Whether it is deposits or loans, customers are the "fortune" of banks in the first days of the new spring.
Send "prosperity"
For many people, mainly in the business world, the numbers 6 and 8 are numbers with good meanings. In Sino-Vietnamese, the number 6 is pronounced as luc, the number 8 is read as bat. According to the business people's translation, "luc" is pronounced similar to "loc", "bat" is similar to "phat". Therefore, they think that 68 is loc phat, 86 is phat loc. The number 68 is often preferred over 86.
On the first day of the new year, VietinBank Hai Duong welcomed a customer who came to deposit savings, the amount of "lucky money" was up to 68 billion VND. That is a business operating in Hai Duong province. This information was published by Hai Duong newspaper and attracted a lot of attention from the community, some people jokingly called this customer "lucky business".
“We have been doing business with VietinBank Hai Duong for a long time, it can be said that both sides have gone through many ups and downs. Therefore, with the 68 billion VND in savings, we hope that both us and the bank will have a year of development, prosperity, and prosperity all year round,” the representative of “loc phat enterprise” shared.
According to a review from many banks such as VietinBank Hai Duong, Agribank Hai Duong province, BIDV Thanh Dong, Bac A, Sacombank..., the total amount of savings deposits on the first day after the Tet holiday of At Ty 2025 reached more than 1,200 billion VND. This number is nearly 3 times higher than the first day of the year of Giap Thin 2024, many times higher than normal days.
During the first trading days of the year of the Snake 2025, banks have simultaneously launched many lucky money programs, giving away attractive gifts in kind, cash, etc. to customers who open new savings books and deposit money into savings accounts. Not only promoting the attraction of idle money, savings, banks are also a profitable investment channel.
As a savings customer, Ms. Mac Thi Tai in Le Thanh Nghi ward (Hai Duong city) said that people and businesses depositing savings at the beginning of the year not only pray for a lucky new year, but also show the development in production and business of each person.
“Recently, when I heard Hai Duong announce its economic growth scenario, together with the whole country, firmly entering a new era, I hope that the people and businesses of the province will develop further, doing business 5 times or 10 times faster than the previous year. The professional service attitude of banks when conducting transactions at the beginning of the new year is also a factor that helps us people feel more comfortable,” Ms. Tai shared.
After Tet, many parents choose to deposit their children’s lucky money in term deposits, which helps them keep their money and earn interest. Most banks now accept a minimum deposit of VND1 million, or even less.
Borrow "God of Wealth"
According to many banks, the new point in the first days of the At Ty spring this year is that more customers come to borrow capital. On the morning of February 3, a business in the province borrowed 39 billion VND in short-term loans from VietinBank Hai Duong.
“Many of us in the business community consider the number 39 in feng shui to be the number of God of Wealth. Borrowing money from the bank at the beginning of the year not only helps us supplement our working capital for business but also means wishing for a lucky, favorable, and prosperous new year,” said a representative of this business.
Also on the morning of February 3, at Tu Ky transaction office (BIDV Thanh Dong), Mr. Dang Van Nghia in Le Thanh Nghi ward (Hai Duong city), owner of an advertising business in the province, borrowed nearly 5 billion VND in short-term credit capital.
“The ancients believed that no matter how necessary it is, one should not borrow money on the first days of the new year for fear that the whole year will be in debt and unlucky. However, we borrow capital from the bank to do business, to create value not only for ourselves or our partners, but also to contribute a small part to the overall development of the province. We think that a smooth credit flow from the beginning of the year is like smooth and favorable production and business management for the whole year,” Mr. Nghia shared.
A quick note from many banks shows that in the first working days of spring, hundreds of billions of VND of credit capital have been disbursed. Agribank in Hai Duong province alone approved and disbursed nearly 400 loans of all kinds on February 3-4, with a loan amount of nearly 200 billion VND. The group of joint stock commercial banks without state capital has also boosted credit flow since the beginning of the year.
In line with the Government's GDP growth target of over 8% in 2025, the banking industry has set a credit growth target of 16%, with the ability to flexibly adjust according to actual economic developments. The economy's outstanding credit balance is expected to reach over VND18.1 trillion by the end of 2025, meaning the banking industry will "pump" nearly VND2.5 trillion into the economy this year.
Banks have implemented many solutions to stimulate credit demand such as reducing interest rates, implementing many credit packages specifically for each customer group, promoting social housing loans, etc.
Ms. Pham Thi Van Anh, Director of Bac A Hai Duong Bank, said: “Borrowing from banks since the beginning of the year shows that the views of people and businesses have changed, focusing on actual needs. Interest rates will be adjusted depending on each bank, but may be flat or slightly increased, along with cost reduction measures of the bank to maintain lending interest rates close to the market.”
Source: https://baohaiduong.vn/ngan-hang-hut-loc-dau-xuan-404618.html
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