Residential deposits reached over 7.7 million billion VND, the highest in the past 5 years

Although the gold and real estate markets are attracting attention again, Vietnamese people's money continues to flow strongly into bank savings channels.

Residential deposits reached more than VND7.7 quadrillion, up 10% compared to the beginning of the year, reflecting the trend of prioritizing keeping assets in deposits despite low interest rates. (Photo: Vietnam+)

According to the latest figures from the State Bank, by the end of July, people's savings deposited in the banking system reached more than 7.7 quadrillion VND, up nearly 10% compared to the beginning of the year. This is the highest increase in the past 5 years, far exceeding the growth rate in the same period of previous years, reflecting the trend that people continue to prioritize keeping assets in deposits even though interest rates are not really attractive.

In July alone, people deposited more than VND54,000 billion in banks. It is worth noting that the common deposit interest rate is still below 6%/year for a 12-month term, but the savings channel is still popular due to its stability and lower risk compared to other investment channels.

On the other hand, deposits of economic organizations in July only reached nearly 8 million billion VND, down about 127,500 billion VND, equivalent to 1.6% compared to the previous month. This is the 5th consecutive month that the group of enterprises recorded negative growth in deposits.

However, since the beginning of the year, the amount of deposits from the institutional sector has increased by more than 4%, while in the same period last year it decreased by more than 1%. This shows that production and business activities have had positive changes but still take place within a cautious framework.

Thus, after the first 7 months of 2025, the total money of individuals and economic organizations in the banking system reached more than 15.7 million billion VND.

In addition, according to the State Bank's assessment, system liquidity is still abundant, supporting stable interest rates at low levels./.

Source: https://baolangson.vn/tien-gui-dan-cu-dat-hon-7-7-trieu-ty-dong-cao-nhat-trong-5-nam-qua-5062510.html