According to the Circular, loan-to-deposit ratios are still calculated according to current regulations prescribed in Circular No. 22/2019/TT-NHNN, but there are adjustments to the total deposit.
Specifically, deposits of domestic and foreign organizations (including deposits of other credit institutions and foreign bank branches), excluding the following amounts:
- Escrows and dedicated capital deposits of clients;
- Demand deposits of the State Treasury;
- Time deposits of the State Treasury according to the following roadmap:
+ From January 1, 2020 to December 31, 2023: 50% of the balance of deposits of the State Treasury;
+ From January 1, 2024 to December 31, 2024: 60% of the balance of deposits of the State Treasury;
+ From January 1, 2025 to December 31, 2025: 80% of the balance of deposits of the State Treasury;
+ From January 1, 2026: 100% of the balance of deposits of State Treasury.
(Previously, according to Circular No. 22/2019/TT-NHNN, the excluded amounts include:
- Deposits of the State Treasury;
- Escrows and dedicated capital deposits of clients.)
See more details in Circular No. 26/2022/TT-NHNN, which comes into force as of December 31, 2022.
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Above are the summary and notification of new documents for customers of THU VIEN PHAP LUAT. For more information, please send an email to info@thuvienphapluat.vn.
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