Policy Advice
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 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.
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VNBA seeks members' opinions on draft Circular on AMC activities
The Vietnam Banking Association (VNBA) has just sent an official dispatch to the General Directors of member organizations to seek opinions on the draft Circular on the activities of subsidiaries and affiliated companies of credit institutions in the field of debt management and asset exploitation (AMC).
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Amending to the Circular on granting licenses to credit institutions
The Vietnam Banks Association (VNBA) has just sent an official dispatch to the General Directors of member organizations asking for opinions on the draft Circular amending and supplementing a number of articles of the Circular regulating the dossiers and procedures for granting first-time licenses to commercial banks, foreign bank branches and foreign representative offices, and non-bank credit institutions.
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Legalizing Resolution No. 42: An important step forward to improve the efficiency of bad debt handling
On April 18, 2025, the Vietnam Banking Association held a Seminar to provide comments on the draft Law amending and supplementing a number of articles of the Law on Credit Institutions (CIs) 2024.
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Draft Law amending and supplementing the Law on Enterprises
The Vietnam Banks Association (VNBA) has just sent an official dispatch to the General Directors of member organizations to solicit opinions on the draft Law amending and supplementing the Law on Enterprises.
