Decision No. 327/2004/QĐ-NHNN on Adjusting the Ratio of VND Deposit Mobilization for Branches of Foreign Banks from European Union Countries Operating in Vietnam

Decision No. 327/2004/QĐ-NHNN adjusts the ratio of deposit mobilization in Vietnamese dong for branches of foreign banks from EU countries operating in Vietnam, allowing them to accept deposits from Vietnamese legal entities and individuals within certain limits. This decision takes effect from April 1, 2004.

Document No.327/2004/QĐ-NHNN
Document typeDecision
Issuing authorityState Bank of Vietnam
Signed byTrần Minh Tuấn — Phó Thống đốc
Updated30/06/2026
SectorLabour, War Invalids and Social Affairs
FieldUncategorized
Issued date01/04/2004
Effective date01/04/2004
Expiry date29/03/2005
StatusExpired
✦ Smart summary

Decision No. 327/2004/QĐ-NHNN adjusts the ratio of deposit mobilization in Vietnamese dong for branches of foreign banks from EU countries operating in Vietnam, allowing them to accept deposits from Vietnamese legal entities and individuals within certain limits. This decision takes effect from April 1, 2004.

Scope of application

Branches of foreign banks from EU countries operating in Vietnam

Key points

  • Branches of foreign banks from EU countries are permitted to accept deposits from Vietnamese legal entities up to 250% of their capital base, and from Vietnamese individuals up to 250% of their capital base.
  • This decision takes effect from April 1, 2004.
  • Previous regulations contrary to this decision shall cease to be enforced.
  • Heads of relevant units under the State Bank of Vietnam and General Directors (Directors) of branches of foreign banks are responsible for implementing this decision.

🌐 Social impact of this document

  • Positive impact: Enhancing the ability to mobilize funds for branches of foreign banks, supporting local economic development.
  • Negative impact: May put pressure on the Vietnamese banking system if too much external deposits flow in.

❓ Frequently asked questions

What is the maximum amount of deposits that branches of foreign banks from EU countries are allowed to accept?

Branches of foreign banks from EU countries are permitted to accept deposits from Vietnamese legal entities up to 250% of their capital base, and from Vietnamese individuals up to 250% of their capital base.

When does this decision take effect?

This decision takes effect from April 1, 2004.

What will happen to previous regulations contrary to this decision?

Previous regulations contrary to this decision shall cease to be enforced.

Who is responsible for implementing this decision?

The Director of the Office of the State Bank of Vietnam, the Head of the Department of Banks and Non-Bank Credit Institutions, the Heads of relevant units under the State Bank of Vietnam, and the General Directors (Directors) of branches of foreign banks are responsible for implementing this decision.

To which type of bank does this decision apply?

This decision applies to branches of foreign banks from EU countries operating in Vietnam.

Full text

STATE BANK OF VIETNAM
________

SOCIALIST REPUBLIC OF VIETNAM
Independence - Freedom - Happiness
______________________

Number: 327/2004/QĐ-NHNN

Hanoi, April 1, 2004

 

Pursuant to …; OF THE HEAD OF THE STATE BANK

Regarding the adjustment of the ratio for mobilizing VND deposits from domestic entities for branches of foreign banks of European Union countries operating in Vietnam
______________

GOVERNOR OF THE STATE BANK OF VIETNAM

- Pursuant to the Law on the State Bank of Vietnam No. 01/1997/QH10 dated December 12, 1997; the Law Amending and Supplementing Certain Articles of the Law on the State Bank of Vietnam No. 10/2003/QH11 dated June 17, 2003;

- Pursuant to the Law on Credit Institutions No. 02/1997/QH10 dated December 12, 1997;

- Pursuant to the Government Decree No. 86/2002/NĐ-CP dated November 5, 2002 stipulating the functions, tasks, powers, and organizational structure of ministries and ministerial-level agencies;

- Pursuant to the Government Decree No. 13/1999/NĐ-CP dated March 17, 1999 on the organization and operation of foreign credit institutions and representative offices of foreign credit institutions in Vietnam;

- Implementing the guidance of the Prime Minister in Circular No. 98/CP-QHQT dated October 31, 2003 and Circular No. 19/CP-QHQT dated March 29, 2004;

- At the proposal of the Director of the Department of Banks and Non-Bank Financial Institutions;

Pursuant to …;

Article 1.

Branches of foreign banks of European Union (EU) countries operating in Vietnam are permitted to accept VND deposits from Vietnamese legal entities with which the bank has no credit relationship up to a maximum of 250% of the authorized capital, and from Vietnamese individuals with whom the bank has no credit relationship up to a maximum of 250% of the authorized capital.

Article 2.

This Decision takes effect from April 1, 2004. Any previous provisions contrary to this Decision shall be repealed.

Article 3.

The Heads of the State Bank of Vietnam’s Office, the Director of the Department of Banks and Non-Bank Financial Institutions, the Heads of relevant units under the State Bank of Vietnam, and the General Directors (Directors) of branches of foreign banks of EU countries operating in Vietnam are responsible for implementing this Decision.

 

DIRECTOR
DEPUTY DIRECTOR

Tran Minh Tuan

 

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