Circular No. 04/2025/TT-NHNN on the retention period for banking sector files and documents

CIRCULAR

Regulations on the retention period for banking industry files and documents

Pursuant to the Law on Archives dated June 21, 2024;

Pursuant to the Law on the State Bank of Vietnam dated June 16, 2010;

Pursuant to the Law on Credit Institutions dated January 18, 2024;

cănspecialized agency under the People's Committee of the province/city.Decree No.26/2025/NĐ-CP date 24 months 02 year 2025 of the Government stipulates functions,dutiesand powers and organizational structure of theState Bank of Vietnam at the proposal of the Office Director State Bank of Vietnam;

The Governor of the State Bank of Vietnam issues this Circular to regulate the retention period for banking industry files and documents. ;

This Circular regulates the retention period for banking industry files and documents.

Article 1. Scope of Regulation

1. Units under the State Bank of Vietnam, credit organizations, foreign bank branches, deposit insurance organizations, service providers of intermediary payment services, and credit information activity organizations.

Article 2. Applicability

1. The retention period for files and documents refers to the necessary time for storing files and documents, calculated from the year the work ends.

2. Relevant agencies, organizations, and individuals.

Article 3. Retention Period for Records and Documents

2. This Circular annexes a table of retention periods for banking industry files and documents, including:

Group I: General files and documents of the banking industry; 

Group II: Files and documents related to monetary policy;

Group III: Files and documents related to payment activities;

Group IV: Files and documents related to credit activities;

Group V: Files and documents related to monetary and financial stability forecasting;

Group VI: Files and documents related to foreign exchange;

Group VII: Files and documents related to the money market;

Group VIII: Files and documents related to central bank accounting;

Group IX: Files and documents related to issuance and cash management;

Group X: Files and documents related to credit organization management and supervision for operational safety;

Group XI: Files and documents related to anti-money laundering;

Group XII: Files and documents related to credit information;

Group XIII: Files and documents related to deposit insurance.

3. The implementation of regulations on the retention period for files and documents as prescribed in this Circular shall be carried out as follows:

a) The level of determining the retention period for files and documents must not be lower than the retention period specified in the annex accompanying this Circular;

b) For files and documents formed in the activities of agencies, units, and organizations not covered by this Circular, such agencies, units, and organizations may apply a retention period equivalent to the corresponding group of files and documents prescribed in this Circular and relevant laws.

2. From the date this Circular takes effect, Circular No. 22/2021/TT-NHNN dated December 29, 2021, issued by the Governor of the State Bank of Vietnam regulating the preservation period for files and documents formed in the activities of the State Bank of Vietnam, shall cease to be effective.

Article 4. Implementation provisions

Article 32. Responsibilities of Agencies

3. As for files and documents that have been determined a preservation period according to Circular No. 22/2021/TT-NHNN dated December 29, 2021, issued by the Governor of the State Bank of Vietnam regulating the preservation period for files and documents formed in the activities of the State Bank of Vietnam, agencies, units, and organizations do not need to re-determine the retention period for these files and documents.

Heads of units under the State Bank, credit organizations, foreign bank branches, Deposit Insurance Corporation of Vietnam, service providers of intermediary payment services, credit information activity organizations, and related organizations and individuals are responsible for implementing this Circular./.

State-owned enterprises that have been assigned by the Ministry of Agriculture and Rural Development to conduct offshore wind power project surveys before the effective date of this Circular shall continue to implement according to the assigned documents; any new matters arising after the effective date of this Circular shall be implemented in accordance with the provisions of this Circular.

The heads of units under the State Bank, credit organizations, foreign bank branches, the Vietnam Deposit Insurance Corporation, service providers for payment intermediation, credit information operation organizations, and related individuals and entities are responsible for implementing this Circular./.