Circular 52/2025/TT-NHNN amend Circular 39/2016/TT-NHNN provision of loans by credit institutions and foreign bank branches to clients

CIRCULAR

Amending and supplementing a number of articles of Circular No. 39/2016/TT-NHNN of December 30, 2016, of the Governor of the State Bank of Vietnam, on the provision of loans by credit institutions and foreign bank branches to clients^[1]

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

Pursuant to Law No. 32/2024/QH15 on Credit Institutions;

Pursuant to the Government’s Decree No. 26/2025/ND-CP of February 24, 2025, defining the functions, tasks, powers and organizational structure of the State Bank of Vietnam;

At the proposal of the Director of the Monetary Policy Department;

The Governor of the State Bank of Vietnam promulgates the Circular amending and supplementing a number of articles of Circular No. 39/2016/TT-NHNN of December 30, 2016, of the Governor of the State Bank of Vietnam, on the provision of loans by credit institutions and foreign bank branches to clients.

Article 1. To amend and supplement Clause 3, Article 22 as follows:

“3. Within 10 (ten) working days after issuing or amending and supplementing internal regulations on loan provision, a credit institution subject to micro-prudential inspection and supervision by the State Bank’s regional branch shall send such internal regulations to that regional branch; other credit institutions shall send their internal regulations to the State Bank of Vietnam (through the Department of Credit Institution Management and Supervision).”.

Article 2. To amend and supplement Clause 2, Article 35 as follows:

“2. Heads of units under the State Bank of Vietnam, credit institutions and foreign bank branches shall organise the implementation of this Circular.”.

Article 3. Responsibility for organisation of implementation

Heads of units under the State Bank of Vietnam, credit institutions and foreign bank branches shall organise the implementation of this Circular.

Article 4. Implementation provision

This Circular takes effect on December 25, 2025.-

For the Governor of the State Bank of Vietnam
Deputy Governor
PHAM THANH HA