Circular 08/2026/TT-NHNN amending Circular 22/2019/TT-NHNN on limits and prudential ratios for banks and foreign bank branches

CIRCULAR

Amending and supplementing Point a Clause 4 Article 20 of Circular No. 22/2019/TT-NHNN prescribing limits and prudential ratios in operations of banks and foreign bank branches

Pursuant to the Law on the State Bank of Vietnam No. 46/2010/QH12;

Pursuant to the Law on Credit Institutions No. 32/2024/QH15, amended and supplemented under Law No. 96/2025/QH15;

Pursuant to the Government’s Decree No. 26/2025/ND-CP defining the functions, tasks, powers and organizational structure of the State Bank of Vietnam;

At the proposal of the Director of the Department of Banking System Safety;

The Governor of the State Bank of Vietnam hereby promulgates the Circular amending and supplementing Point a Clause 4 Article 20 of Circular No. 22/2019/TT-NHNN prescribing limits and prudential ratios in operations of banks and foreign bank branches.

Article 1. Amending and supplementing Point a Clause 4 Article 20 as follows:

“a) Deposits of domestic and overseas institutions (including also deposits of other credit institutions and foreign bank branches), except:

(i) Collateral amounts and special-use capital deposits of clients;

(ii) Demand deposits of the State Treasury;

(iii) 80% of the balance of term deposits of the State Treasury.”.

Article 2. Effect

1. This Circular takes effect from May 15, 2026.

2. To repeal the provision of Clause 1 Article 1 of Circular No. 26/2022/TT-NHNN amending and supplementing a number of articles of Circular No. 22/2019/TT-NHNN prescribing limits and prudential ratios in operations of banks and foreign bank branches.

Article 3. Organization of implementation

Heads of units under the State Bank of Vietnam, banks, foreign bank branches, and relevant organizations and individuals shall implement this Circular./.