|
STATE
BANK OF VIETNAM
-------
|
SOCIALIST
REPUBLIC OF VIET NAM
Independence - Freedom – Happiness
---------
|
|
No. 918/NHNN-TTGSNH
Ref: developing commercial banks network in
2010
|
Hanoi,
February 02, 2010
|
To:
- General Manager of the State
Bank branches in provinces, cities
- Chairman of Board of Directors of commercial banks
State Bank (SBV) is now
considering the amendment of regulation on operation network of commercial
banks issued in conjunction with the Decision No.13/2008/QD-NHNN dated
29/4/2008 (the Decision No.13). During the time when this regulation has not
been issued yet, in order to make sure that the expansion of commercial banks
network is performed efficiently and in line with the banks’ administration
capacity and in line with current social economic situation, the Governor of
the State Bank hereby provides guidance on the opening of transaction
departments, branches and transaction offices by commercial banks in the year
of 2010 as follows:
I- For the opening of a transaction department and a branch:
1. Conditions, procedures and
documents for opening a transaction department:
A commercial bank shall be
authorized to open a transaction department if it can fully meet the
conditions, procedures and documents provided for in the Decision No.13.
2. Conditions, procedures and
documents for opening a branch:
...
...
...
Bạn phải
đăng nhập hoặc
đăng ký Thành Viên
TVPL Pro để sử dụng được đầy đủ các tiện ích gia tăng liên quan đến nội dung TCVN.
Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
a- Procedures, documents
In accordance with provisions in
the Decision No.13
b- Conditions:
- The conditions as stipulated
in the Decision No.13
- Operating in a stable manner,
using and mobilizing capital in the inter-bank market in accordance with
provisions in Point 1.2, item c of Directive No.01/CT-NHNN dated 22/5/2009 of
the Governor of State Bank on several measures of ensuring the prudential,
effective business operation of credit institutions.
- The opening of branch does not
disorder the interest rate market in the local area of the province, city where
the commercial bank intends to open the new branch.
- Do not commit any act of
serious violation to current provisions on currency and banking operation.
2.2- With respect to the number
of branches and the areas considered for opening:
a) For the opening of a branch
through upgrading an adjacent transaction office: the State Bank shall consider
the opening of the branch upon the proposal of the commercial bank.
...
...
...
Bạn phải
đăng nhập hoặc
đăng ký Thành Viên
TVPL Pro để sử dụng được đầy đủ các tiện ích gia tăng liên quan đến nội dung TCVN.
Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
(i) In the area of Hanoi or Ho
Chi Minh city:
- For the commercial banks which
have had 02 branches or more in each area of Hanoi or Ho Chi Minh city:
temporarily stop considering the opening of new branch in these areas.
- For the commercial banks which
have not had or have 01 branch only in each area of Hanoi or Ho Chi Minh city:
State Bank shall consider to approve the opening of 02 branches at the maximum
in each of these areas (including the approved branch).
(ii) In other provinces and
cities:
The SBV shall consider the opening
of the new branch upon the proposal of the commercial bank.
(iii) The SBV shall consider
permitting one bank to open 02 branches at the maximum for each time. The SBV
shall consider the further opening of a new branch after the approved branches
have commenced their operation and put into stable operation.
3. Conditions for opening
operation of transaction department and branch:
The commercial bank shall be
entitled to open the operation of its transaction department, branch if it can
meet the following conditions:
- Ensuring the conditions as
stipulated in the Decision No.13 on operation opening;
...
...
...
Bạn phải
đăng nhập hoặc
đăng ký Thành Viên
TVPL Pro để sử dụng được đầy đủ các tiện ích gia tăng liên quan đến nội dung TCVN.
Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
- Availability of enough key
staff (Manager/Deputy Manager, Chief Accountant, Head of operational divisions)
and ensuring the conditions as stipulated at Paragraph 4 Article 21 of Decree
No.59/2009/ND-CP dated on 16/7/2009 of the Government on organization and
operation of commercial banks.
- Availability of a written
commitment on the opening of a new branch that will not disorder the interest
rate market in the local area of the province, city where its branch is to be
opened.
II- For the opening of a transaction office:
The commercial bank shall be
authorized to open a transaction office if it can meet the following
requirements:
1- With regard to procedures and
documents:
1.1. For documents: including
the followings:
(i) A written request, by the
commercial bank, for the opening of transaction office;
(ii) A Resolution of the Board
of Directors on opening transaction office;
(iii) Plan of opening
transaction office.
...
...
...
Bạn phải
đăng nhập hoặc
đăng ký Thành Viên
TVPL Pro để sử dụng được đầy đủ các tiện ích gia tăng liên quan đến nội dung TCVN.
Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
The commercial bank shall
prepare documents in accordance with provisions at Point 1.1 mentioned above
and submit them to the State Bank branches in provinces, cities where it plans
to open the transaction office for consideration and approval.
2- With regard to conditions for
opening a transaction office:
The commercial bank shall be
entitled to open a transaction office if it meets the following conditions:
a- For commercial banks:
The commercial bank’s operation
in the year adjacent to the year applying for the opening of the transaction
office must generate profit, it must ensure prudential ratios in the banking
activity; it has performed the debt classification and made full provisions for
risk in accordance with the regulation at the time of applying for the
transaction office opening.
b- For the transaction
department, commercial bank’s branch which plan to open a transaction office:
(i) Must have been operating for
at least 01 year; its business generates profit and does not commit any serious
act of violation to applicable provisions on currency and banking activity in
the previous year adjacent to the year applying for the transaction office
opening;
(ii) Rate of non-performing loan
(NPL) is lower than 3% of total loans outstanding at the time of applying for
the transaction office opening;
(iii) Director of the
transaction department, branch manager must meet the conditions and standards
in accordance with provision at Paragraph 4 Article 21 of Decree
No.59/2009/ND-CP dated 16/7/2009 of Government on organization and operation of
commercial banks; The transaction department and branch have enough key staff
(including manager, deputy manager, chief accountant at the minimum).
...
...
...
Bạn phải
đăng nhập hoặc
đăng ký Thành Viên
TVPL Pro để sử dụng được đầy đủ các tiện ích gia tăng liên quan đến nội dung TCVN.
Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
(v) Availability of a plan of
opening the transaction office which clearly state necessity, operation
contents, location, proposed key staff of the transaction office.
3- With regard to authority of
consideration:
SBV branch in the place where
the commercial bank intends to open a transaction office shall be responsible
for:
- providing a written approval
for opening a transaction office upon request of the commercial bank pursuant
to the conditions and documents specified at point II.1 and II.2 above. In case
of disapproval, a document clearly stating the reasons thereof is required.
- checking whether commercial
banks ensure the conditions before the operation opening by the transaction
office in accordance with provisions in point II.5 herein.
4- With regard to the number of
transaction offices considered opening:
The SBV shall consider
permitting one transaction department or branch of commercial bank to open 02
transaction offices at the maximum for each time. The SBV shall consider the
further opening of a transaction office after the approved transaction offices
have commenced their operation and put into stable operation
5- With regard to conditions of
opening operation of a transaction office:
The commercial bank can open
operation its transaction office if it can meet the following conditions:
...
...
...
Bạn phải
đăng nhập hoặc
đăng ký Thành Viên
TVPL Pro để sử dụng được đầy đủ các tiện ích gia tăng liên quan đến nội dung TCVN.
Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
- Having enough material
facilities which can meet the operation requirements: headquarter, management
information system, means of money transport in accordance with applicable
provisions of the State Bank
- Availability of written evidence
for the legal ownership and legal use right of the office which is expected to
be the transaction office;
- Ensuring that the title of
Head of Transaction office can fully meet the conditions in accordance with
provisions of Paragraph 4 Article 21 of Decree No.59/2009/ND-CP dated 16/7/2009
of Government on organization and operation of commercial banks.
- Availability of a written
commitment on the opening of a new branch that will not disorder the interest
rate market in the local area of the province, city where its transaction
office is to be opened.
Authorized by the SBV’s
governor, banking inspection, supervision agency would like to inform for the
knowledge and implementation by the State Bank branches in provinces and cities
and commercial banks
AUTHORIZED
BY THE GOVERNOR OF THE STATE BANK
CHIEF OF BANKING INSPECTION, SUPERVISION AGENCY
Duong Quoc Anh