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Accordingly, the loan-to-deposit ratio is still in accordance with regulations prescribed in Circular No. 22/2019/TT-NHNN with the adjustment in the total deposit.
In particulars, the total deposit includes:
(1) Deposits of domestic and overseas institutions (including also deposits of other credit institutions and foreign bank branches), except:
- Collateral amounts and special-use capital deposits of clients;
- Demand deposits of the State Treasury;
- Time deposits of the State Treasury according to the following schedules:
- From the effective date of this Circular to December 31, 2023: 50% of the balance amount of deposit of the State Treasury;
- From January 1, 2024 to December 31, 2024: 60% of the balance amount of deposit of the State Treasury;
- From January 1, 2025 to December 31, 2025: 80% of the balance amount of deposit of the State Treasury;
- From January 1, 2026: 100% of the balance amount of deposit of the State Treasury.
(2) Deposits of individuals, except collateral amounts and special-use capital deposits.
(3) Amounts raised through issuance of promissory notes, bills, deposit certificates and bonds
Circular No. 26/2022/TT-NHNN takes effect on December 31, 2022.
