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banking

Banking on it as AI pays digital dividends

Banking on it as AI pays digital dividends

The explosion of AI is opening up breakthrough opportunities for the Vietnamese banking industry, but a comprehensive strategy is needed to make AI truly become a main driver for the industry’s sustainable development.
Rate race tightens as exchange pressures mount

Rate race tightens as exchange pressures mount

As Việt Nam eyes higher growth, central bank easing faces limits amid mounting exchange rate pressures.
Banks urged to spare homes in debt seizures

Banks urged to spare homes in debt seizures

The State Bank of Vietnam has proposed assets as sole homes and only sources of income be exempted from bad debt asset seizure.
Acquirers of weak banks get reserve ratio incentive policy

Acquirers of weak banks get reserve ratio incentive policy

This policy is expected to motivate large banks to participate in handling weak banks, while opening up more credit space for the economy.
Banks net interest margins hit six-year low

Banks' net interest margins hit six-year low

The net interest margin (NIM) for listed banks has declined to its lowest level since 2019, but experts expect this trend will reverse in the near future.
Banking industry to remove credit quota policy from 2026

Banking industry to remove credit quota policy from 2026

Prime Minister Phạm Minh Chính has requested the State Bank of Vietnam (SBV) to develop a roadmap to pilot the removal of the credit growth quota regulation from 2026.
Banks accelerate digitalisation, non-cash payments

Banks accelerate digitalisation, non-cash payments

Việt Nam’s per capita cashless transaction volume now trails only China, with total value of VNĐ295.2 quadrillion (US$11.3 trillion), or 26 times of its GDP.
Banks focus on increasing charter capital in second half of year

Banks focus on increasing charter capital in second half of year

To boost capital, banks are issuing dividend stocks, making private placements, and selling shares to foreign investors.
Foreign exchange rate to be affected by US reciprocal tariffs in short term

Foreign exchange rate to be affected by US reciprocal tariffs in short term

In a recent macro-economic outlook report for the second half of 2025, experts from the KB Securities Company (KBSV) said that in the short term, the exchange rate may remain tense at some points in the third quarter due to...
Banks must compete by interest rate cut when removing credit room

Banks must compete by interest rate cut when removing credit room

PM Chính early this month directed the State Bank of Vietnam (SBV) to urgently consider removing the credit growth cap regulation imposed on commercial banks and replacing the administrative management tool with a market mechanism.
Supply chain credit model helps SMEs access bank loans without collateral

Supply chain credit model helps SMEs access bank loans without collateral

The model is still facing many barriers in implementation as it is estimated that 65 per cent of sales contracts are still being implemented manually, which limits the appraisal and granting of credit.
Banking sector lower lending rates

Banking sector lower lending rates

Alongside adjustments to deposit rates, lending rates across the market continue to decline.
Central bank to assess compliance of banks in risk management

Central bank to assess compliance of banks in risk management

The SBV has so far issued a system of documents guiding the implementation of Basel, such as Circular 41/2016/TT-NHNN regulating the capital adequacy ratio for banks and foreign bank branches and Circular 13/2018/TT-NHNN regulating the internal control system of commercial...
More than 86 million bank accounts to be terminated from September 1

More than 86 million bank accounts to be terminated from September 1

The SBV stated that the deletion of over 86 million bank accounts was considered a system cleanup measure.