According to statistics from the financial report of banks in the fourth quarter of 2023, as reported by the journalists of Dan Tri newspaper, the top three banks with the strongest growth in deposits last year are all part of the big 4 (the four largest state-owned banks).
Customer deposits in BIDV increased by 15.6% compared to the beginning of the year, reaching 1.7 trillion dong. Following closely are VietinBank and Vietcombank with total deposits by the end of 2023 of 1.41 trillion dong and 1.39 trillion dong respectively.
Although Agribank from the big 4 has not yet disclosed detailed financial reports, the combined deposits of the three aforementioned banks already account for nearly 46% of the total customer deposits in the entire system, reaching nearly 4.51 trillion dong, an increase of 544.621 trillion dong from the beginning of the year.
The total customer deposits in private banks by the end of 2023 exceeded 5.308 trillion dong. MB surpassed Sacombank with 567.533 trillion dong in customer deposits, a 27.9% increase from the previous year.
The highest increase in customer deposits belongs to HDBank at 71.8%, reaching 370.778 trillion dong. HDBank currently ranks 12th among the banks with the highest deposit growth last year, following Sacombank (510.744 trillion dong), ACB (482.703 trillion dong), Techcombank (454.661 trillion dong), SHB (447.503 trillion dong), VPBank (442.368 trillion dong)… No bank reported a decrease in deposits.
The total customer deposits of the 28 banks that disclosed their financial reports by the end of 2023 reached over 9.81 trillion dong, an 18.4% increase from the end of 2022, with nearly 1.53 trillion dong flowing into the banking system in a year. This is the strongest growth in recent years, both in absolute and relative terms.
By the end of 2023, savings interest rates had significantly decreased compared to the beginning of the year, with no bank offering a 6% annual interest rate for a 12-month deposit.
The downward trend in interest rates since April last year has led to historically low interest rates, even lower than during the Covid-19 pandemic. At major banks, Vietcombank only offers 4.7% interest per year for a 12-month deposit, while Agribank, BIDV, and VietinBank offer 4.8% interest per year.
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