Savings interest rates on November 1 at Agribank, Vietcombank, BIDV, VietinBank, MB, VPBank, Techcombank, Sacombank, HDBank,...

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• 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
• 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
• Savings rates fall to near 0% at one bank

  Ngan hang TMCP Sai Gon (SCB) cut its online savings rates for new individual customers to 0.1-0.7% per year from October 26, 2026, well below the system's general level. Deposits of 31, 39 and 45 days and 1 to 5 months earn 0.1% per year, 6 to 11 months 0.5%, 12, 13, 15 and 18 months 0.6%, and 24 and 36 months 0.7%, the highest in the table. For 100 million VND deposited for 12 months at 0.6% per year, interest at maturity is 600,000 VND; for 24 months at 0.7%, estimated interest is 1.4 million VND, assuming the rate holds and no early withdrawal. The move follows an October 21 directive from the State Bank of Vietnam requiring banks to cut average deposit rates by at least 0.5 percentage points per year for new deposits of six months or longer in late 2026. SCB has been under special control since 2022 and has shrunk from nearly 240 transaction points to about 8 across 6 localities.

  CafeF·28/10, 00:25interest ratessavings accountsState Bank of Vietnam
• Interest rates on October 28 at Agribank, Vietcombank, BIDV, VietinBank, MB, VPBank, Techcombank, Sacombank, HDBank,...

  Online deposit rates posted by 35 banks on October 28, 2026 vary widely by bank and term. For 12 months, MBV, PGBank, Sacombank, VCBNeo and VIB all list 7%/year, the highest in the survey, followed by BVBank at 6.9%/year. VPBank leads the 18-month term at 7.4%/year, while PGBank tops the 6-month term at 6.9%/year. SCB's rates are well below other banks, at 0.6%/year for 12 months and 0.1%/year for 3 months, while many banks list 4.75%/year for 3 months. The article notes that actual rates may change and depend on the agreement between each bank and the depositor.

  CafeF·27/10, 18:05• VNINDEXinterest ratesbankssavings accounts
• One bank cuts savings rates to nearly 0%

  Ngân hàng TMCP Sài Gòn (SCB) has cut online savings rates for newly opening individual customers to 0.1%–0.7% per year from October 26, with 12-month deposits at 0.6% and 24-month deposits at 0.7%. For a 100 million dong deposit, the article estimates interest of 600,000 dong over 12 months and about 1.4 million dong over 24 months, assuming the rate holds and there is no early withdrawal. The move follows a State Bank of Vietnam directive on October 21 that banks cut average rates on new deposits of 6 months or longer by at least 0.5 percentage points in late 2026. SCB has been under special control since 2022, typically keeps the lowest deposit rates in the market and rarely changes them, and has shrunk from nearly 240 transaction points to about 8 across 6 localities.

  CafeF·27/10, 17:12• VNINDEXinterest ratessavings accountsbanks

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• Gold Bar and Gold Ring Prices on the Afternoon of November 1 at Bao Tin Minh Chau, SJC, DOJI, Bao Tin Manh Hai, PNJ, ...

  Domestic gold prices were unchanged on 1 November, after a sharp drop on 31 October. SJC, DOJI, Bao Tin Manh Hai and PNJ quoted gold bars at 136–139 million VND per tael (buy–sell), while SJC gold rings were at 131.8–135.8 million VND per tael. Over the week of 26 October to 1 November, SJC bar prices at Bao Tin Manh Hai rose early in the week to a peak of 140–143 million VND per tael on 29 October, then fell to 136–139 million VND by the morning of 1 November. Internationally, Kitco reported spot gold at $3,874.40 per ounce at 19:28 on 31 October New York time, down $146.10 (3.63%) on the day, as the Fed kept a cautious stance on rates, strong US economic data reinforced expectations of continued monetary tightening, and a tech stock sell-off added pressure.

  CafeF·01/11, 08:38• PNJ• XAU/USDgoldFedinterest rates
• US Bases Across the Middle East Face Massive Damage

  According to an analysis by The Wall Street Journal (WSJ), since the conflict began on 28 February, 274 structures at 24 US military bases have been damaged; at least 119 buildings at 13 bases were hit in the first two weeks alone, and the US Fifth Fleet headquarters in Bahrain was among the hardest hit. A US official told the WSJ the Pentagon estimates base damage at a minimum of $5 billion, while another source said it could reach $15 billion; because many bases are shared with regional allies, some costs may fall on them, and the Pentagon may decide not to restore some infrastructure. The US reportedly considers withdrawing forces from some bases in Kuwait and Saudi Arabia, while Iran has demanded a full US troop withdrawal as a precondition for lasting peace. A Pentagon estimate submitted to Congress puts the war's cost at $47.1 billion as of 16 October, excluding base damage, and US forces have confirmed 23 deaths and 865 injuries.

  CafeF·01/11, 08:25▲ XAU/USD▲ DXY▼ SPY▼ VNINDEXgeopoliticsIrandefense
• Dung Quat Refinery Operator Deposits Over $2 Billion in Banks

  BSR, the operator of the Dung Quat refinery, has deposited more than VND 58,000 billion with banks, nearly half of its total assets of over VND 120,000 billion at end-September. Of this, nearly VND 57,000 billion is term deposits, up more than VND 20,000 billion since the start of the year, with BIDV holding the most at over VND 12,400 billion, followed by VietinBank and SHB. The move comes as average deposit rates have risen for 11 straight months and exceed 8% a year for 6–12 month terms on published rate tables. In the first nine months, BSR earned over VND 1,800 billion in deposit interest, nearly double the same period of 2025, and post-tax profit of over VND 24,900 billion, 11 times higher year on year; management attributed the gains mainly to Q3 crude oil prices rising from $69 to $97 per barrel amid the Middle East conflict. Techcom Securities said nearly all of the company's core operating profit is converting into cash, and the absence of long-term debt provides a buffer for expansion.

  VnExpress·01/11, 08:15• BSRBSRoil pricesearnings
• 3 Growth Stocks Facing A Fed Rate Test Including Microsoft Stock

  U.S. October CPI data due on November 10, just weeks before the December Fed meeting, could quickly swing rate expectations and affect large-cap growth stocks that rely on long-term cash flows. The article highlights three examples: Adobe, with a market value of about $97.4 billion, where AI-first ARR is cited as moving from $250 million toward $1 billion; Microsoft, which spent $37.5 billion in a quarter, with Azure demand reportedly growing 39% a year and facing a U.S. Federal Trade Commission antitrust investigation; and Intuit, with about $12.9 billion in revenue from Global Business Solutions, $8.6 billion from its Consumer arm, and a market value near $91.2 billion. The full screen identified 68 more large-cap growth companies with similar profiles.

  Yahoo Finance·01/11, 08:11• MSFT• QQQMSFTFedinterest rates
• Aviation businesses sharply cut workforce

  By the end of Q3, Vietnam Airports Corporation (ACV) had 7,113 employees, down 3,698 (34%) from the start of the year, with Q3 net revenue of 6,066 billion VND (down 6%) and after-tax profit of 2,083 billion VND (down 35%). Vietnam Airlines had 22,580 staff as of 30 September, down 1,106 (about 4.6%) from 31 December 2025, while its Q3 revenue reached 39,168 billion VND (up 29%) with consolidated after-tax profit of nearly 320 billion VND. The airline said fuel price swings caused by geopolitical tensions in the Middle East had an adverse effect in Q2 and Q3, and parent-company fuel costs rose nearly 4,360 billion VND (61%). In contrast, Saigon Ground Services (SGN) posted Q3 net revenue of 433 billion VND (up 23%) and net profit of 78 billion VND (up 105%), with 1,592 employees, up 129 from the same period in 2025.

  CafeF·01/11, 07:59▼ VJCVJCaviationoil prices
• Why the 27% Crash in ServiceNow's Stock Looks Like a Golden Opportunity

  ServiceNow (NOW) shares fell 27% after its third-quarter report, as renewed fears that AI could disrupt its business weighed on the stock, which is now down 31% year to date. Revenue grew 20.5% to $4.11 billion and adjusted EPS rose 5% to $1, while subscription revenue climbed 21% to $3.99 billion, though the earnings beat was smaller than usual. AI annual contract value rose 65% and the year-end target was raised to $1.7 billion from $1.5 billion, while RPO grew 22.5% to $29.7 billion and the company expanded its partnership with OpenAI. For the fourth quarter, ServiceNow forecast subscription revenue growth of 22.5% to 23%, and it raised full-year subscription revenue guidance to $15.78–$15.79 billion. The author views the drop as an overreaction, noting the stock trades at about 6 times forward sales based on 2027 estimates and a forward P/E just above 22, and sees the AI disruption risk as low for a SaaS company still growing subscription revenue 20% or more.

  Yahoo Finance·01/11, 07:50ServiceNowartificial intelligencesoftware