The Bank for Agriculture and Rural Development ( Agribank ) has continuously surprised by "single-handedly" increasing deposit interest rates for 4 consecutive months to become the champion in the Big4 group in many terms.
Agribank has just increased deposit interest rates for all terms, becoming the only commercial bank to have increased interest rates twice since the beginning of November.
Accordingly, Agribank continues to adjust the interest rates for deposits of all terms, with an increase of 0.2%/year for terms of 1-5 months, and an increase of 0.1%/year for terms of 6-36 months.
According to the online interest rate table posted by Agribank on November 15, the bank interest rate for 1-2 month term increased to 2.4%/year, and for 3-5 month term increased to 2.9%/year.
Interest rates for 6-9 month online deposits at Agribank increased to 3.6% per year, 12-18 month deposits increased to 4.8% per year and 24 month deposits increased to 4.9% per year. This is the highest interest rate at Agribank since the beginning of 2024.
Looking back at Agribank's interest rate increases, since August, this bank has increased 0.2%/year for 1-2 month terms, 0.3%/year for 3-5 month terms and 0.1%/year for 24 month terms.
In September, Agribank increased 0.2%/year for 1-2 month deposit term and increased 0.3%/year for 3-5 month deposit term.
In October, Agribank continued to increase deposit interest rates by 0.2% per year for terms from 1-5 months, and at the same time decrease them by 0.1% per year for terms from 6-11 months.
In November, on November 7, this “big guy” increased the bank interest rates by 0.3%/year for 6-9 month terms. Then, on November 15, Agribank adjusted the increase across all terms as mentioned above.
While Agribank has increased its deposit interest rates for the past 4 consecutive months (but only recently has this bank increased them for all terms), the remaining 3 banks in the Big 4 group , VietinBank, BIDV and Vietcombank, have kept their interest rates unchanged.
This causes the difference in interest rates at Agribank to widen compared to the other three banks, especially for terms under 24 months.
| ONLINE DEPOSITS INTEREST RATES AT 4 STATE-OWNED COMMERCIAL BANKS ON NOVEMBER 16 (%/YEAR) | ||||
| TERM | AGRIBANK | VIETINBANK | BIDV | VIETCOMBANK |
| 1-2 MONTHS | 2.4 | 2 | 2 | 1.6 |
| 3-5 MONTHS | 2.9 | 2.3 | 2.3 | 1.9 |
| 6-9 MONTHS | 3.6 | 3.3 | 3.3 | 2.9 |
| 12-18 MONTHS | 4.8 | 4.7 | 4.7 | 4.6 |
| 24-36 MONTHS | 4.9 | 5 | 4.9 | 4.7 |
The difference in interest rates for deposits with terms of less than 6 months between Agribank and the two banks BIDV and VietinBank is 0.4%/year, while the difference in interest rates compared to Vietcombank has reached 0.8-1%/year.
The difference in 6-9 month deposit interest rates between Agribank and BIDV and VietinBank is 0.3%/year, while compared to the same term bank interest rates at Vietcombank, the difference is up to 0.7%/year.
However, due to the rare change in long-term savings interest rates, the current 12-36 month savings interest rates at Agribank are only 0.1% and 0.2% higher per year than the same term interest rates at BIDV and Vietcombank, respectively.
Regarding bank interest rates for terms of 24 months or more, VietinBank is still "unrivaled" when listing an interest rate of 5%/year, while Agribank and BIDV list 4.9%/year, and Vietcombank lists 4.7%/year.
Nine banks have increased their deposit interest rates since the beginning of November, including: Nam A Bank, IVB, Viet A Bank, VIB, MB, Agribank, Techcombank, ABBank and VietBank. Of these, Agribank is the only bank that has increased its interest rates twice since the beginning of the month.
| INTEREST RATE TABLE FOR ONLINE DEPOSITS AT THE REMAINING BANKS ON NOVEMBER 16 (%/YEAR) | ||||||
| BANK | 1 MONTH | 3 MONTHS | 6 MONTHS | 9 MONTHS | 12 MONTHS | 18 MONTHS |
| ABBANK | 3.2 | 3.9 | 5.5 | 5.6 | 5.9 | 6.2 |
| ACB | 3.1 | 3.5 | 4.2 | 4.3 | 4.9 | |
| BAC A BANK | 3.95 | 4.25 | 5.4 | 5.5 | 5.8 | 6.15 |
| BAOVIETBANK | 3.3 | 4 | 5.2 | 5.4 | 5.8 | 6 |
| BVBANK | 3.8 | 4 | 5.2 | 5.5 | 5.8 | 6 |
| CBBANK | 3.8 | 4 | 5.5 | 5.45 | 5.65 | 5.8 |
| DONG A BANK | 3.9 | 4.1 | 5.55 | 5.7 | 5.8 | 6.1 |
| EXIMBANK | 3.9 | 4.3 | 5.2 | 4.5 | 5.2 | 5.8 |
| GPBANK | 3.2 | 3.72 | 5.05 | 5.4 | 5.75 | 5.85 |
| HDBANK | 3.85 | 3.95 | 5.1 | 4.7 | 5.5 | 6.1 |
| IVB | 3.8 | 4.1 | 5.1 | 5.1 | 5.8 | 6.1 |
| KIENLONGBANK | 3.7 | 3.7 | 5.2 | 5.3 | 5.6 | 5.7 |
| LPBANK | 3.6 | 3.8 | 5 | 5 | 5.4 | 5.7 |
| MB | 3.5 | 3.9 | 4.5 | 4.5 | 5.1 | 5.1 |
| MSB | 3.9 | 3.9 | 4.8 | 4.8 | 5.6 | 5.6 |
| NAM A BANK | 4.5 | 4.7 | 5 | 5.2 | 5.6 | 5.7 |
| NCB | 3.9 | 4.2 | 5.55 | 5.65 | 5.8 | 5.8 |
| OCB | 3.9 | 4.1 | 5.1 | 5.1 | 5.2 | 5.4 |
| OCEANBANK | 4.1 | 4.4 | 5.4 | 5.5 | 5.8 | 6.1 |
| PGBANK | 3.4 | 3.8 | 5 | 5 | 5.5 | 5.8 |
| PVCOMBANK | 3.3 | 3.6 | 4.5 | 4.7 | 5.1 | 5.8 |
| SACOMBANK | 3.3 | 3.6 | 4.9 | 4.9 | 5.4 | 5.6 |
| SAIGONBANK | 3.3 | 3.6 | 4.8 | 4.9 | 5.8 | 6 |
| SEABANK | 2.95 | 3.45 | 3.95 | 4.15 | 4.7 | 5.45 |
| SHB | 3.5 | 3.8 | 5 | 5.1 | 5.5 | 5.8 |
| TECHCOMBANK | 3.35 | 3.65 | 4.55 | 4.55 | 4.85 | 4.85 |
| TPBANK | 3.5 | 3.8 | 4.7 | 5.2 | 5.4 | |
| VIB | 3.5 | 3.8 | 4.8 | 4.8 | 5.3 | |
| VIET A BANK | 3.7 | 4 | 5.2 | 5.4 | 5.7 | 5.9 |
| VIETBANK | 3.9 | 4.1 | 5.2 | 5 | 5.6 | 5.9 |
| VPBANK | 3.6 | 3.8 | 4.8 | 4.8 | 5.3 | 5.3 |
Source: https://baodaknong.vn/mot-minh-mot-ngua-agribank-dang-bo-xa-nhom-big4-ve-lai-suat-huy-dong-234378.html
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