Vietnam enforces 8% capital adequacy ratio for banks from September 15
From September 15, commercial banks and foreign bank branches must maintain a minimum capital adequacy ratio (CAR) of 8%, including at least 4.5% in Tier 1 core capital and 6% in Tier 1 capital.
Vietnam to enforce 8% capital adequacy ratio for banks from September 15 (Photo: VNA)
Hanoi (VNA)🌄 – From September 15, commercial banks and foreign bank branches must maintain a minimum capital adequacy ratio (CAR) of 8%, including at least 4.5% in Tier 1 core capital and 6% in Tier 1 capital.
The requirement is set out in Circular No. 14/2025/TT-NHNN issued by the State Bank of Vietnam, which also obliges banks with subsidiaries to comply with consolidated CAR standards in addition to individual ones.
The circular further stipulates that cash dividend payments are permitted only when banks have fully met the new capital requirements, pushing lenders to reinforce their capital base before profit distribution.
In anticipation, many banks have recently moved to raise charter capital through share issuances, profit retention, or issuing eligible debt instruments to bolster Tier 2 capital.
As of the end of June, financial statements from 29 banks showed total charter capital of the sector at 879.35 trillion VND (33.3 billion USD), up 6.6% from the end of 2024. The five largest banks, Vietcombank, VPBank, Techcombank, BIDV, and MB, accounted for 41% of the total./.
According to the State Bank of Vietnam (SBV), the process involved validating and updating more than 120.9 million individual records and over 1.2 million organisational accounts with biometric data obtained through chip-based ID cards or VNeID e-identification platform, ensuring 100% coverage for active digital payment accounts.
Experts say that after over a decade of implementation, the credit growth quota policy is currently inappropriate and is criticised for creating an “ask and give mechanism”, hindering people and businesses from accessing bank loans.
According to the State Bank of Vietnam, by the end of June 2025, total system-wide credit had grown by approximately 9.9%, with capital flows concentrating on priority sectors such as production, business, and notably, start-ups.
Ho Chi Minh City, as the country’s largest economic and financial hub, is expected to take the lead in key areas such as capital markets, banking, and commodity trading. Meanwhile, Da Nang, with its strategic location and open-minded spirit, holds great potential to become a pioneer in sustainable finance, green finance, and digital financial services.
By aligning regulatory frameworks more closely with international practices, the Vietnamese Government expects to create a more transparent, efficient and investor-friendly market environment.
The Vietnam Investment and Finance Association (VIFA) in the UK has successfully organised the event “Financial Insights 2025” in London, aiming to strengthen financial and business ties between the two countries.
Equipped with the state-of-the-art Rolls-Royce Trent 700 engine, the A330 aircraft will immediately be put into operation on routes to Australia, Kazakhstan, India, Japan and Europe, offering passengers a modern and comfortable travel experiences.
To deliver on the goal, the document highlighted the need to remove such barriers as pre-funding requirement for foreign investors ahead of trades while the central counterparty clearing (CCP) is being developed. Transparency on foreign ownership limits should be enhanced across all areas, together with streamlined registration procedures for account opening and indirect capital registration.
The State Bank of Vietnam set the daily reference exchange rate at 25,216 VND/USD on September 15, unchanged from the last working day of the previous week.
One of the key growth drivers for the paper packaging industry is the boom in e-commerce, FiinGroup reported, forecasting that the size of Vietnam's e-commerce market will reach 60 billion USD by 2030, leading to a massive demand for corrugated cartons used for shipping.
The Finance Minister's mission in the UK and Italy is expected to unlock new cooperation opportunities across multiple high-potential sectors, contributing to economic and financial cooperation between Vietnam and European countries.
The application integrates artificial intelligence (AI) and is capable of analysing images of wood cross-sections, providing identification results with an accuracy of up to 98.6% in less than one second.
The EU is among the world’s top three importers of farm produce, but Vietnam holds only a 2% share – still modest compared to its agricultural production capacity and potential, which indicates vast growth potential in the EU if backed by a proper strategy.
Vietnam’s stock market has emerged as a key driver of economic growth, serving as a channel for medium- and long-term capital mobilisation and a launchpad for businesses to enhance governance and financial transparency, said insiders.
With clear planning and a complete legal framework, Vietnam could draw private firms’ participation in the project. This is not only about mobilising capital, but also about fostering supporting industries, improving management capacity, and advancing sustainable economic and social development.
The roundtable was regarded as one of the largest international aviation cooperation events held in Vietnam this year. It was positioned as an investment promotion platform, where businesses from both countries - particularly in the fields of aviation and hospitality - had the opportunity to meet, exchange insights, and explore new avenues for cooperation.
State-run Airports Corporation of Vietnam (ACV) has proposed establishing an integrated air logistics centre and non-tariff zone at Long Thanh International Airport in Đồng Nai Province with an aim to turn it into a regional cargo gateway.
In the long term, greater transparency in project listings, administrative reform, and synchronised infrastructure investment will help position HCM City as a real estate hub in Southeast Asia. The city has the opportunity not only to attract FDI into real estate, but also to expand into finance, asset management, and associated services.
To fully harness the sector’s market potential, Vietnam’s coconut industry must pivot towards sustainable development. Eco-friendly cultivation methods, climate resilience, and emissions reduction will be vital in the coming phase.
Milk and dairy products contributed 74.8 million USD, down 11.7%, while exports of meat, meat by-products and post-slaughter by-products brought home 137.7 million USD, representing a 30.4% increase.
PM Pham Minh Chinh demanded a more effective fiscal policy to complement monetary efforts, directing the central bank to focus on exchange rates, interest rates and risk management.
WAGO Group proposed building a biomass power plant in Vinh Long where rice husks would be burned to generate steam for turbines, and the remaining ash would be processed into silica.
