After 4 months of negative growth, institutional deposits suddenly flowed back into banks.

In June 2025 alone, economic organizations deposited VND 363,000 billion in banks, raising the growth rate of organizational deposits to 5.7% at the end of June 2025. Previously, during the first 4 months of the year, this rate was always negative.

According to newly released data from the State Bank of Vietnam (SBV), as of June 2025, total means of payment reached more than VND 19.58 million billion, an increase of 9.32% compared to the end of 2024.

Notably, in June alone, economic organizations deposited VND363,000 billion into the banking system, raising the growth rate of organizational deposits to 5.7% at the end of June 2025, reaching VND8.1 million billion. Previously, the growth of economic organizations' deposits had been negative for the first four months of the year and only increased slightly to 0.97% at the end of May 2025.

On the contrary, residential deposits have continued to grow steadily in the banking system since the beginning of the year. As of the end of June 2025, residential deposits reached more than VND 7.69 trillion, an increase of more than 8.91% compared to the end of 2024.

Deposits from individuals and organizations to banks are still increasing (currently reaching a scale of more than 15.7 quadrillion VND), showing that confidence in the banking system is still very strong. However, deposit growth in the first half of this year is still much lower than the credit growth rate (nearly 10%).

According to recent data from the State Bank of Vietnam, credit growth has been positive compared to recent years. By August 29, 2025, the total outstanding credit balance of the entire economy reached VND 17.46 trillion, an increase of 11.82% compared to the end of 2024, creating pressure on the capital balance of banks. Therefore, in recent times, banks have increased the issuance of bonds to improve capital structure, reduce maturity differences, and at the same time increase the capital adequacy ratio (CAR) according to the requirements of the State Bank of Vietnam and international standards.

According to MBS Research, the credit growth rate is about 1.3 - 1.5 times higher than the capital mobilization growth rate. This partly puts pressure on the mobilization interest rate of the private commercial bank group to attract deposits, but lending interest rates are unlikely to increase in the last months of the year.

Working with the State Bank and ministries and branches on monetary policy management earlier this week, Deputy Prime Minister Ho Duc Phoc requested scientific , reasonable and flexible management; suggested the State Bank to reasonably control deposits and loans; try to manage to maintain the current loan interest rate; direct credit to priority areas; strictly control the cash flow of commercial banks, especially banks lending to real estate with large proportions.

The Deputy Prime Minister requested the State Bank to focus on inspecting and checking signs of cross-ownership and using short-term loans for long-term loans in excess of regulations.

Source: https://baodautu.vn/sau-4-thang-tang-truong-am-tien-gui-to-chuc-bat-ngo-ao-ao-chay-lai-vao-ngan-hang-d388243.html