Amend the regulations on loan-to-deposit ratio

This is the content prescribed in Circular No. 26/2022/TT-NHNN on 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.

Accordingly, the loan-to-deposit ratio is still in accordance with regulations prescribed in Circular No. 22/2019/TT-NHNN with the adjustment in the total deposit.

In particulars, the total deposit includes:

*Amend the regulations on loan-to-deposit ratio (Illustration)*

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

- Collateral amounts and special-use capital deposits of clients;

- Demand deposits of the State Treasury;

- Time deposits of the State Treasury according to the following schedules:

From the effective date of this Circular to December 31, 2023: 50% of the balance amount of deposit of the State Treasury;
From January 1, 2024 to December 31, 2024: 60% of the balance amount of deposit of the State Treasury;
From January 1, 2025 to December 31, 2025: 80% of the balance amount of deposit of the State Treasury;
From January 1, 2026: 100% of the balance amount of deposit of the State Treasury.

(2) Deposits of individuals, except collateral amounts and special-use capital deposits.

(3) Amounts raised through issuance of promissory notes, bills, deposit certificates and bonds

Circular No. 26/2022/TT-NHNN takes effect on December 31, 2022.