Banks are also being instructed to rigorously inspect loans involving real estate collateral.

During this period, bank bonds constituted 67.1% of the total issuances, overshadowing the real estate sector, which accounted for only 20.8%.

Vietnam Report announces the 2025 list, spotlighting the sector's growth, digital drive, and profit resilience.

In just two years, a rising commercial bank has conducted two major capital increases, surpassing long-established players Sacombank (USD 742 million) and Eximbank (USD 736 million) in charter capital.

Access to this massive amount of data allows banks to expand their digital offerings, particularly online lending.

The drive toward listing is part of a broader strategy among banks to strengthen capital bases.

Nine commercial banks in Vietnam have committed to offering preferential loans for young people under 35 to purchase social housing, with a fixed interest rate of 6.1% per annum applied through June 30, 2025.

Vietnam will close tens of millions of unverifiable bank accounts by September 2025 under new digital payment regulations.

Financial leasing was sound in several categories, such as for cars, up 26.4% to 8.5 trillion VND, ships up 79.44% and medical equipment up 50%.

From July 1, 2025, all business transactions must meet new biometric compliance.

Leveraging AI in producing sustainability information may enhance efficiency, accuracy and also strategic decision making, a banking and finance forum has been told.

The new circular aims to streamline administrative procedures, remove barriers and enhance the ease with which foreign capital can flow into Vietnam’s stock market.

Data plays a key role in preventing financial crime so financial institutions, especially banks, need to effectively apply and leverage data analysis to mitigate risks, experts said at a conference on May 20.

According to the current regulations, the share ownership cap by an institutional shareholder in a credit institution is reduced from 15% to 10% and for an individual and his/her related parties from 20% to 15%.

A series of banks have announced plans to cut staff and transaction branches, setting off a wave of job losses in the banking industry that was, in recent years, considered one of the hottest professions.

SBV says that controlling cross-ownership in banks is extremely challenging when shareholders and related parties intentionally conceal their ownership by using individuals or organizations’ names as shareholders to circumvent regulations.

U.S. reciprocal tariff policies targeting several countries, including Vietnam, have become a focal concern for banks, as these measures could directly impact their clients and, in turn, affect the quality of bank assets.

Vietnam will begin a two-year trial of peer-to-peer (P2P) lending, credit scoring, and data sharing through open application programming interfaces from July 1, following the Government’s Decree 94 issued on April 29.

GPBank, MBV, Vikki Bank, and VCBNeo are undergoing digital transformation with support from major banks.