Decree No. 14/2026/TT-NHNN Amending and Supplementing Certain Articles of Circulars on Microfinance Financial Institutions' Organizational Structure Related to Streamlining, Delegating, and Simplifying Administrative Procedures

AMENDING AND ENRICHING CERTAIN ARTICLES OF CIRCULATIONS RELATING TO THE REDUCTION, DELEGATION, SIMPLIFICATION OF ADMINISTRATIVE PROCEDURES FOR MICROFINANCE FINANCIAL ORGANIZATIONS

BASED ON THE VIETNAM NATIONAL BANK LAW NO. 46/2010/QH12;

BASED ON THE CREDIT INSTITUTIONS LAW NO. 32/2024/QH15, AMENDED AND ENACTED BY LAWS NO. 96/2025/QH15;

BASED ON THE ENTERPRISE LAW NO. 59/2020/QH14, AMENDED AND ENACTED BY LAWS NO. 03/2022/QH15 AND NO. 76/2025/QH15;

BASED ON THE GOVERNMENT DECREE NO. 26/2025/NĐ-CP REGULATING THE FUNCTION, MISSION, POWERS, AND ORGANIZATIONAL STRUCTURE OF THE VIETNAM NATIONAL BANK;

IN ACCORDANCE WITH THE REQUEST OF THE DIRECTOR OF THE CREDIT INSTITUTIONS SYSTEM SAFETY MANAGEMENT DEPARTMENT;

THE GOVERNOR OF THE VIETNAM NATIONAL BANK ISSUES THIS CIRCULAR TO AMEND AND ENRICH CERTAIN ARTICLES OF CIRCULATIONS RELATING TO THE REDUCTION, DELEGATION, SIMPLIFICATION OF ADMINISTRATIVE PROCEDURES FOR MICROFINANCE FINANCIAL ORGANIZATIONS

CHAPTER I

AMENDING AND ENRICHING CERTAIN ARTICLES OF CIRCULATION NO. 19/2025/TT-NHNN REGULATING THE OPERATIONAL NETWORK OF MICROFINANCE FINANCIAL INSTITUTIONS, AMENDED AND ENRICHED BY CIRCULATION NO. 64/2025/TT-NHNN

ARTICLE 1.

AMEND AND ENRICH SOME CLAUSES OF ARTICLE 4 1. Amend and enrich clause 2 as follows:

2. The authority of the Director of the Credit Institutions Supervision Department:

“a) Approve the establishment of a branch office of a microfinance financial institution;

b) Require the cessation of operations and liquidation of a branch office of a microfinance financial institution.”

2. Amend and enrich clause 3 as follows:

3. The authority of the Deputy Governor of the Vietnam National Bank Regional Branch:

“a) Approve the establishment of a representative office, unit of a microfinance financial institution;

b) Approve changes in the location of the regional branch, branch office of a microfinance financial institution within its jurisdiction, including cases where such changes are made before the commencement of operations;

c) Approve voluntary cessation of operations and liquidation of a regional branch, branch office of a microfinance financial institution;

d) Require the cessation of operations and liquidation of a representative office, unit of a microfinance financial institution.”

ARTICLE 2. AMEND AND ENRICH ARTICLE 14

ARTICLE 14. APPLICATION FOR APPROVAL OF ESTABLISHMENT OF BRANCH OFFICE, BRANCH, REPRESENTATIVE OFFICE, UNIT OF A MICROFINANCE FINANCIAL INSTITUTION

“1. The document from the microfinance financial institution requesting approval of establishment of a branch office, branch, representative office, unit to be placed at the Vietnam National Bank or the Vietnam National Bank Regional Branch where the proposed headquarters is located in accordance with the format specified in Appendix I attached hereto.

2. Resolution or Decision of the Board of Directors on the establishment of a branch office, branch, representative office, unit. For the establishment of a branch office, the resolution or decision of the Board of Directors must specify the name and proposed location (information to the commune level) of the regional branch managing the branch office, the business activities that the branch office will conduct, and the geographical scope of operations. 3. Establishment plan for a branch office, which must include at least the following contents: a) Full name in Vietnamese, abbreviated name in Vietnamese; proposed headquarters address (information to the commune level), business activities of the branch office of the microfinance financial institution;

b) Organizational structure of the branch office; key personnel (branch manager, accounting staff and other key positions as per internal regulations of the microfinance financial institution);

c) Agreement or Memorandum of Understanding between the microfinance financial institution and a political-social organization or local government regarding cooperation in lending through a loan fund;

d) Business plan for the first three years of operation, including at least:

(i) Analysis of business environment (opportunities, challenges);

(ii) Target customers and products to be offered;

(iii) Projected balance sheet, financial performance report, basis for developing the plan and explanation of feasibility in each year.”.

d) Business plan for the first three years of operation, which shall at a minimum include:

(i) Analysis of business environment (opportunities and challenges);

(ii) Target customers and products to be offered;

(iii) Projected balance sheet, income statement, basis for developing the plan and explanation of feasibility in each year.”

Article 3. Amendment and Supplement to Article 16

“Article 16. Procedure for Approval of Branch Office, Representative Office, Unit of Microfinance Institution

1. A microfinance institution shall prepare one set of application documents corresponding to each type of network layout as stipulated inParagraph 14 of this Circular and submit it to the Department of Supervision of Credit Institutions or the Regional Branch of the State Bank of Vietnam where the proposed headquarters of the representative office, unit is located. gửi Cục Quản lý, giám sát tổ chức tín dụng hoặc Ngân hàng Nhà nước chi nhánh Khu vực nơi dự kiến đặt trụ sở 2. Within seven working days from the date of receipt of the application documents as specified in Paragraph 1 above, the Department of Supervision of Credit Institutions or the Regional Branch of the State Bank of Vietnam shall issue a written confirmation to the microfinance institution that the application is complete; if the application is incomplete and not compliant, they shall request the microfinance institution to supplement and perfect it..

2. Trong thời hạn 07 ngày làm việc kể từ ngày nhận được hồ sơ quy định tại khoản 1 Điều này, Cục Quản lý, giám sát tổ chức tín dụng hoặc 3. The microfinance institution shall supplement and perfect the documents within a maximum period of sixty days from the date of receipt of the request for supplementation and perfection issued by the Department of Supervision of Credit Institutions or the Regional Branch of the State Bank of Vietnam. If the documents are not supplemented, perfected, and submitted in full and compliant after this period, the microfinance institution must resubmit the application as specified in Paragraph 1 above to the Department of Supervision of Credit Institutions or the Regional Branch of the State Bank of Vietnam for reconsideration and approval. có văn bản gửi tổ chức tài chính vi mô xác nhận đủ hồ sơ hợp lệ, trường hợp hồ sơ chưa đầy đủ và hợp lệ có văn bản yêu cầu tổ chức tài chính vi mô bổ sung, hoàn thiện.

Tổ chức tài chính vi mô bổ sung, hoàn thiện hồ sơ trong thời hạn tối đa 60 ngày kể từ ngày nhận được văn bản yêu cầu bổ sung, hoàn thiện hồ sơ của Cục Quản lý, giám sát tổ chức tín dụng hoặc Ngân hàng Nhà nước chi nhánh Khu vực. Quá thời hạn này mà không bổ sung, hoàn thiện hồ sơ đầy đủ và hợp lệ, tổ chức tài chính vi mô phải gửi lại hồ sơ theo quy định tại khoản 1 Điều này để Cục Quản lý, giám sát tổ chức tín dụng hoặc Ngân hàng Nhà nước chi nhánh Khu vực xem xét, chấp thuận.

3. Within seven working days from the date of receipt of a complete set of compliant documents, the Department of Supervision of Credit Institutions shall issue a written request to the Regional Branch of the State Bank of Vietnam where the microfinance institution is proposed to be located for comments on:

(a) The necessity of establishing or adding a branch office;

(b) Proposed areas for opening branch offices;

(c) Compliance with the conditions stipulated in this Circular regarding the management of the proposed branch office within its jurisdiction.

Trong thời hạn 05 ngày làm việc kể từ ngày nhận được văn bản của Cục Quản lý, giám sát tổ chức tín dụng, Ngân hàng Nhà nước chi nhánh Khu vực có ý kiến tham gia bằng văn bản về các nội dung được đề nghị.

4. Within five working days from the date of receipt of the request, the Regional Branch of the State Bank of Vietnam shall provide written comments on the matters requested.

(5) Within twelve months from the date of the approval document issued by the Department of Supervision of Credit Institutions or the Regional Branch of the State Bank of Vietnam as specified in Paragraph 4 above, the microfinance institution must commence operations for the branch office, representative office, or unit. If this period is exceeded without commencing operations, the approval document shall automatically lapse.

Article 4. Amendment and Supplement to Paragraph 3 of Article 17

“3. A microfinance institution shall submit a written notification to the Regional Branch of the State Bank of Vietnam where its branch office, branch, representative office, or unit is located at least fifteen days before the proposed date of commencement of operations. thông báo về The notification should include:

(a) The proposed date for commencing operations;

(b)The matter of compliance with the operational requirements as specified in Paragraph 1, Paragraph 2 of this Circular;hoàn (c) Information about the head of the institution, information on the name, and address of the branch office, branch, representative office, or unit. này;

c) Information about the head of the organization, information about the name, address of the branch, business office, representative office, and public institution.”

Article 5. Amendment and Supplement to Point b of Clause 2, Article 26

“b) Within fifteen days from the date of receipt of a complete application file as provided in Clause 1 of this Article, the Regional Branch of the State Bank of Vietnam shall issue a written approval to the microfinance financial institution's application. In case of non-approval, the Regional Branch of the State Bank of Vietnam must respond in writing and state the reasons.

Article 6. Amendment and Supplement to Article 27

“Article 27. Mandatory Termination of Operations, Dissolution of Branches, Business Outlets, and Units

1. The branches, business outlets, representative offices, or units of a microfinance financial institution shall be ordered to terminate their operations and dissolve in the following cases:

a) There is evidence proving that the application file for establishing a branch, business outlet, representative office, or unit contains false information leading to an incorrect assessment of compliance with establishment criteria;

b) Changing the location of the head office of a branch or business outlet without prior written approval;

c) Engaging in activities not in accordance with the permitted scope as stipulated by law.

2. Upon discovering any of the cases provided for in Clause 1, the State Bank of Vietnam's Inspectorate, or the Regional Branch of the State Bank of Vietnam where the microfinance financial institution has its head office branch or business outlet shall submit a written report to the Governor of the State Bank of Vietnam (in case of termination and dissolution of branches) or send a report to the Department of Supervision and Management of Credit Institutions (in case of termination and dissolution of business outlets), requesting the termination and dissolution of the microfinance financial institution's branch or business outlet, specifying the reasons for such request.

3. Within twenty days from the date of receipt of the application for termination and dissolution of a branch or business outlet as provided in Clause 2, or during the supervision process if any case provided for in Clause 1 is discovered, the Department of Supervision and Management of Credit Institutions shall issue (in case of termination of a business outlet) or submit to the Governor of the State Bank of Vietnam (in case of termination of a branch) a written request requiring the microfinance financial institution to terminate its operations and dissolve the branch or business outlet.

4. Upon discovering any of the cases provided for in Clause 1, the State Bank of Vietnam's Inspectorate, Department of Supervision and Management of Credit Institutions shall send a written report to the Regional Branch of the State Bank of Vietnam where the microfinance financial institution has its representative office or unit, requesting the termination and dissolution of such representative office or unit, specifying the reasons for such request., 5. Within twenty days from the date of receipt of the application for termination and dissolution of a representative office or unit as provided in Clause 4, or during the management process if any case provided for in Clause 1 is discovered, the Regional Branch of the State Bank of Vietnam shall issue a written request to the microfinance financial institution requiring it to terminate its operations and dissolve the representative office or unit.

6. Within ninety days from the date of the Governor's or the Regional Branch of the State Bank of Vietnam's written request for termination and dissolution of branches, business outlets, representative offices, or units as provided in Clause 6, the microfinance financial institution must complete the termination and dissolution process of its branches, business outlets, representative offices, or units and submit a written report to the Governor (in case of branch or business outlet termination) or the Regional Branch of the State Bank of Vietnam (in case of representative office or unit termination) regarding the results of implementation and the date of termination.

7. Within the time limit provided in Clause 6, if a microfinance financial institution's branch is ordered to terminate its operations, it must complete the process of changing the management branch or terminating the operations of subordinate business outlets that are also being dissolved. In case of the termination of a business outlet as provided for in this clause, the microfinance financial institution must transfer all assets, files, rights, and obligations related to such business outlet to its head office or another branch for continued management and debt recovery in accordance with the law."

7. Trong thời hạn quy định tại khoản 6 Điều này, trường hợp chấm dứt hoạt động, giải thể chi nhánh, tổ chức tài chính vi mô phải hoàn tất việc thay đổi chi nhánh quản lý hoặc chấm dứt hoạt động các phòng giao dịch trực thuộc chi nhánh bị chấm dứt hoạt động, giải thể. Trường hợp chấm dứt hoạt động của phòng giao dịch theo quy định tại khoản này, tổ chức tài chính vi mô phải chuyển giao toàn bộ tài sản, hồ sơ, quyền và nghĩa vụ liên quan của phòng giao dịch đó về trụ sở chính hoặc một chi nhánh khác để tiếp tục quản lý, thu hồi công nợ theo quy định của pháp luật.”

Article 7. Amendment and Supplement to Certain Clauses of Article 32

1. Amend and supplement Clause 2 as follows:

“2. Receive application documents, approve or disapprove in accordance with the provisions at Articles 16, 20, and 26 of this Circular for cases within the jurisdiction of the Deputy Governor of the State Bank of Vietnam Regional Branch as specified in Clause 3 of Article 4 of this Circular.”

2. Amend and supplement Clause 5 as follows:

“5. Within five working days from the date of the approval document issued by the Regional Branch of the State Bank of Vietnam according to its jurisdiction as specified in Clause 3 of Article 4 of this Circular or from the date of receipt of notification or report from the microfinance financial institution as provided for in this Circular, the Regional Branch of the State Bank of Vietnam shall issue a written communication to the State Bank of Vietnam with the following contents:

a) Opening of branch office, business outlet, representative office, public service unit;

b) Change of name or location of branch office, business outlet, representative office, public service unit;

c) Change in management of business outlet;

d) Voluntary cessation of operations and liquidation of branch office, business outlet, representative office, public service unit;

e) Establishment of representative office, public service unit;

f) Compulsory cessation of operations and liquidation of representative office, public service unit.”.

Article 8. Amendment and Supplement to Certain Points of Clause 1 of Article 33

1. Amend and supplement Point d as follows:

“d) The focal point for examining and submitting the matter to the Governor of the State Bank of Vietnam for handling any issues arising in connection with the establishment, cessation of operations, or liquidation of a microfinance financial institution’s branch office;

2. Amend and supplement Point đ as follows:

“đ) Provide copies of approval documents for establishing branches and business outlets as provided atArticles 15 and 16 of this Circularto the Regional Branch of the State Bank of Vietnam where the microfinance financial institution intends to establish its branch office, so that it can be communicated to the relevant business registration authority;”.

3. Amend and supplement Point g as follows:

“g) Receive reports and notifications from the Regional Branch of the State Bank of Vietnam and the microfinance financial institution in accordance with the provisions atClause 6 of Article 27, Clause 5 of Article 32 of this Circular..”.

Article 9. Replace the Annex attached to Circular No. 19/2025/TT-NHNN

Replace Annex I and Annex III issued together with Circular No. 19/2025/TT-NHNN with Annex I and Annex III issued together with this Circular.

Chapter II

AMENDMENT AND SUPPLEMENT TO CERTAIN ARTICLES OF CIRCULAR NO. 54/2025/TT-NHNN ON THE PROCEDURE FOR ISSUING LICENSES, ORGANIZATION, AND OPERATIONS OF MICROFINANCE FINANCIAL INSTITUTIONS

Article 10. Amendment and Supplement to Certain Clauses of Article 4

1. Amend and supplement Clause 2 as follows:

“2. The Director of the Department of Management and Supervision of Credit Institutions shall examine and approve the list of candidates for election or appointment as members of the Board of Directors, members of the Audit Committee, and Chief Executive Officer (President) of a microfinance financial institution.” Add Clause 3 as follows:

2. 3. The Deputy Governor of the State Bank of Vietnam Regional Branch where the head office of the microfinance financial institution is located shall decide to issue copies from the original register of the license to the microfinance financial institution.”.

“Article 11. Amendment of Title and Amendment, Supplement, and Abolition of Certain Clauses of Article 6

1. Amend the title as follows:

1. Sửa đổi tên Điều như sau:

“Article 6. Principles of Establishment, Submission, Receipt, and Return of Results”.

Paragraph 6 is repealed.

Paragraph 7 is amended and supplemented as follows:

“"7. Requests for supplementary documents, responses, confirmations, approvals, and the License issued by the State Bank of Vietnam may be in paper form or electronic document."

Article 12. Paragraph d(ii) and paragraph d(v) of Article 7 are repealed.

Article 13. Paragraph 1 of Article 9 is amended and supplemented.

"1. Prepare one set of Application Documents for Approval in Principle as provided in paragraph 1 of Article 7 or paragraph 1 of this Circular, and submit it to the State Bank of Vietnam."

The State Bank of Vietnam shall access necessary information from national databases and industry-specific databases when examining and assessing corresponding information about business registration of founding members of microfinance organizations; residence, legal history, diplomas, certificates, proof of experience, professional qualifications of personnel proposed for election or appointment as members of the Board of Directors, Board of Supervisors, Chief Executive Officer (CEO) of a microfinance organization.

In case information cannot be accessed from national databases or industry-specific databases, or if the accessed information is incomplete, the State Bank of Vietnam shall request the preparatory body to provide supplementary documents, materials, or confirmations from competent authorities as required by law to substantiate information about business registration of founding members of microfinance organizations; information about residence, diplomas, certificates, proof of experience, professional qualifications of personnel proposed for election or appointment as members of the Board of Directors, Board of Supervisors, Chief Executive Officer (CEO) of a microfinance organization..”.

Article 14. Paragraph 1 of Article 11 is amended and supplemented.

Replace the phrase "State Bank of Vietnam" with the phrase "Branch of State Bank of Vietnam in the Region".

Article 15. Paragraphs and provisions of Article 20 are amended, repealed.

1. Provision 4 is repealed.

2. Paragraph 6 is amended and supplemented as follows:

"6. Diplomas and certificates issued by foreign educational institutions shall be recognized by competent authorities of Vietnam in accordance with relevant laws (if applicable);".

Article 16. Paragraph 1 of Article 21 is amended and supplemented.

"1. Microfinance organizations prepare one set of documents as provided in Article 20 of this Circular to submit to the State Bank of Vietnam for approval of proposed personnel list.

The State Bank of Vietnam shall access necessary information from national databases and industry-specific databases when examining and assessing corresponding information about residence, legal history, diplomas, certificates, proof of experience, professional qualifications of personnel proposed for election or appointment as members of the Board of Directors, Board of Supervisors, Chief Executive Officer (CEO) of a microfinance organization.

In case information cannot be accessed from national databases or industry-specific databases, or if the accessed information is incomplete, the State Bank of Vietnam shall request the microfinance organization to provide supplementary documents, materials, or confirmations from competent authorities as required by law to substantiate information about residence and diplomas of personnel proposed for election or appointment..”.

Article 17. Paragraphs and provisions of Article 30 are amended, repealed.

1. Provision b is repealed.

2. Provision c is amended and supplemented as follows:

“c) Serve as the lead entity for reviewing the application documents, seeking opinions from relevant units; submit a document to the Governor of the State Bank of Vietnam requesting information on the criminal history of personnel proposed for election or appointment as members of the Board of Directors, Board of Supervisors, Chief Executive Officer (CEO) of a microfinance organization in cases where related criminal history information cannot be accessed from national databases or industry-specific databases, or if the accessed information is incomplete; submit an approval or non-approval document for the proposed list of individuals to be elected or appointed as members of the Board of Directors, Board of Supervisors, Chief Executive Officer (CEO) of a microfinance organization."

Article 18. Amendment and Supplement to Article 31

“Article 31. Responsibilities of the Regional Branch of the State Bank of Vietnam for Microfinance Institutions

1. Issuing copies of licenses from the original register in accordance with paragraph 1 of this Circular's Article 11Paragraph 2. Conducting inspections, supervision, and handling violations by subordinate units of microfinance institutions within their jurisdiction in accordance with laws..

Paragraph 3. Providing comments to the State Bank of Vietnam (Department of Supervision and Management of Credit Institutions) in accordance with point c of paragraph 3 of this Circular's Article 9

Paragraph 4. Providing written comments based on the form atAppendix XIII.

issued together with this Circular upon the request of the Department of Supervision and Management of Credit Institutions in accordance with point c of paragraph 1 of this Circular's Article 30within a period of five working days from the date of receipt of the request document.Paragraph 5. After receiving notification from the microfinance institution regarding its operational conditions as stipulated inThe Law on Credit Institutions,inspect, direct, supervise, and monitor the microfinance institution to ensure compliance with legal requirements and those of the State Bank of Vietnam before commencing operations and report to the State Bank of Vietnam (Department of Supervision and Management of Credit Institutions) on the conditions and progress of the operational commencement.

Paragraph 6. Direct, guide, supervise, and inspect microfinance institutions operating within their jurisdiction in implementing the provisions of this Circular.”Article 19. Amendment and Supplement to Appendix XReplace the phrase “Department of Supervision and Management of Credit Institutions” with the phrase “Regional Branch of the State Bank of Vietnam”.

Chapter III

Amendment and Supplement to Certain Articles of Circular No. 56/2025/TT-NHNN Regulating the Procedures for Approval Changes of Microfinance Institutions

Amend and supplement point b of paragraph 1 of Article 4 as follows:

“b) The Director of the Regional Branch of the State Bank of Vietnam approves any changes to the microfinance institution as stipulated in this Circular.”

Article 20. Amendment and Supplement to Point b of Paragraph 1 of Article 4

Amend and supplement paragraph 2 of Article 5 as follows:

“2. Procedure for implementing approval procedures: 5, 6 a) The microfinance institution prepares the application in accordance with the provisions of paragraph 1 of this article and submits it to the Regional Branch of the State Bank of Vietnam where the microfinance institution is headquartered. If the application is incomplete or not compliant, within three working days from the date of receipt of the application, the Regional Branch of the State Bank of Vietnam issues a written request for the microfinance institution to supplement the application;

b) Within

“0 days from the date of receiving a complete and compliant application, the Regional Branch of the State Bank of Vietnam issues a decision amending or supplementing the license of the microfinance institution. In case of rejection, the Regional Branch of the State Bank of Vietnam responds in writing and specifies the reasons.”

Article 21. Amendment and Supplement to Paragraph 2 of Article 5 Amend and supplement paragraph 3 as follows: 3. The decision amending or supplementing the license in accordance with paragraph 2 of this article becomes effective within a period of twelve months from the date of signing.

Amend and supplement paragraph 4 as follows: 4. In case of a change in address but no change in the location of the headquarters, the microfinance institution submits to the Regional Branch of the State Bank of Vietnam where it is headquartered a written request 1for approval of the changed

address of the headquarters according to the form at Appendix III issued together with this Circular. Within five working days from the date of receipt of the request document from the microfinance institution, the Regional Branch of the State Bank of Vietnam issues a decision amending or supplementing the license for the changed address of the microfinance institution.”

1. Sửa đổi, bổ sung điểm c khoản 1 như sau:

“c) Văn bản, tài liệu chứng minh tổ chức tài chính vi mô có quyền sử dụng hoặc sở hữu hợp pháp trụ sở tại địa điểm mới theo quy định của pháp luật có liên quan.

Đối với văn bản, tài liệu chứng minh tổ chức tài chính vi mô có quyền sử dụng hoặc sở hữu hợp pháp trụ sở tại địa điểm mới là Giấy chứng nhận quyền sử dụng đất, quyền sở hữu tài sản gắn liền với đất và dữ liệu thông tin về Giấy chứng nhận quyền sử dụng đất, quyền sở hữu tài sản gắn liền với đất đó có trong cơ sở dữ liệu quốc gia về đất đai, tổ chức tài chính vi mô bổ sung thông tin về mã Giấy chứng nhận quyền sử dụng đất, quyền sở hữu tài sản gắn liền với đất tại văn bản đề nghị quy định tại điểm a khoản này. Trong trường hợp này, tổ chức tài chính vi mô không cần nộp Giấy chứng nhận quyền sử dụng đất, quyền sở hữu tài sản gắn liền với đất.

Trường hợp Ngân hàng Nhà nước chi nhánh Khu vực nơi tổ chức tài chính vi mô dự kiến đặt trụ sở chính không khai thác được thông tin trên cơ sở dữ liệu quốc gia về đất đai hoặc thông tin khai thác được không đầy đủ, không chính xác, Ngân hàng Nhà nước chi nhánh Khu vực nơi tổ chức tài chính vi mô dự kiến đặt trụ sở chính đề nghị tổ chức tài chính vi mô nộp bổ sung bản sao Giấy chứng nhận quyền sử dụng đất, quyền sở hữu tài sản gắn liền với đất.”.

2. Sửa đổi, bổ sung khoản 2 như sau:

“2. Trình tự thực hiện thủ tục chấp thuận:

a) Tổ chức tài chính vi mô lập hồ sơ theo quy định tại khoản 1 Điều này gửi Ngân hàng Nhà nước chi nhánh Khu vực nơi dự kiến đặt trụ sở chính. Trường hợp hồ sơ chưa đầy đủ, hợp lệ, trong thời hạn 03 ngày làm việc kể từ ngày nhận được hồ sơ, Ngân hàng Nhà nước chi nhánh Khu vực có văn bản yêu cầu tổ chức tài chính vi mô bổ sung hồ sơ;

b) Trong thời hạn 14 ngày kể từ ngày nhận đủ hồ sơ hợp lệ, Ngân hàng Nhà nước chi nhánh Khu vực ra quyết định sửa đổi, bổ sung Giấy phép của tổ chức tài chính vi mô. Trường hợp từ chối, Ngân hàng Nhà nước chi nhánh Khu vực trả lời bằng văn bản và nêu rõ lý do.”.

3. Sửa đổi, bổ sung khoản 3 như sau:

“3. Quyết định sửa đổi, bổ sung Giấy phép theo quy định tại khoản 2 Điều này có hiệu lực trong thời hạn 12 tháng kể từ ngày ký.”.

4. Sửa đổi, bổ sung khoản 4 như sau:

“4. Trường hợp thay đổi địa chỉ nhưng không phát sinh thay đổi địa điểm đặt trụ sở chính, tổ chức tài chính vi mô gửi Ngân hàng Nhà nước chi nhánh Khu vực nơi đặt trụ sở chính văn bản đề nghị chấp thuận thay đổi địa chỉ đặt trụ sở chính theo mẫu tại Phụ lục III ban hành kèm theo Thông tư này.

Trong thời hạn 05 ngày làm việc kể từ ngày nhận được văn bản đề nghị của tổ chức tài chính vi mô, Ngân hàng Nhà nước chi nhánh Khu vực ra quyết định sửa đổi, bổ sung Giấy phép đối với nội dung thay đổi địa chỉ đặt trụ sở chính của tổ chức tài chính vi mô.”.

Article 23. Amendment and Supplement to Point (iv) of Clause 1, Article 11

“(iv) A resume of the shareholder representative as per the template specified in Appendix VIII attached to this Circular;

Article 24. Amendment and Supplement to Certain Points and Paragraphs of Article 13

1. Abolish Point c of Clause 1.

2. Amend and supplement Point b of Clause 2 as follows:

“b) Within a period of ten working days from the receipt of a complete application, the State Bank of Vietnam shall issue a written approval to temporarily suspend transactions for five working days of the microfinance institution; In case of rejection, the State Bank of Vietnam shall respond in writing and specify the reasons.. Article 25. Amendment and Supplement to Clause 1, Article 14

1. The responsibilities of the Department for Supervision and Management of Credit Institutions:

“a) As the main point of contact for receiving applications and reviewing matters to be submitted to the Governor of the State Bank of Vietnam for examination and decision on changes in microfinance institutions as stipulated in Articles 7, 8, 9, 10, 11, 12, and 13 of this Circular;

b

) Submit to the Governor of the State Bank of Vietnam:(i) A written request for the data management authority to provide information related to the criminal history of the shareholder representative

, criminal record of new equity contributors when processing an application for approval as per the provisions of Article 11 of this Circular in cases where relevant information on the criminal history cannot be obtained from the national database, specialized databases, or insufficiently accessed information;(ii) A written request for the opinion of the People's Committee of the province or municipality directly under the Central Government where the microfinance institution is located regarding the purchase and transfer of all equity shares by the owner when processing an application for approval as per the provisions of Article 12 of this Circular; c) Seek the opinion of the State Bank of Vietnam branch in the following cases: (i) Extension of the operational period of the microfinance institution; (ii) Purchase and transfer of all equity shares by the owner of the microfinance institution; d) Notify relevant documents, decisions amending or supplementing the license;

for matters specified

in Articles 7, 8, 9, 10, 11, 12, and 13 of this Circular

to the State Bank of Vietnam branch where the microfinance institution is located;

d) Within a period of five working days from the issuance of decisions amending or supplementing licenses for matters specified in Articles 7, 8, 9 of this Circular

, the Department for Supervision and Management of Credit Institutions shall be responsible for notifying by written communication attached to such decisions to the business registration authority to update the national enterprise registration information system. Article 26. Amendment and Supplement to Article 15 Article 1 . The responsibilities of the State Bank of Vietnam branch in the region:

Head office for receiving, reviewing applications, and examining and deciding on amendments or supplements to licenses for matters specified in Articles 5 and 6 of this Circular.2. The State Bank of Vietnam branch where the microfinance institution is projected to be locatedshall seek the opinion of the People's Committee of the province or municipality directly under the Central Government where the microfinance institution”.

is projected to be located

“regarding changes in the location of the head office of the microfinance institution when it lies outside the administrative region of the province or municipality where the microfinance institution currently has its head office, as per the provisions of Article 6 of this Circular.5Send decisions amending or supplementing licenses for matters specified in Articles 5 and 6 of this Circular to the Department for Supervision and Management of Credit Institutions.

1. Within a period of five working days from the issuance of decisions amending or supplementing licenses for matters specified in Articles 5, 6 of this Circular

, the State Bank of Vietnam branch shall be responsible for notifying by written communication attached to such decisions to the business registration authority to update the national enterprise registration information system.5. Within a period of seven working days from the receipt of reports from microfinance institutions as per the provisions of paragraph 3 of this Circular, the State Bank of Vietnam branch shall:

3. a) Inspect whether the head office of the microfinance institution meets the conditions set by the Governor of the State Bank of Vietnam for microfinance institutions;

4. b) Issue a written confirmation of compliance or non-compliance with requirements to operate at the new location.6. Participate in providing comments on the extension and, sale, transfer of all equity shares by the owner as per requests from the Department for Supervision and Management of Credit Institutions.

5. Trong thời hạn 07 ngày làm việc kể từ ngày nhận được báo cáo của tổ chức tài chính vi mô theo quy định tại khoản 3 Điều 16 Thông tư này, Ngân hàng Nhà nước chi nhánh Khu vực:

a) Kiểm tra việc đáp ứng các điều kiện của trụ sở chính của tổ chức tài chính vi mô theo quy định của Thống đốc Ngân hàng Nhà nước về tổ chức tài chính vi mô;

b) Có biên bản xác nhận việc đáp ứng hoặc không đáp ứng các yêu cầu để được hoạt động tại địa điểm mới.

6. Tham gia ý kiến theo đề nghị của Cục Quản lý, giám sát tổ chức tín dụng về gia hạn thời hạn hoạt động và mua bán, chuyển nhượng toàn bộ Shareholder Capital of Microfinance Organizations.”

Chapter IV

CONDITIONS FOR IMPLEMENTATION

Article 27. Implementation Conditions

1. This Circular shall take effect from May 19, 2026.

2. This Circular shall repeal Article 7, Article 9, Clause 2 of Article 10, Article 13, Appendix I, and Appendix III of Circular No. 64/2025/TT-NHNN amending and supplementing certain provisions of Circular No. 19/2025/TT-NHNN on the operational network of microfinance organizations.

Article 28. Responsibilities for Implementation

The heads of units under the Vietnam National Bank, microfinance organizations shall be responsible for organizing the implementation of this Circular./.