This Decree amends Point a, Clause 4, Article 20 of Decree No. 22/2019/TT-NNN regarding the limits and ratios ensuring safety in banking activities and branches of foreign banks. The purpose is to adjust the method for calculating deposits of organizations from within and outside the country.
적용 범위
The State Bank of Vietnam, foreign banks, branches of foreign banks, and related organizations
핵심 사항
- The State Bank of Vietnam → amends Point a, Clause 4, Article 20 of Decree No. 22/2019/TT-NNN regarding the limits and ratios ensuring safety in banking activities and branches of foreign banks.
- Credit institutions and branches of foreign banks → must comply with the new provisions on deposits from organizations within and outside the country (excluding margin payments, non-maturity deposits of the State Treasury, and 80% of the balance of maturity deposits of the State Treasury).
- The State Bank of Vietnam → abolishes the provision in Paragraph 1, Article 1 of Decree No. 26/2022/TT-NHNN.
- Units under the State Bank of Vietnam, banks, and related organizations → must implement this decree.
- This Decree takes effect from May 15, 2026.
🌐 이 문서의 사회적 영향
- Banks and branches of foreign banks will have to adjust their regulations on deposits from organizations within and outside the country according to the new provisions.
- Credit institutions may face difficulties in implementing these changes, but at the same time ensure greater financial safety.
❓ 자주 묻는 질문
Which provision of Decree No. 22/2019/TT-NNN is amended by Decree No. 08/2026/TT-NHNN?
This Decree amends Point a, Clause 4, Article 20 of Decree No. 22/2019/TT-NNN.
What new provisions on deposits must credit institutions comply with according to the new decree?
Credit institutions must comply with the provisions regarding deposits from organizations within and outside the country (excluding margin payments, non-maturity deposits of the State Treasury, and 80% of the balance of maturity deposits of the State Treasury).
When does this Decree take effect?
This Decree takes effect from May 15, 2026.
전문
|
STATE BANK OF VIETNAM REPUBLIC OF SOCIALIST REPUBLIC OF VIET NAM |
SOCIALIST REPUBLIC OF VIET NAM REPUBLIC - FREEDOM - HAPPINESSNo: |
|
/TT-NHNN 08/2026HANOI, DATE |
MONTH 15 YEAR 202 5 DECREE6 |
AMENDING AND ENRICHING
POINT a CLAUSE 4 ARTICLE 20 DECREE NO. 22/2019/TT-NHNN REGULATING LIMITS AND RISK PROVISION RATIOS FOR SAFETY IN THE ACTIVITIES OF BANKS, FOREIGN BRANCHES OF BANKS BASED ON THE VIETNAM STATE BANK LAW NO. 46/2010/QH12;
BASED ON THE CREDIT ORGANIZATIONS LAW NO. 32/2024/QH15 AMENDED AND ENRICHED BY THE LAW NO. 96/2025/QH15BASED ON DECREE NO. 26/2025/NĐ-CP OF THE GOVERNMENT REGULATING THE FUNCTION, MISSIONS, POWERS AND ORGANIZATIONAL STRUCTURE OF THE VIETNAM STATE BANK;
ACCORDING TO THE PROPOSAL OF THE DIRECTOR
DEPARTMENT OF SYSTEM SAFETY OF CREDIT ORGANIZATIONS GOVERNOR OF THE VIETNAM STATE BANK ISSUES THIS DECREE;
AMENDING AND ENRICHING
POINT a CLAUSE 4 ARTICLE 20 AS FOLLOWS: “a) Deposits of domestic and foreign organizations (including deposits of other credit institutions and foreign branches of banks), except for the following items: (i) Margin deposits and special-purpose funds of customers;;
(ii) Non-interest-bearing deposits of the State Treasury; (iii) 80% of the balance of time deposits of the State Treasury.” ARTICLE 1. AMEND AND ENRICH POINT a CLAUSE 4 OF ARTICLE 20 AS FOLLOWS: “a) Deposits of domestic and foreign organizations (including deposits of other credit institutions and foreign branches of banks), except for the following items:
(i) Margin deposits and special-purpose funds of customers;
(ii) Non-interest-bearing deposits of the State Treasury;
(iii) 80% of the balance of time deposits of the State Treasury.”
ARTICLE 2. EFFECTIVE DATE OF IMPLEMENTATION
1. THIS DECREE COMES INTO FORCE ON MAY 15, 2026.
2. THE PROVISIONS AT CLAUSE 1 OF ARTICLE 1 OF DECREE NO. 26/2022/TT-NHNN AMENDING AND ENRICHING SOME ARTICLES OF DECREE NO. 22/2019/TT-NHNN REGULATING LIMITS AND RISK PROVISION RATIOS FOR SAFETY IN THE ACTIVITIES OF BANKS, FOREIGN BRANCHES OF BANKS IS ABOLISHED.
ARTICLE 3. IMPLEMENTATION
HEADS OF UNITS UNDER THE VIETNAM STATE BANK, BANKS, FOREIGN BRANCHES OF BANKS AND RELATED ORGANIZATIONS AND INDIVIDUALS ARE RESPONSIBLE FOR IMPLEMENTING THIS DECREE.
Article 3. Implementation
The heads of units under the Vietnam National Bank, banks, foreign bank branches, and related organizations and individuals shall be responsible for organizing the implementation of this Circular.
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