Policy Advice
VNBA actively completes draft Code of Conduct in debt collection
On the morning of August 22, 2025, in Hanoi, the Vietnam Banks Association (VNBA) held a meeting of the Drafting Committee of the Code of Conduct in Debt Collection Activities to provide comments on the second draft of the Code. Dr. Nguyen Quoc Hung - Vice President and General Secretary of VNBA chaired the meeting.
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Banks struggle to keep up with CAR standards upgrade
Despite ongoing efforts by banks to raise capital and improve their capital adequacy ratios (CARs), the pace of improvement remains slow.
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VNBA seeks solutions to remove obstacles regarding to the VAT Law 2024
On July 28, 2025, the Vietnam Banks Association (VNBA) held an important meeting in Hanoi to summarize the difficulties and problems that member credit institutions (CIs) are facing related to the Law on Value Added Tax (VAT) 2024 and Decree No. 181/2025/ND-CP detailing a number of articles of the Law on Value Added Tax. The meeting's objective is to finalize a petition to be sent to state management agencies, aiming for a unified, transparent and effective legal environment.
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Completing the cross-border QR code payment Handbook
On July 23, 2025 in Hanoi, Vietnam Banks Association (VNBA) held an important meeting to complete the draft Handbook on providing, operating and using cross-border QR Code payment services. The meeting was chaired by Dr. Nguyen Quoc Hung, Vice Chairman cum General Secretary of VNBA, with the participation of representatives of many credit institutions. This is an important step in building a clear and practical legal and technical framework to promote international electronic payment in Vietnam.
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VNBA and MOJ dialogue to remove legal "bottlenecks" for banking
On the afternoon of July 15, 2025, the Vietnam Banks Association (VNBA) had a working session with the working delegation of the Ministry of Justice (MOJ) to discuss and review difficulties and obstacles in legal regulations related to banking activities.
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VNBA held a discussion on the Draft Circular on the operations of AMCs
Hanoi, July 2, 2025 – The Vietnam Banks Association (VNBA) held a seminar on the Draft Circular regulating the operations of subsidiaries and affiliates of credit institutions (CIs) in the field of debt management and asset exploitation (AMC). The meeting was chaired by Dr. Nguyen Quoc Hung, Vice Chairman and General Secretary of VNBA, with the participation of representatives of the State Bank of Vietnam (SBV) and CIs and AMCs.
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Central bank proposes mandatory bank transfers for gold
A key change in the draft decree is a provision requiring bank transfers for gold transactions valued at VNĐ20 million (US$765) and above, to enhance transparency and verify customer identities.
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VNBA seeks members' opinions on the draft Decree amending Decree No.125/2020/ND-CP
The Vietnam Bank Association (VNBA) has just sent an official dispatch to the General Directors of member organizations to seek opinions on the draft Decree amending Decree No.125/2020/ND-CP on administrative sanctions for tax and invoice violations.
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SBV Governor calls for overhaul of FDI attraction strategy to drive stronger growth
The analysis from an investment perspective shows that the economy’s growth has been heavily capital‑driven, yet efficiency remains low as reflected by Việt Nam's Incremental Capital-Output Ratio (ICOR) being significantly higher than global and regional averages. This underscores the imperative to enhance capital‑use efficiency.
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More credit policies to encourage organic and circular agriculture
The Government has just issued Decree No. 156/2025/ND-CP dated June 16, 2025 amending and supplementing a number of articles of Decree No. 55/2015/ND-CP dated June 9, 2015 of the Government on credit policy for agricultural and rural development, which has been amended and supplemented by a number of articles according to Decree No. 116/2018/ND-CP dated September 7, 2018 of the Government.
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VNBA seeks members' opinions on draft Circular amending Circular 22
The Vietnam Banks Association (VNBA) has just sent an official dispatch to the General Directors of member organizations to seek opinions on the draft Circular guiding the procedures and documents for approving the list of expected personnel of commercial banks, non-bank credit institutions and foreign bank branches as prescribed in Circular No. 22/2018/TT-NHNN (Circular 22).
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VNBA seeks members' opinions on draft Circular amending Circular 63
The Vietnam Banks Association (VNBA) has just sent an official dispatch to the General Directors of member organizations to seek opinions on the draft Circular amending and supplementing a number of articles of Circular No. 63/2024/TT-NHNN (Circular 63).
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Difficulties and legal challenges in digital banking transformation
On May 23, 2025, in Nha Trang City, Khanh Hoa, the Banking Law Club, Vietnam Banks Association organized a discussion and sharing on the implementation and application of newly issued legal regulations related to banking activities and issues that credit institutions (CIs) need to pay attention to.
