With interest rates stabilizing, many businesses are reevaluating their strategies for managing idle capital, according to an MBV representative. Holding cash for extended periods can lead to increased opportunity costs, while investing in risky assets may not be suitable for all operating models.

Understanding this trend and the current needs of businesses, Modern Vietnam Joint Stock Commercial Bank (MBV) is launching a preferential term deposit program specifically for corporate clients. This new product offers competitive interest rates and flexible terms from 1 to 6 months, helping businesses maximize financial efficiency while ensuring liquidity. The program runs until 31/12.

MBV supports businesses by advising on flexible financial solutions. Photo: MBV

MBV supports businesses by advising on flexible financial solutions. Photo: MBV

In addition to competitive interest rates, MBV also provides added value for clients. For each deposit of 5 billion VND or more, clients receive a Winmart voucher worth up to 8 million VND. According to an MBV representative, in a time when effective financial management plays a crucial role in competitiveness, term deposits have become an efficient and streamlined strategy. With stable returns, low risk, and high flexibility, this option is being considered by many chief financial officers and executive boards, especially for short-term contingency funds.

"With a customer-centric operational approach, the bank will continue to expand similar incentive programs in the future, helping businesses maximize every opportunity to enhance their financial efficiency," the representative said.

MBV staff introduce suitable term deposit packages for businesses. Photo: MBV

MBV staff introduce suitable term deposit packages for businesses. Photo: MBV

MBV leadership observes that macroeconomic variables, from new US tariff policies to fluctuations in raw material prices, continue to impact the market. In this context, most businesses in Vietnam are exhibiting a trend of "cautious optimism" in their financial strategies. Instead of pouring capital into high-risk investments or rapidly expanding production, many businesses are choosing to retain short-term cash flow and seek solutions that balance liquidity and capital efficiency.

According to data from the State Bank of Vietnam, total deposits from economic organizations in the banking system reached 7.52 quadrillion VND by the end of Quarter I/2025, a figure nearly equivalent to individual deposits. This clearly reflects the trend of businesses shifting towards preserving and optimizing short-term capital, rather than leaving funds idle and unproductive in checking accounts.

MBV always supports businesses in optimizing opportunities to improve business performance. Photo: MBV

MBV always supports businesses in optimizing opportunities to improve business performance. Photo: MBV

Along with small and medium-sized enterprises, even large corporations like Viettel Global, Duc Giang Chemicals, and Vingroup are choosing term deposits to optimize capital. Viettel Global, for example, reported over 39.6 trillion VND in cash and deposits, generating over 400 billion VND in profit from savings deposits in Quarter I/2025 alone.

An MBV representative sees this as evidence of a smart capital utilization strategy: ensuring readily available resources when needed while earning stable returns from temporarily idle funds. Term deposits, especially in the medium and short term, are becoming a preferred financial strategy in this period. This solution ensures three key factors: safe returns, flexible withdrawal options, and keeping businesses prepared for larger plans in the future.

Hoang Dan