Circular 25/2026/TT-NHNN amend Circular 22/2019/TT-NHNN limits and prudential ratios in operations of banks and foreign bank branches

CIRCULAR

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

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. 96/2024/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 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 1. To amend and supplement Clause 5, Article 16 as follows:

“5. Banks and foreign bank branches shall comply with the maximum ratio of short-term capital sources for provision of medium- and long-term loans of 40%.”.

Article 2. To amend and supplement 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, or another ratio as decided by the Governor of the State Bank of Vietnam from time to time.”.

Article 3. Effect

1. This Circular takes effect from July 01, 2026.

2. This Circular repeals:

a) Circular No. 08/2020/TT-NHNN amending and supplementing a number of articles of Circular No. 22/2019/TT-NHNN dated November 15, 2019, of the Governor of the State Bank of Vietnam, prescribing limits and prudential ratios in operations of banks and foreign bank branches;

b) Circular No. 08/2026/TT-NHNN 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 4. Implementation organization

Heads of units under the State Bank of Vietnam, banks, and foreign bank branches shall organize the implementation of this Circular./.