The State Bank of Vietnam has recently sent a document to commercial banks regarding the granting of credit for projects based on requests from businesses.
The State Bank of Vietnam announced that it has received proposals from Vingroup , Masterise Aviation Infrastructure Joint Stock Company, and Sungroup Joint Stock Company regarding the exclusion of outstanding credit balances when calculating certain credit indicators as stipulated for some projects that the three companies are implementing.
The indicators include: annual credit growth, the ratio of short-term funds used for medium- and long-term lending, and the ratio of loans to a single customer or related customer group.
The projects that businesses proposed to exclude include 18 projects: Projects serving the APEC Conference; projects implemented under the PPP model; high-speed railway projects (Ben Thanh - Can Gio and Hanoi - Quang Ninh lines); projects related to Gia Binh International Airport...

According to the proposals from the businesses, the projects being implemented by the three companies and requiring this credit are large-scale, key projects with a ripple effect, linking and promoting regional and local economic development as directed by the Government.
Based on the proposal, the State Bank of Vietnam stated that the three businesses and commercial banks need to proactively approach, discuss, and decide on granting credit.
In cases where commercial banks provide credit or loans to businesses for the aforementioned projects, the commercial banks are allowed to exclude any newly incurred credit or loan balances from the annual credit or loan disbursement to customers for the implementation of those projects.
However, commercial banks must monitor outstanding loans incurred for project implementation and report to the State Bank of Vietnam to ensure that the total credit limit and lending to investors, contractors, service providers, goods suppliers, etc., participating in project investment implementation at any given time does not exceed the total loan capital requirement.
Commercial banks are responsible for requiring the three enterprises to closely manage the total reported credit capital needs for each project and to confirm and commit to the purpose of using the credit granted as for project implementation and the total outstanding credit balance for each project.
Regarding the ratio of short-term funds used for medium- and long-term lending, the State Bank of Vietnam requires banks to comply with Circular 25 issued on June 22, 2026. Accordingly, from July 1st, the ceiling for this ratio will be raised from 30% to 40%.
Regarding credit limits for a customer and their related parties, the State Bank of Vietnam stated that the demand for loans to implement the aforementioned projects is very large, encouraging commercial banks to cooperate with each other to provide syndicated loans...
Source: https://tienphong.vn/18-du-an-duoc-dac-cach-cap-tin-dung-post1853823.tpo










