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Interest Spread (Difference Between Interest Rate on Loans and Deposits) in Vietnam

Source: State Bank of Vietnam
Last Updated: May 1, 2021

Interest spread, which is the difference between interest rate on loans and deposits reached 3.16 % in 2020 in Vietnam, according to the National Central Bank. This is 15.7 % more than in the previous year.

Historically, interest spread, which is the difference between interest rate on loans and deposits in Vietnam reached an all time high of 20.1 % in 1996 and an all time low of 1.93 % in 2016.

Vietnam has been ranked 2nd within the group of 2 countries we follow in terms of interest spread, which is the difference between interest rate on loans and deposits, 118 places above the position seen 10 years ago.

Interest rate spread is the interest rate charged by banks on loans to prime customers minus the interest rate paid by commercial banks for demand, time, or savings deposits.

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