuri Ushakov said Ukraine was ignoring President Trump's call to stop the attacks and was counting on European support. According to the Wall Street Journal, Ukraine had informally paused attacks on Russian refineries from mid-October under U.S. pressure, out of concern that rising global fuel prices would hurt Washington before the midterm elections on November 3. President Zelensky denied a full halt order, saying the military had only become more cautious. The Kremlin said the attacks would not hinder preparations for talks between Russia, Ukraine and the U.S.

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• Vietnam City Holds 8.8 Billion Tons of ‘Black Gold,’ 3.6 Billion Tons Lie Less Than 300m Underground

  Quang Ninh, which accounts for over 90% of Vietnam's national coal reserves, is estimated to hold 8.8 billion tons of coal, with 3.6 billion tons less than 300 meters deep. Coal was long the province's economic backbone, but the mining share of its economy fell from about 35% in 2010 to 8.11% of GRDP in 2025 as the locality shifted toward green development, services and processing industries. Quang Ninh's economy grew nearly 10% a year on average over 2021–2025 and rose 11.89% in 2025, with GRDP reaching 368,445 billion VND and per-capita GRDP of $10,402. Since September 1, Quang Ninh has officially become the eighth centrally run city of Vietnam, after the National Assembly approved its establishment with all attending delegates voting in favor.

  CafeF·31/10, 08:37▲ PVD▲ PVTminingcoalGDP growth
• Amazon Plans to Spend More on AI. Here’s Why the Stock is a Once-in-a-Decade Buy Hiding in Plain Sight.

  Amazon reported earnings below estimates and a deeper-than-expected negative free cash flow, while saying it plans to spend “meaningfully more” on AI next year; the stock fell afterward and was down 14% from its August high. AWS revenue grew 39% to $46 billion, and the company kept its capital spending forecast for the year at $220 billion. Trailing 12-month free cash flow was negative $42 billion due to property and equipment purchases. CEO Andy Jassy said AWS, now at a $184 billion annual run rate, could become a trillion-dollar revenue business within five to 10 years; the author argues the worries about AI spending may be overdone and that Amazon is reasonably priced at 30x forward earnings.

  Yahoo Finance·31/10, 08:30▲ AMZN▲ NVDAAMZNAI investmentcloud computing
• President Donald Trump Claims, "Tariffs Are Making Us Much Richer," but Economists Show They Have Unintended Consequences

  President Trump has said tariffs are making the U.S. much richer and bringing in “trillions of dollars,” but the article cites research showing a more complicated picture. The Tax Foundation projects the tariffs will raise $1.426 trillion in revenue over 2026–2035, while also reducing full-time-equivalent employment by 338,000 jobs and cutting GDP by 0.4%. Three New York Fed economists estimate that the 2025 tariffs added 2.9 percentage points to goods price inflation by February 2026, and that without them goods prices would have fallen slightly. They estimate a 10% across-the-board tariff raises consumer goods prices by 2.6% after one year, mostly through pricier imports and partly through higher input costs for U.S. producers.

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• Deputy PM: Electricity Prices Expected to Fall 2%, Gasoline Special Consumption Tax Cut to 0%

  The government is directing Vietnam Electricity (EVN) to cut costs to lower retail electricity prices by about 2% until March 31, 2027, and plans to cut the special consumption tax on gasoline from 7% to 0% from November to the end of 2026, at a cost of about 4,000 billion VND. Deputy Prime Minister Nguyen Van Thang said these measures create about 0.07 percentage points of room to keep inflation within the National Assembly's 4.5% target, while nine-month CPI rose 4.52%. Nine-month GDP grew about 9.01%, but reaching 10% for the full year requires fourth-quarter GDP growth of 12.5%, which the government calls a very big challenge but not impossible. Public investment disbursement exceeded 720 trillion VND as of October 29, above 75% of the plan, and the government has allocated 3.15 million billion VND of the 3.42 million billion VND in medium-term public investment capital approved by the National Assembly.

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• Here's Why I Haven't Bought SpaceX Stock and Probably Never Will

  The author says he has not bought SpaceX (SPCX) even though the stock rose 25% over the three months to October 22, mainly because he does not fully understand the company, despite its leadership in space launches, satellite communications and AI. He cites other concerns: a price-to-sales ratio of about 58 versus 3.5 for the S&P 500, a profit only in the most recent quarter, cash burn of around $10 billion in that quarter, no dividend, and doubts about CEO Elon Musk's leadership. The author considers the case against the stock strong, since many things would have to go right for the company, which is far from guaranteed.

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