After the Lunar New Year holiday, right from the first working days, many credit institutions in the province have adjusted their deposit interest rates to implement promotional programs and give lucky money to customers who come to make transactions. Thereby, attracting idle cash flow from customers, ensuring stability in the monetary market, meeting the transaction needs of organizations, businesses and people, contributing to promoting local socio-economic development.
Identifying capital mobilization as one of the key tasks, from the beginning of 2025, the Bank for Agriculture and Rural Development - Thanh Hoa Branch (Agribank Thanh Hoa) has launched the promotion program "Tan Xuan Dac Loc". Accordingly, from January 23 to February 7, Agribank Thanh Hoa will give away 12,000 gifts, with a total prize value of up to 535 million VND. Of which, the bank will give away 10,000 lucky money envelopes worth 495 million VND to customers who deposit savings for a minimum term of 6 months, with a minimum deposit of 50 million VND or 2,000 USD. For every 50 million or 2,000 USD, customers will be entered into a lucky draw to receive 1 lucky money envelope. Along with that is the "Spring Lucky Money" program giving away 2,000 gifts to customers who open accounts, issue new ATM cards, register to use electronic banking services, transfer money... from February 3 to February 5, 2025.
The bonus savings program is an annual program organized by Agribank to increase the attractiveness of capital mobilization products, strengthen the connection between customers and the bank and contribute to promoting and enhancing the image, reputation and brand of Agribank in the market. Through the bonus savings program at the beginning of the year, it will attract large capital from residents to continue to accompany the business community, cooperatives and people to implement investment projects in production and business in 2025 of Agribank Thanh Hoa. As of early February 2025, the total mobilized capital of the branch reached nearly 25,000 billion VND, of which nearly 100% is capital mobilized from residents.
Along with Agribank Thanh Hoa, in the first days of the year, savings interest rates at private joint stock commercial banks have fluctuated, specifically: Bac A Bank, HDBank, MSB... all increased slightly to increase capital mobilization to promote credit growth. Deputy Director of Bac A Bank Thanh Hoa Branch Le Thi Dung said: "The unit always focuses on short, medium and long-term capital mobilization in many forms to maintain stable and sustainable capital sources. This is an important resource for the branch to promote lending, contributing to economic recovery and development. In early 2025, Bac A Bank increased deposit interest rates for all terms to attract customers. Accordingly, with deposits of 1 billion VND or more, the highest interest rate can be up to 6.5%/year. Hopefully, with increased deposit interest rates and customer gratitude programs, mobilized capital will increase, serving lending needs at the beginning of the new year".
In addition to capital mobilization, credit institutions in the province have focused on implementing and implementing credit programs, policies and preferential credit packages, maintaining a stable outstanding balance. Encourage customers to invest in priority areas under the direction of the Government, creating maximum favorable conditions for accessing credit capital. Apply capital mobilization interest rates and lending interest rates in accordance with the regulations of the State Bank and market developments, attract idle capital of organizations and residents, ensuring to meet capital needs for development investment. Resolutely and synchronously deploy effective credit growth solutions to prioritize promoting economic growth, promptly meeting the credit capital needs of people and businesses, directing capital flows to production and business sectors, priority sectors and growth drivers of the economy according to the Government's policies; Continue to strictly control credit in areas with potential risks, ensuring safe and effective credit activities; continue to reduce lending interest rates to support the economy through cost reduction, simplification of administrative procedures, increased application of information technology, digital transformation, etc.; develop a variety of banking credit products suitable for each type and production and business needs of people and enterprises, especially small and medium enterprises, cooperatives and legitimate and legal borrowing needs to serve people's lives and consumption.
As of early February 2025, the total mobilized capital of credit institutions in the area reached nearly 188,000 billion VND (excluding development banks). Of which, savings deposits accounted for about 70% of the total mobilized capital, deposits from economic organizations accounted for 29%, issuance of valuable papers accounted for 1% of the total mobilized capital; mobilized capital in VND accounted for 98.5%. Outstanding loans in the area reached 218,139 billion VND.
In 2025, the economy is forecast to continue to improve, leading to an increase in the demand for investment loans from businesses and people. To meet the credit demand, from the beginning of the year, Thanh Hoa's banking sector continued to make efforts to synchronously and effectively implement solutions to promote capital mobilization growth, creating more resources to serve lending to the economy.
Article and photos: Khanh Phuong
Source: https://baothanhhoa.vn/huy-dong-von-tang-truong-nbsp-du-no-an-toan-hieu-qua-239024.htm
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