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New liquidity rules offer lending headroom but funding pressures persist
Circular No. 50/2026/TT-NHNN raises the maximum loan-to-deposit ratio (LDR) to 95 per cent from currently 85 per cent while introducing a phased transition towards Basel III liquidity standards.
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The banking sector stands alongside businesses and the economy in the green transition
On the morning of October 14, 2026, in Hanoi, Mr. Nguyen Ngoc Canh, Deputy Governor of the State Bank of Vietnam (SBV), attended and delivered remarks at the seminar entitled “Credit policy and the carbon market: Unlocking green finance”, organised by Finance – Investment Newspaper.
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Consumer Finance: Strong growth potential requires transparency and responsible lending
Vietnam’s consumer finance market still has significant room for growth as households’ demand for financing continues to diversify, while access to formal credit remains uneven across different segments of the population. In particular, low- and middle-income workers, employees in industrial parks, and customers seeking relatively small loans continue to need appropriate and accessible sources of formal credit.
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Vietnam’s banking sector in the first nine months of 2026: Credit growth, digital transformation and support for economic growth drivers
During the first nine months of 2026, Vietnam’s banking sector continued to implement coordinated and flexible measures covering monetary policy, credit, interest rates and exchange-rate management, while accelerating digital transformation and cashless payments.
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HDBank ranks 2nd in S&P Global Market Intelligence’s Southeast Asian bank rankings
Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank) has been ranked second in S&P Global Market Intelligence’s 2025 performance rankings of the 50 largest publicly listed banks in Southeast Asia, and holds the top position among the Vietnamese lenders assessed.
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Cashless payments: A key driver of financial inclusion
On the morning of October 6, 2026, the Banking Times organized a seminar themed “Promoting Financial Inclusion – The Momentum from Cashless Payments.” The seminar was chaired by Mr. Pham Thanh Ha, Deputy Governor of the State Bank of Vietnam (SBV), and attended by representatives of SBV departments and agencies, the Ministry of Public Security, credit institutions, payment infrastructure operators, experts, academics, businesses and the press.
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VPBank, Western Union launch real-time remittance service
Developed under a partnership between the two companies, the service aims to meet growing demand for faster and more convenient ways to receive money from overseas.
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On the issuance of Regulations on the Safety, Risk management and Deployment conditions for the application of artificial intelligence systems in the banking sector
On September 30, 2026, the Governor of the State Bank of Vietnam (SBV) issued Circular No. 53/2026/TT-NHNN, prescribing safety, risk management and deployment conditions for the application of artificial intelligence (AI) systems in the banking sector.
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Strengthening credit risk-sharing mechanisms to expand access to finance for businesses
On October 13, 2026, in Hanoi, the Vietnam Banks Association (VNBA), in collaboration with the International Finance Corporation (IFC), held a roundtable on credit risk-sharing and risk mitigation mechanisms in Vietnam.
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VNBA and KFB seek to deepen substantive banking cooperation between Vietnam and the Republic of Korea
Hanoi, October 13, 2026 – The Vietnam Banks Association (VNBA) and the Korea Federation of Banks (KFB) have agreed to strengthen professional cooperation, enhance connectivity among their member banks, and work towards a new Memorandum of Understanding (MoU) in early 2027.
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Moody’s upgrades ABBank to B1, maintains positive outlook
Moody’s Ratings has upgraded ABBank’s long-term foreign- and local-currency deposit and issuer ratings from B2 to B1.
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Shinhan Financial Group Member Companies in Vietnam Join Hands to Donate Bicycles, Helping Disadvantaged Students Get to School
Ho Chi Minh City, 9 October 2026 – Member companies of Shinhan Financial Group in Vietnam jointly organised “Bike Run”, donating 81 bicycles worth a total of VND 200 million to disadvantaged students in Binh Quoi Ward, Ho Chi Minh City. Under the theme “One Shinhan”, the programme reflects the member companies’ collective commitment to supporting local communities and encouraging students on their educational journey.
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Central bank plans to enhance monitoring to prevent money laundering
Under an SBV draft circular on the procedures for monitoring activities within the monetary and banking sectors, the SBV proposed to incorporate information regarding bank executives, major foreign shareholders, VIP clients and politically exposed persons into its anti-money laundering supervisory data system, categorised by risk level.
