How is the bank being a “Companion” to customers?

Normally, the fourth quarter of 2023 is the time when banks launch many incentive programs for existing and new customers to promote credit.


Interest rates and credit access can be considered two of the hot “keywords” related to credit supply throughout 2023. After 4 times of lowering operating interest rates by the State Bank, along with efforts Cost reduction of commercial banks, cheap break-even “falling point” have helped the interest rate level in the market in the fourth quarter of 2023 to be as deep as before the pandemic.

However, how to ensure that interest rates remain “real positive” to help attract mobilized capital and at the same time support businesses and people with cheaper borrowing costs, each bank has its own method.

Market records show that the mobilization interest rate of the state-owned commercial bank group for the 12-month term is at a very low level, below 5.23%/year, and is likely to continue to adjust. The remaining commercial banks have also reduced deposit interest rates, but some banks are trying to balance terms to create profitable opportunities for customers.

VIB, OCB, BIDV are the banks that have increased deposit interest rates since the beginning of November. Meanwhile, Eximbank chose to deploy a broad incentive program covering account services, card services, deposits and loans. , with special options for VIP individual customers to receive higher deposit interest rates than regular customers; Comes with many other incentives.

On the lending side, many banks also lowered interest rates and fees. We can mention Eximbank’s loan packages such as “Business incentives – Firm companionship” for individuals borrowing for production and business and “Loan incentives – Handing over benefits” for individuals borrowing to buy real estate. products/consumption with interest rates among the lowest in the market.

In addition, Eximbank also implements a “Preferential salary package” from the beginning of 2023 to accompany corporate customers. This bank also lends up to 100% of consumer capital needs with attractive interest rates for customers with existing credit relationships.


At the recent regular Government press conference, Deputy Governor of the State Bank Dao Minh Tu said that the State Bank aims to achieve the average interest rate reduction of commercial banks from 1-1.5% by the end of 2023. However, up to now, according to the State Bank’s statistics, the average interest rate of new loans has decreased from 2-2.2%, exceeding the State Bank’s expectations.

Not only benefiting from preferential interest rates reduced beyond expectations, the State Bank also recently announced an extension of credit limits in the last month of the year, helping businesses and people have many options to suit their needs of using financial services. mine.

“Currently, people tend to choose preferential and promotional goods; Choose products in wholesale lots, combos, large packages… to take advantage of cheaper prices and high benefits. As a business, we also have to “screen” incentive packages to choose the most practical incentive program from banks,” said Mr. Nguyen Thinh, Director of an Import-Export Trading and Services Company in Ho Chi Minh City.

According to this Director, through consulting and learning from Eximbank staff, he was impressed with the bank’s “Companion” policy when designing a series of quite flexible loan incentives. “I am considering the program’s diverse options, either I can choose to mortgage my deposit or use the limit, or I can choose to follow loan programs with many other incentives such as loans under the loan schedule. announced and receive reduced interest rates when participating in Generali’s term insurance products… We will take advantage of this year-end promotion to enjoy “all in one” from Eximbank”, Mr. Thinh added.

It is known that from 2022, Eximbank has oriented a healthy capital structure and prioritized loan capital for essential consumption, production and business, thereby helping the bank increase business efficiency and contribute to safety. full liquidity, limiting the risk of re-evaluating investment assets in a fluctuating interest rate environment. In particular, the loan portfolio structure focuses on growth in the SME and individual customer segments, lending for production and business needs. Accordingly, the “Companion” program that Eximbank implemented from the beginning of December 2023 comes from the actual needs of businesses, especially SME groups and individual customers.

“Through research, we know what customers need during the peak period of late 2023 and early 2024. At the same time, we also raise the question of what solution will support businesses and people to overcome difficulties. , challenges to gradually expand development, on that basis, deploy incentive packages and flexible credit solutions, optimize efficiency for borrowers as well as create the most favorable access to credit. . Besides, Eximbank has a diverse and comprehensive product portfolio, fully serving the needs of businesses and people. Therefore, Eximbank’s “Companion” is not only a companion on a short transaction, but also a “symbiosis” on a long-term financial transaction journey,” an Eximbank representative shared.

From December 5, 2023, Eximbank launches the “Companion” program. Accordingly, Eximbank has launched many preferential policies covering account services, card services, deposits and loans. Individuals and businesses that qualify to participate in the program will enjoy preferential interest rates, transaction fees and many other incentives.

For individual customers: Customers participating in main products such as credit cards; Account combo; Good number account/custom number with optional products participating in Non-life Insurance of affiliated companies and/or Generali-VITA Insurance Tomorrow’s Fulcrum, get loan interest rate reduction up to 1%; Transaction fee incentives; VIP customers will enjoy higher interest rates on savings deposits than regular customers; Specially issued Visa Signature credit cards with the highest cashback value on the market today (24 million VND/year).

For corporate customers: Customers participating in both product groups (Group 1: corporate customers borrowing capital under Eximbank’s preferential programs, such as deposit mortgage program; Promotion program to use credit limit; New corporate customer competition program; Successful follow-up program/ Group 2: corporate customers who borrow capital according to the Interest rate schedule as announced by Eximbank; and complementary products Generali-VITA Insurance Fulcrum tomorrow) will enjoy incentives according to each period’s program, and also receive an additional reduction in loan interest rates from 0.1% -0.5%/year.

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