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.
>> CLICK HERE TO READ THIS ARTICLE IN VIETNAMESE
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.
1.577