Director of a subsidiary of state-owned banks said the listing of the higher deposit rates can only help this branch customers rather than increase in mobilization.

"We are afraid that customers will be lost in time because interest rates are not high by the other shares bank," he said.
In fact, banks have committed to the Association that the Bank will not be racing to raise deposit rates in excess of 11.5% which is not committed to promotion bonus cash. However, only the big banks made some serious bank other barriers continue to tear, to deposit rates up to 13% -14% per year through promotions.

For example a bank based in Hanoi listing term deposit rates three months is 11.3% per year but if customers send 100 million will be offered 650,000 dong, count out three-term interest rates months of this bank up to 13.9% per year.

Mr. Nguyen Quoc Sy, deputy general manager, Western Bank, said after raising interest rates were higher than before but the time is quite long holiday should not see a clear trend of raising capital to the bank. "In general, the amount deposited into the bank each day has increased compared to before but the increase was not significant," Mr. Sy said.

Along with his views Sy, Nguyen Thi Kim Xuyen, deputy director of Bank of East Asia, said actually raising interest rates of banks now also higher than the previous month’s interest, only as banks reduce promotions than before to raise interest rates were actually up. "Depositors now very carefully calculated, considering both their deposit rates and promotions for the real interest rate and then decide to send money, so hard to raise capital hope will not increase interest rates How much change compared to before, " said Xuyen.

Mr. Dam The Thai, Head of personal customers of An Binh Bank, the interest rate that is not the decisive factor trends on bank deposits now. "Real estate markets are warming, the stock market will more or less exciting to channel impact of savings banks," he added. Mr. Thai also believed to have a full overview of trends deposit is required to wait one month from the date of application of new rates.

Earlier, the Prime Minister had directed the State Bank’s operating profit pull in the direction of bank lending down 12% - 13% and deposit rates to 10% per year.