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

Source: World Bank
Last Updated: September 1, 2025

Interest spread, which is the difference between interest rate on loans and deposits reached 4.54% in 2023 in Vietnam, according to the National Central Bank. This is 8.25% 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 10.1% in 1993 and an all time low of 1.93% in 2016.

Vietnam has been ranked 46th within the group of 74 countries we follow in terms of interest spread, which is the difference between interest rate on loans and deposits.

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