According to VietNamNet statistics, the group of banks that increased average lending interest rates in July 2025 compared to the previous month include: PGBank (up 0.42%/year), Sacombank (up 0.32%/year), BVBank (up 0.18%/year),OCB (up 0.14%/year), MB (up 0.02%/year) and SCB (up 0.01%/year).

Notably, PGBank and Sacombank are the two banks with the lowest average interest rate difference between lending and deposit among the six banks mentioned above.

PGBank, the bank that recorded the strongest increase in average lending interest rates in July, announced an average lending interest rate of 7.52% per year. The difference between the average lending interest rate and the average deposit interest rate is 2.2% per year.

With Sacombank, the average lending interest rate of this bank in July was 7.25%/year, while in June it was 6.93%/year.

Thus, lending interest rates at Sacombank have increased again, equal to the interest rate announced by this bank in January 2025.

Currently, the average interest rate difference between lending and deposit, according to Sacombank's announcement, is 2.7%/year.

On the contrary, the number of banks reducing average deposit interest rates in July is still overwhelming. Among them, the strongest reductions are BaoViet Bank (0.57%/year), LPBank (down 0.52%/year), Vikki Bank (down 0.49%/year), Vietcombank (0.34%/year)...

Among the four state-owned commercial banks , Vietcombank's average lending interest rate in July was 5.6% per year, down 0.34% per year compared to June. The average difference between deposit and lending interest rates was 2.9% per year. Of which, the interest rate difference after deducting costs related to capital mobilization and use was 1.1% per year.

At BIDV, the average lending interest rate in July was 5.49%/year, a slight decrease of 0.01%/year compared to the previous month. The difference between lending and deposit interest rates was 2.52%/year. The interest rate difference after deducting related costs was 1.35%/year.

The average lending interest rate in July at Agribank was 6.5%/year, a slight decrease of 0.01%/year compared to June. The average interest rate difference between lending and mobilization was 1.02%/year after deducting capital costs (including required reserves, payment reserves, deposit insurance and operating costs).

Agribank said that the short-term lending interest rate in July for some priority sectors and fields under the direction of the Government and the State Bank is 4%/year. The minimum normal lending interest rate is 4.8%/year, the medium and long-term lending interest rate is at least 5.5%/year.

At VietinBank, the average announced lending interest rate is 5.22%/year, the average lending/mobilization interest rate difference is 1.85%/year.

The Big4 group currently maintains the lowest average lending interest rate in the system, of which VietinBank has the lowest.

However, the average lending rate, as well as the average savings rate, is not the interest rate applied to each deposit or loan.

The group of banks with average lending interest rates above 8%/year include: Saigonbank (8.9%/year), Bac A Bank (8.61%), BVBank (8.57%/year), Viet A Bank 8.52%, PVCombank (8.29%/year) and KienlongBank (8.17%/year).

AVERAGE LOAN INTEREST RATE IN JULY 2025 AT BANKS (%/YEAR)
STT BANK INTEREST RATE +/- COMPARED TO JUNE DIFFERENCE FROM DEPOSITS INTEREST RATE
1 VIETINBANK 5.22 1.85
2 VIETCOMBANK 5.26 -0.34 2.90
3 BIDV 5.49 -0.01 2.52
4 AGRIBANK 6.5 -0.01 1.02
5 SCB 5.4 0.01 3.27
6 ABBANK 5.45 0 1.61
7 MSB 6.12 -0.23 1.84
8 ACB 6.42 -0.04 2.40
9 VCBNEO 6.5 0 1.01
10 LPBANK 6.56 -0.52 1.55
11 TECHCOMBANK 6.81 -0.08 2.58
12 VIB 6.89 0 1.88
13 MB 6.95 0.02 3.15
14 GPBANK 7 -0.2 1.58
15 EXIMBANK 7.03 -0.07 1.82
16 SHB 7.07 0 2.15
17 SEABANK 7.07 -0.22 2.52
18 NAM A BANK 7.18 0 1.89
19 MBV 7.23 0 2.18
20 SACOMBANK 7.25 0.32 2.70
21 TPBANK 7.25 -0.12 1.94
22 BAOVIETBANK 7.51 -0.57 4.60
23 PGBANK 7.52 0.42 2.20
OCB 7.86 0.14 4.09
VIKKI BANK 7.96 -0.49 2.91
KIENLONGBANK 8.17 0 2.41
PVCOMBANK 8.29 0 2.45
BVBANK 8.57 0.18 3.55
BAC A BANK 8.61 -0.04 3.34
SAIGONBANK 8.9 -0.08 3.9
VietABank 8.52 -0.44 3.19

According to data from the State Bank of Vietnam on average lending interest rates of banks in July 2025, the average lending interest rate of domestic commercial banks for new and old loans with outstanding debt is at 6.5-8.9%/year.

The average short-term lending interest rate in VND for priority sectors is about 3.9%/year, lower than the maximum short-term lending interest rate prescribed by the State Bank of Vietnam (4%/year).

The average USD lending interest rate of domestic commercial banks for new and old loans with outstanding debt is at 4.1-5.0%/year.

Source: https://vietnamnet.vn/loat-ngan-hang-vua-tang-lai-suat-cho-vay-2436049.html