Vietnam's central bank has called for lower listed savings rates on terms of six months or longer, according to VnExpress's account of an October 18 directive.
The report also cites instructions against disruptive competition for deposits.
Lending targets linked to compliance
VnExpress says non-compliant banks could face review of their remaining credit-growth allocation, lower future targets or stricter prudential requirements.
The directive also calls for lower lending rates for production, business and priority sectors.
These are supervisory instructions, not evidence that every bank has already changed its published rates or individual customer contracts.
The deposit-rate examples in the article reflect its reporting snapshot rather than a live quotation for any current product.
Credit quality remains a requirement
The central bank also wants credit directed towards productive activity, technology and innovation while exposure to higher-risk areas is controlled.
Banks are instructed not to weaken lending standards simply to expand volumes.
The report describes monitoring customers connected through management, ownership, collateral or repayment sources to identify concentration risk.
It also highlights truthful recognition of credit quality, accurate collateral valuation and timely attention to problem loans.
The reported measures therefore combine a funding-cost objective with risk-management requirements.
Their practical effect on a particular bank or deposit remains dependent on the institution's actual implementation, rather than being established by the directive alone.