'King' of demand deposits: Which bank will dominate the race for cheap capital?

The CASA balance of banks as of December 31, 2025, was 2.78 trillion VND, an 18% increase compared to the beginning of the period. TPBank ranked 7th among the 29 banks that have published financial reports, with a CASA ratio of 20.41%.

CASA (Current Account Savings Account) is the general term for demand deposits in banks. CASA is calculated from deposits in customers' current accounts and current account savings accounts.

According to Decision 575/QD-NHNN of 2023, the interest rate on demand deposits should not exceed 0.5% per year. This is a source of low-cost capital for banks, so the race to increase the CASA ratio is always one of the top strategic goals of banks. Free transfer programs are also aimed at maintaining this ratio.

The CASA ratio is an important financial indicator used to assess the effectiveness of capital mobilization and the health of a bank.

A high CASA ratio is a positive sign in a bank's business operations, helping to improve the net interest margin (NIM) due to lower capital costs, thereby widening the interest rate spread.

A high CASA ratio also reflects that the bank has a convenient payment system, digital applications, and services.

According to the Q4/2025 financial reports of 29 domestic commercial banks (excluding Agribank, SCB, Vikki Bank, MBV, GPBank, VCBNeo), the absolute CASA balance of these banks as of December 31, 2025, was VND 2.78 trillion, an increase of 18% compared to the beginning of the period (excluding margin deposits and specialized capital deposits).

TPBank ranked 7th out of 29 banks that have published financial reports, with a CASA ratio of 20.41%.

In absolute terms, the top 10 banks attracting the most demand deposits are: Vietcombank, BIDV, VietinBank, MB, Techcombank, ACB, VPBank, Sacombank, HDBank, and TPBank.