STATE BANK OF VIETNAM
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SOCIALIST REPUBLIC OF VIETNAM
Independence - Freedom - Happiness
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No. 08/2025/TT-NHNN
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Hanoi, June 6, 2025
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CIRCULAR
AMENDMENTS TO CIRCULAR NO. 43/2015/TT-NHNN DATED DECEMBER 31,
2015 OF THE GOVERNOR OF THE STATE BANK OF VIETNAM ON THE ORGANIZATION AND
OPERATION OF POSTAL TRANSACTION OFFICES AFFILIATED WITH LIEN VIET POST JOINT
STOCK COMMERCIAL BANK, CIRCULAR NO. 29/2024/TT-NHNN DATED JUNE 28, 2024 OF THE
GOVERNOR OF THE STATE BANK OF VIETNAM ON PEOPLE’S CREDIT FUNDS, AND CIRCULAR
NO. 32/2024/TT-NHNN DATED JUNE 30, 2024 OF THE GOVERNOR OF THE STATE BANK OF
VIETNAM ON THE OPERATIONAL NETWORK OF COMMERCIAL BANKS
Pursuant to the Law on
the State Bank of Vietnam dated June 16, 2010;
Pursuant to the Law on
Credit Institutions dated January 18, 2024;
Pursuant to the Law on
Cooperatives dated June 20, 2023;
Pursuant to Decree No.
26/2025/ND-CP dated February 24, 2025 of the Government of Vietnam on
functions, tasks, entitlements, and organizational structure of the State Bank
of Vietnam;
At the request of the
Director of the Department of Credit Institution System Safety;
The Governor of the
State Bank of Vietnam hereby promulgates the Circular on amendments to Circular
No. 43/2015/TT-NHNN dated December 31, 2015 of the Governor of the State Bank
of Vietnam on the organization and operation of postal transaction offices
affiliated with Lien Viet Post Joint Stock Commercial Bank, Circular No.
29/2024/TT-NHNN dated June 28, 2024 of the Governor of the State Bank of
Vietnam on people’s credit funds, and Circular No. 32/2024/TT-NHNN dated June
30, 2024 of the Governor of the State Bank of Vietnam on the operational
network of commercial banks.
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1. Amendments to certain
Articles of Circular No. 43/2015/TT-NHNN
a) Amendments to Article
1:
“Article 1. Scope
This Circular provides
for the organization and operation of postal transaction offices affiliated
with Fortune Vietnam Joint Stock Commercial Bank (hereinafter referred to as
“LPBank”).”;
b) Amendments to Clause 7
Article 3:
“7. SBV branches refer to
branches of SBV in specific areas.”;
c) Amendments to Article
4:
“Article 4. Authority
of Directors of SBV branches
The Director of an SBV
branch where postal transaction offices are headquartered has the authority to:
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2. Confirm the
operational eligibility at the new location regarding a postal transaction
office being relocated in the area.
3. Apply compulsory
termination of the operation of a postal transaction office in the area.”;
d) Amendments to Clause 3
Article 6:
“3. Applications of
LPBank shall be sent to the SBV branch where postal transaction offices are
headquartered as follows:
a) Online through the
National Public Service Portal or the Public Service Portal of SBV (if any); or
b) In person at the
Single-window Department of the SBV branch; or
c) By post.”;
dd) Clauses 4 and 5 are
added to Article 6:
“4. When submitting the
applications online through the National Public Service Portal or the Public
Service Portal of SBV (if any), the electronic applications may bear digital
signatures according to the law on the online implementation of administrative
procedures.
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5. Documents in the
electronic applications shall be electronic scans from the original copies (in
PDF format).”;
e) Amendments to Clause 5
Article 8:
“5. If transaction
offices do not have cash vaults according to the regulations of SBV:
a) In case the postal
transaction offices are located within the same commune-level administrative
division or in an adjacent commune-level administrative division where LPBank
has a cash vault that meets the standards stipulated by current regulations,
LPBank shall assume the responsibility for transporting cash from the postal
transaction offices without cash vaults to the standard-compliant cash vault
after the end of trading hours of each working day;
b) In case the postal
transaction offices are located within the same commune-level administrative
division or in an adjacent commune-level administrative division, but LPBank
does not have a cash vault that meets the standards stipulated by current
regulations, LPBank shall assume the responsibility for transporting cash from
the postal transaction offices without cash vaults (after deducting the
end-of-day cash holding limit) to a standard-compliant cash vault after the end
of trading hours of each working day. LPBank shall assume the responsibility
for developing regulations on the end-of-day cash holding limits and
implementing measures to ensure the safety of the remaining cash at postal
transaction offices and submit reports to the SBV branches where postal
transaction offices are headquartered for supervision.”.
2. Replacement and
removal of specific words and phrases in Circular No. 43/2015/TT-NHNN
a) “Ngân hàng Nhà nước (qua
Cục Thanh tra, giám sát ngân hàng, Ngân hàng Nhà nước chi nhánh nơi đặt trụ sở
phòng giao dịch bưu điện)” (SBV (through the Banking Supervision Agency and SBV
branches where postal transaction offices are headquartered)) is replaced with
“Ngân hàng Nhà nước chi nhánh nơi đặt trụ sở phòng giao dịch bưu điện” (SBV
branches where postal transaction offices are headquartered) in Clauses 2 and 4
Article 17;
b) “thoái vốn xuống”
(divest to less than 5%) is replaced with “sở hữu” (own less than 5%) in Clause
3 Article 7, Clauses 6 and 7c Article 17, and Appendix No. 03;
c) “Cơ quan Thanh tra,
giám sát ngân hàng” (Banking Inspection and Supervision Agency) is replaced
with “Cục Quản lý, giám sát tổ chức tín dụng” (Department of Credit Institution
Management and Supervision) in the title of Article 18, Clause 2 Article 19,
Point 4 Appendix No. 01, and Point 4 Appendix No. 02;
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dd) “Ngân hàng thương mại
cổ phần Bưu điện Liên Việt” (Lien Viet Post Joint Stock Commercial Bank )
is replaced with “LPBank” in Article 2, Clauses 1, 2, 3, 4, and 5 Article 3,
Article 5, Clauses 1 and 2 Article 6, Clause 1, Point e Clause 2, Clause 3, and
Point b Clause 4 Article 7, Points a and b Clause 1, Clause 3 Article 8,
Article 10, Article 11, Clause 2 Article 12, Clause 1 Article 13, Points a and
b Clause 1, Point a Clause 2, and Clause 3 Article 14, Point b Clause 1,
Clauses 2, 3, and 4 Article 15, Article 16, title of Article 17, Clauses 2, 6,
7b, 7c, 7e, 7g, and 7h Article 17, Clause 3 Article 18, title of Article 19,
Clause 3 Article 19, Article 20, Article 22, Appendix No. 01, Appendix No. 02,
and Appendix No. 03;
e) “Ngân hàng thương mại
cổ phần Bưu điện Liên Việt” (Lien Viet Post Joint Stock Commercial Bank) is
replaced with “Ngân hàng Thương mại cổ phần Lộc Phát Việt Nam” (Fortune Vietnam
Joint Stock Commercial Bank) in the title of the Circular;
g) “Chánh Văn phòng,
Chánh Thanh tra, giám sát ngân hàng,” (Chief of Office, Chief Inspector of the
Banking Inspection and Supervision Agency) , “các tỉnh, thành phố trực thuộc
Trung ương” (provinces and centrally affiliated cities), “Chủ tịch Hội đồng quản
trị, Tổng giám đốc (Giám đốc)” (President of the Board of Directors, General
Director (Director)) are removed from Article 22.
Article
2. Amendments to Circular No. 29/2024/TT-NHNN dated June 28, 2024 of the
Governor of SBV on people’s credit funds
1. Amendments to certain
Articles of Circular No. 29/2024/TT-NHNN
a) Amendments to Clauses
5, 6, 7, and 8 Article 32:
“5. From July 1, 2024,
any people’s credit fund that operates within an inter-commune area, comprising
communes adjacent to the commune where it is headquarters within the same
province or centrally affiliated city, but fails to satisfy all of the
conditions set out in Points a, b, c and dd Clause 1 of this Article must
develop a remedial plan to ensure its satisfaction of such conditions. Such
remedial plan shall be developed according to the following provisions:
a) Within 60 days from
July 1, 2024 or from the day on which the people’s credit fund is found to have
failed to satisfy all conditions for operating within an inter-commune area, it
shall send a remedial plan to the SBV branch. Such remedial plan shall include
the following contents:
(i) Actual status
of its inter-commune area of operation;
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(iii) Remedial plan or
measures to be implemented in each quarter and commitment to satisfy all
conditions within 12 months from July 1, 2024 or from the day on which
the people’s credit fund is found to have failed to satisfy such conditions.
b) Within 20 days from
its receipt of the remedial plan from the people’s credit fund as prescribed in
Point a of this Clause, the SBV branch shall request the people’s credit fund
in writing to modify its plan if the plan is unsatisfactory. Within 30 days
from its receipt of a written request for modification from the SBV branch, the
people’s credit fund shall complete and send its remedial plan to the SBV branch.
Within 20 days from its receipt of a satisfactory remedial plan (including
modifications), the SBV branch shall give its written approval for the remedial
plan to the people’s credit fund.
By the 10th day of the
first month of the following quarter, the people’s credit fund shall send a
quarterly report on its implementation of the plan approved by the SBV branch
in person or by post to the SBV branch.
6. The people’s credit
fund that fails to satisfy all of the conditions for operating within an inter-commune
area, comprising communes adjacent to the commune where it is headquartered
within the same province or centrally affiliated city, set out in Points a, b,
c, and dd Clause 1 of this Article within the time limit prescribed in Point
a(iii) Clause 5 of this Article must develop a plan for termination of its
operations in adjacent communes as follows:
a) Within 60 days from
the end of the time limit prescribed in Point a(iii) Clause 5 of this Article,
the people’s credit fund shall submit a plan for termination of operations to
the SBV branch. Such plan shall include the following contents:
(i) Actual status
of its inter-commune area of operation;
(ii) Level of its
satisfaction of each of the conditions for operating within an inter-commune
area as specified in Clause 1 of this Article;
(iii) Specific plan or
measures to be implemented in each quarter and commitment to terminate its
operations in adjacent communes and move all of its operations to the commune
where it is headquartered within 24 months from the end of the time limit
prescribed in Point a(iii) Clause 5 of this Article;
b) Within 20 days from
its receipt of the remedial plan from the people’s credit fund as prescribed in
Point a of this Clause, the SBV branch shall request the people’s credit fund
in writing to modify its plan if the plan is unsatisfactory. Within 30 days
from its receipt of a written request for modification from the SBV branch, the
people’s credit fund shall complete and send its remedial plan to the SBV
branch. Within 20 days from its receipt of a satisfactory remedial plan
(including modifications), the SBV branch shall give its written approval for
the remedial plan to the people’s credit fund.
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c) During the
implementation of its plan for termination of operations, the people’s credit
fund shall not be allowed to admit new members and grant new loans in such
communes where its operations will be terminated.
7. From July 1, 2024, any
people’s credit fund that operates in communes that are not adjacent to the
commune where it is headquartered or that operates in adjacent communes which
are not located within the same province or centrally affiliated city with the
people’s credit fund as a result of full or partial division of administrative
boundaries shall develop a plan for termination of its operations in such
communes according to the following regulations:
a) Within 60 days from
the effective date of the document on changes in administrative boundaries
issued by a competent authority or from the date of completion of full
divestment of state capital at the people’s credit fund, the people’s credit
fund shall submit a plan for termination of operations to the SBV branch. Such
plan shall include the following contents:
(i) Actual status of the
people’s credit fund’s inter-commune area of operation;
(ii) Specific plan or
measures to be implemented in each quarter, including re-organization of the
people’s credit fund in the form of split-off or split-up and commitment to
terminate its operations in such communes within 36 months from the effective
date of the document on changes in administrative boundaries issued by a
competent authority or from the date of completion of full divestment of state
capital at the people’s credit fund;
b) Within 20 days from
its receipt of the remedial plan from the people’s credit fund as prescribed in
Point a of this Clause, the SBV branch shall request the people’s credit fund
in writing to modify its plan if the plan is unsatisfactory. Within 30 days
from its receipt of a written request for modification from the SBV branch, the
people’s credit fund shall complete and send its remedial plan to the SBV
branch. Within 20 days from its receipt of a satisfactory remedial plan
(including modifications), the SBV branch shall give its written approval for
the remedial plan to the people’s credit fund.
By the 10th day of the
first month of the following quarter, the people’s credit fund shall send a
quarterly report on its implementation of the plan approved by the SBV branch
in person or by post to the SBV branch;
c) During the implementation
of its plan for termination of operations, the people’s credit fund shall not
be allowed to admit new members and grant new loans in such communes where its
operations will be terminated.
8. Within 5 working days
from the completion of the approved plan as prescribed in Clauses 6 and 7 of
this Article, the people’s credit fund shall submit a report on the plan
implementation results and a written request for modification of its license
regarding changes in its area of operation to the SBV branch.
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b) Clause 10 is added to
Article 32:
“10. The submission of
remedial plans according to Clauses 5, 6, and 7 of this Article; submission of
reports on the completion of remedial plans and written requests for license
modification regarding areas of operations according to Clause 8 of this Article
shall be carried out as follows:
a) Online through the
National Public Service Portal or the Public Service Portal of SBV (if any); or
b) In person at the
Single-window Department of the SBV branch; or
c) By post.
When submitting the
applications online through the National Public Service Portal or the Public
Service Portal of SBV (if any), the electronic applications may bear digital
signatures according to the law on the online implementation of administrative
procedures. Where the National Public Service Portal or the Public
Service Portal of SBV encounters a malfunction or error that prevents the
reception or exchange of electronic information, the declaration, submission,
receipt, return of results, exchange, and response of information shall be
carried out by post or in person at the Single-window Department of the SBV
branch. Documents in the electronic applications shall be electronic scans from
the original copies (in PDF format).”.
2. Replacement and
removal of specific words and phrases in Circular No. 29/2024/TT-NHNN
a) “một xã, một phường, một
thị trấn (sau đây gọi chung là xã)” (a rural commune, ward, or commune-level
town (hereinafter referred to as “commune”)) is replaced with “một đơn vị hành
chính cấp xã (sau đây gọi là xã)” (a commune-level administrative division
(hereinafter referred to as “commune”)) in Clause 1 Article 7;
b) “Ngân hàng Nhà nước
chi nhánh tỉnh, thành phố trực thuộc Trung ương” (SBV’s branches of provinces
or centrally affiliated cities) with “Ngân hàng Nhà nước chi nhánh tại các Khu
vực” (regional SBV branches) in Clause 5 Article 12 and Point b Clause 1 and
Clause 2 Article 34;
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d) “Ủy ban nhân dân cấp
huyện” (district-level People’s Committees) is replaced with “Ủy ban nhân dân cấp
có thẩm quyền” (competent People’s Committees) in Clause 4 Article 26;
dd) The following phrases
are removed:
(i) “Ủy ban nhân dân cấp
huyện và” (district-level People’s Committees and) in Point c Clause 4 Article
32;
(ii) “Chánh Văn phòng,
Chánh Thanh tra, giám sát ngân hàng,” (Chief of Office, Chief Inspector of the
Banking Inspection and Supervision Agency) in Article 36.
Article
3. Amendments to Circular No. 32/2024/TT-NHNN dated June 30, 2024 of the
Governor of SBV on the operational network of commercial banks
1. Amendments to certain
Articles of Circular No. 32/2024/TT-NHNN
a) Amendments to Clause 3
Article 1:
“3. The operational
network of Fortune Vietnam Joint Stock Commercial Bank shall comply with this
Circular and the regulations of SBV on postal transaction offices affiliated
with Fortune Vietnam Joint Stock Commercial Bank.”;
b) Amendments to Clauses
9 and 11 Article 3:
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“11. Rural areas are
administrative boundary areas, excluding areas of wards.”;
c) Amendments to Point a
Clause 3 Article 5:
“a) Online submission
through the National Public Service Portal or the Public Service Portal of SBV
(if any);”;
d) Amendments to Clause 4
Article 5:
“4. When submitting the
application online through the National Public Service Portal or the Public
Service Portal of SBV (if any), the electronic application may bear digital
signatures according to the law on the online administrative procedures.
Where the National Public Service Portal or the Public Service Portal of
SBV encounters a malfunction or error that prevents the reception or exchange
of electronic information, the declaration, submission, receipt, return of
results, exchange, and response of information shall be carried out by post or
in person at the Single-window Department of SBV or the SBV branch.”;
dd) Amendments to Point b
Clause 3 Article 14:
“b) The SBV branch where
the commercial bank intended to establish domestic branches and transaction
offices regarding feedback on the necessity of additional branches and
transaction offices in the province where the commercial bank requests the
establishment of branches and transaction offices; feedback on areas with
expected new branches and transaction offices; and compliance with conditions
prescribed in this Circular regarding expected supervisory branches of
transaction offices in its areas (in case of requesting the establishment of
transaction offices).”
e) Article 37a is added
after Article 37:
“Article 37a.
Responsibilities of SBV Inspectorate
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2. Replacement and
removal of specific words and phrases in Circular No. 32/2024/TT-NHNN
a) “Chánh Thanh tra, giám
sát ngân hàng” (Chief Inspector of the Banking Inspection and Supervision
Agency) is replaced with “Cục trưởng Cục Quản lý, giám sát tổ chức tín dụng”
(Director of the Department of Credit Institution Management and Supervision)
in Clause 2 Article 4, Clause 2 Article 30, and Clause 3 Article 37;
b) “Ngân hàng Nhà nước
chi nhánh tỉnh, thành phố trực thuộc Trung ương” (SBV’s branches of provinces
or centrally affiliated cities) with “Ngân hàng Nhà nước chi nhánh tại các Khu
vực” (regional SBV branches) in Clause 3 Article 4 and Clause 2 Article 5;
c) “Cơ quan Thanh tra,
giám sát ngân hàng” (Banking Inspection and Supervision Agency) is replaced
with “Cục Quản lý, giám sát tổ chức tín dụng” (Department of Credit Institution
Management and Supervision) in Clauses 3 and 4 Article 14, Clause 2 Article 16,
Clause 1 Article 18, Clause 2 Article 20, Clauses 4 and 5 Article 29, Clauses 6
and 7 Article 30, Clause 2 Article 31, title of Article 37, Article 38, and
Appendix No. 02;
d) “Vụ Truyền thông”
(Communication Department) is replaced with “Thời báo Ngân hàng” (Banking
Times) in Clause 5 Article 23;
dd) “4. Ngân hàng Nhà nước
chi nhánh nơi ngân hàng thương mại dự kiến đặt trụ sở chi nhánh, phòng giao dịch
quy định tại khoản 5 Điều 19 Thông tư này thông báo bằng văn bản cho Ngân hàng
Nhà nước chi nhánh hiện đang đặt trụ sở chi nhánh, phòng giao dịch” (4.
SBV branches where concerned branches and transaction offices are expected to
be located according to Clause 5 Article 19 of this Circular shall submit
written notices to the current SBV branches of such branches and transaction
offices) is replaced with “5. Ngân hàng Nhà nước chi nhánh nơi ngân hàng thương
mại dự kiến đặt trụ sở chi nhánh, phòng giao dịch quy định tại khoản 5 Điều 19
Thông tư này thông báo bằng văn bản cho Ngân hàng Nhà nước chi nhánh hiện đang
đặt trụ sở chi nhánh, phòng giao dịch” (5. SBV branches where concerned
branches and transaction offices are expected to be located according to Clause
5 Article 19 of this Circular shall submit written notices to the current SBV
branches of such branches and transaction offices) in Article 36;
e) “xã/phường/thị trấn,
quận/huyện/thị xã/thành phố thuộc tỉnh/thành phố thuộc thành phố trực thuộc
Trung ương, Tỉnh/thành phố trực thuộc Trung ương” (commune/ward/commune-level
town, district/rural district/district-level town/district-level city, province/centrally
affiliated city) is replaced with “tên đơn vị hành chính cấp xã, Tỉnh/thành phố
trực thuộc Trung ương” (name of the administrative division of the commune,
province/centrally affiliated city) in Points 1.1 and 1.2 Section 1 Part I
Appendix No. 01;
g) “(bao gồm cả văn bản dạng điện tử)”
(including e-documents) is removed from Point b Clause 4 Article 19, Point b
Clause 3 Article 22, and Point b Clause 2 and Point b Clause 3 Article 29;
h) “Chánh Văn phòng,
Chánh Thanh tra, giám sát ngân hàng,” (Chief of Office, Chief Inspector of the
Banking Inspection and Supervision Agency) is removed from Article 41;
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Article
4. Implementation responsibilities
Directors of units of
SBV, commercial banks, cooperative banks, people’s credit funds, and relevant
organizations and individuals shall implement this Circular.
Article
5. Implementation provisions
1. This Circular comes
into force as of July 1, 2025.
2. Transitional
provisions:
a) Commercial banks are
not required to adjust the number of branches and transaction offices
established before the effective date of this Circular. In case of establishing
new network units, comply with Circular No. 32/2024/TT-NHNN dated June 30, 2024
of the Governor of SBV and this Circular (excluding Point b Clause 2 of this
Article);
b) Commercial banks with
written requests for approval of eligibility for establishing domestic
branches, transaction offices, representative offices, and public service
providers sent to SBV and written opinions from the People’s Committees of
provinces/centrally affiliated cities and SBV branches according to Points a
and b Clause 3 Article 14 of Circular No. 32/2024/TT-NHNN before the effective
date of this Circular shall be exempted from soliciting opinions from SBV
branches again according to Point dd Clause 1 Article 3 of this Circular and
People’s Committees of provinces/centrally affiliated cities.
3. This Circular annuls
Clause 1, Point a Clause 5 Article 1 of Circular No. 27/2022/TT-NHNN dated
December 31, 2022 of the Governor of SBV.
4. This Circular annuls
Clauses 1 and 2 Article 1 of Circular No. 11/2023/TT-NHNN dated August 31, 2023
of the Governor of SBV./.
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PP. GOVERNOR
DEPUTY GOVERNOR
Doan Thai Son