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THE STATE BANK
OF VIET NAM
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THE SOCIALIST REPUBLIC OF VIET NAM
Independence - Freedom - Happiness
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No. 55/2026/TT-NHNN
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Hanoi, October 12, 2026
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CIRCULAR
PROVIDING AMENDMENTS TO CIRCULAR NO. 18/2025/TT-NHNN
PRESCRIBING COLLECTION, USE AND SHARING OF INFORMATION AND REPORTS ON
INFORMATION SYSTEM SERVING SUPERVISION OF OPERATIONS OF PEOPLE’S CREDIT FUNDS
AND MICROFINANCE INSTITUTIONS
Pursuant to the Law on
the State Bank of Viet Nam No. 46/2010/QH12;
Pursuant to the Law on
Credit Institutions No. 32/2024/QH15, as amended by the Law No. 96/2025/QH15;
Pursuant to the
Government's Decree No. 26/2025/ND-CP defining functions, tasks, powers and
organizational structure of the State Bank of Viet Nam (SBV), as amended by the
Decree No. 198/2026/ND-CP;
At the request of the
Director General of the Department of System Safety Supervision of Credit
Institutions;
The Governor of the
State Bank of Viet Nam hereby promulgates a Circular providing amendments to
Circular No. 18/2025/TT-NHNN prescribing collection, use and sharing of
information and reports on information system serving supervision of operations
of people’s credit funds and microfinance institutions.
Article 1. Amendments
to some clauses of Article 8
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“2. For Deposit Insurance
of Viet Nam and Cooperative Bank of Viet Nam:
a) Sharing of information
and reports to Deposit Insurance of Viet Nam and Cooperative Bank of Viet Nam
shall be carried out through interconnection between information systems in
accordance with the guidelines issued by the Information Technology Department;
b) Scope of information
and reports to be shared:
(i) The Deposit Insurance
of Viet Nam shall be provided with information and reports in accordance with
regulations of law on information sharing between the SBV and the Deposit
Insurance of Viet Nam;
(ii) The Cooperative Bank
of Viet Nam shall be provided with information and reports for the performance
of its statutory tasks relating to the system of people’s credit funds, in
accordance with regulations of law, including:
- Information and reports
provided by people’s credit funds as prescribed in clause 1 Article 3 of this
Circular;
- Information and reports
provided by SBV’s Regional Branches concerning inspection conclusions and
examination conclusions relating to people’s credit funds as prescribed in
clause 2 Article 3 of this Circular, and outputs relating to the implementation
of recommendations and the taking of remedial measures following inspections
and examinations;
- Output generated on the
basis of information and reports provided by people’s credit funds.
(iii) In addition to the
information and reports specified in point b(ii) of this clause, where the
Cooperative Bank of Viet Nam requires access to other information and reports,
it shall submit a written request to the Department of System Safety
Supervision of Credit Institutions for consolidation and submission to the
SBV's Governor for approval;
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d) Where shared
information and reports contain personal data as defined by law, entities
receiving such information and reports shall comply with provisions of clause 2
Article 19 of the Law on Personal Data Protection and relevant laws.”.
2. Clause 4 is added as follows:
“4. Access to information
relating to deposits:
a) A depositor at a
people's credit fund shall be entitled to access information relating to that
depositor’s own deposits on the basis of information and reports contained on
the Supervisory Information System and shall maintain the confidentiality of
personal data and information accessed in accordance with regulations of law;
b) Where the results of an
information search do not match the actual information, the depositor shall
provide the relevant information to the SBV’s Regional Branch;
c) Information provided by
the depositor that does not match the information obtained from the search
shall serve as a basis for the SBV’s Regional Branch to verify and handle the
case in accordance with regulations of law;
d) The SBV’s Governor
shall issue Guidelines for deposits-related information search under points a,
b and c of this clause, which shall cover, at a minimum, the following matters:
(i) Instructions for
depositors to search for information relating to their deposits;
(ii) Instructions for
depositors to provide the SBV’s Regional Branches with information on
discrepancies identified in the search results;
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(iv) Time limits for
receiving and verifying such information, handling the case and notifying the
depositor of the results;
(v) The commencement date
for implementation of the Guidelines.”.
Article 2. Addition of
clauses 11, 12 and 13 to Article 10
“11. Act as a focal point,
in coordination with the Department of System Safety Supervision of Credit
Institutions, in charge of in assessing the impact on the design of the
Supervisory Information System and surveying people's credit funds regarding
the time required to upgrade their information systems to meet connectivity
requirements for the provision of information and reports whenever the List of
information and reports to be provided to the Supervisory Information System is
amended or replaced.
12. Act as the focal
point, in coordination with the Department of System Safety Supervision of
Credit Institutions and relevant units, in charge of implementing Clause 4
Article 8 of this Circular, including:
a) Conduct research,
develop technical solutions and organize the implementation of the
functionality for depositors at people's credit funds to search for information
relating to their deposits;
b) Submit to the SBV’s
Governor for promulgation the Guidelines for deposits-related information
search;
c) Develop and implement
technical solutions for storing, processing, aggregating and retrieving the
results of deposit-related information searches conducted by depositors at
people's credit funds.
13. Apply appropriate
technical measures to ensure the security of personal data during the storage,
transmission and sharing of data in accordance with regulations of law on
personal data protection and cyberinformation security and the SBV’s
regulations, where the Supervisory Information System shares information and
reports containing personal data with the Deposit Insurance of Viet Nam and the
Cooperative Bank of Viet Nam.”.
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1. Clause 2 is amended as follows:
“2. Act as the focal point
in charge of receiving documents from the units specified in clause 1 Article
12, clause 1 Article 13, clause 1 Article 14, clause 4 Article 16, and
coordinate with the Information Technology Department to assess the necessity and
submit a proposal to the SBV's Governor for consideration.".
2. Clause 5 is amended as follows:
“5. Act as the focal point
in charge of receiving requests for access to and sharing of information and
reports as prescribed in point c clause 1, point b(iii) clause 2 Article 8 of
this Circular, submit them to SBV's Governor for approval, and then send
notification thereof to relevant units.”.
3. Clauses 9 and 10 are added as follows:
“9. Coordinate with the
Information Technology Department to implement the provisions of clause 11,
clause 12 Article 10 of this Circular.
10. On a monthly basis,
based on the consolidated results of information searches by depositors as
prescribed in clause 4 Article 8 of this Circular, coordinate with the
Information Technology Department to prepare and submit a consolidated report
on such results to the SBV’s Governor.”.
Article 4. Amendments
to clause 1 Article 12
“1. Propose to the SBV’s
Governor (via the Department of System Safety Supervision of Credit
Institutions) modifications or additions to, or the repeal of the information
and reports specified in Article 3 of this Circular, as well as changes to the
checking formulas, outputs, and methods for calculating information and reports
of the Supervisory Information System. The official document submitted to the
Department of System Safety Supervision of Credit Institutions must clearly
state the necessity for, and provide details of, the proposals to be submitted
to the SBV’s Governor.”.
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“1. Propose to the SBV’s
Governor (via the Department of System Safety Supervision of Credit
Institutions) modifications or additions to, or the repeal of the information
and reports specified in Article 3 of this Circular, as well as changes to the
checking formulas, outputs, and methods for calculating information and reports
of the Supervisory Information System. The official document submitted to the
Department of System Safety Supervision of Credit Institutions must clearly
state the necessity for, and provide details of, the proposals to be submitted
to the SBV’s Governor.”.
Article 6. Amendments
to some clauses of Article 14
1. Clause 1 is amended as follows:
“1. Propose to the SBV’s
Governor (via the Department of System Safety Supervision of Credit
Institutions) modifications or additions to, or the repeal of the information
and reports specified in Article 3 of this Circular, as well as changes to the
checking formulas, outputs, and methods for calculating information and reports
of the Supervisory Information System. The official document submitted to the
Department of System Safety Supervision of Credit Institutions must clearly
state the necessity for, and provide details of, the proposals to be submitted
to the SBV’s Governor.”.
2. Clauses 5 and 6 are added as follows:
“5. Request people’s
credit funds to notify depositors and make the information publicly available
at their head offices and transaction offices, and on their websites (if any);
and coordinate with the relevant Commune-level People’s Committee to
disseminate information and raise public awareness through the local media in
the commune where the people's credit fund operates regarding the ability of
depositors to search for information relating to their deposits in accordance with
the SBV’s guidelines.
6. Request people’s credit
funds to provide information for the purpose of implementing the provisions of
point d(iii) clause 4 Article 8 of this Circular.”.
Article 7. Addition of
clause 4 to Article 16
“4. Deposit Insurance of Viet
Nam and Cooperative Bank of Viet Nam shall propose to the SBV’s Governor (via
the Department of System Safety Supervision of Credit Institutions)
modifications or additions to, or the repeal of the information and reports
specified in Article 3 of this Circular, as well as changes to the checking
formulas, outputs, and methods for calculating information and reports of the
Supervisory Information System. The official document submitted to the
Department of System Safety Supervision of Credit Institutions must clearly
state the necessity for, and provide details of, the proposals to be submitted
to the SBV’s Governor.”.
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This Circular comes into
force from November 26, 2026.
Article 9.
Responsibility for implementation
Heads of SBV’s affiliated
units, Deposit Insurance of Viet Nam, Cooperative Bank of Viet Nam, people’s
credit funds, and microfinance institutions are responsible for the
implementation of this Circular./.
PP. GOVERNOR
DEPUTY GOVERNOR
Pham Tien Dung