On September 25, 2025, the Chief Inspector of the State Bank of Vietnam (SBV) Region 9 issued Inspection Conclusion No. 195/KL-TTNH regarding Tien Phong Commercial Joint Stock Bank, Quang Nam branch (TPBank Quang Nam).
In conclusion, the borrowers who passed the basic check met the loan conditions regarding legal capacity, civil capacity, legal loan purpose, and feasible capital usage plan; the customers provided information on the business situation, financial capacity to ensure the ability to repay the loan, complied with regulations on capital needs that are not allowed to be lent; and applied loan security measures as prescribed. All loans are appraised before deciding to lend, signing credit contracts and disbursing according to TPBank 's lending process. The loan approval ensures the principle of independence and division of responsibilities between the appraisal and loan decision stages.
However, lending activities at TPBank Quang Nam still have many shortcomings, violations, and do not comply with legal regulations and internal regulations.
The branch has not complied with internal regulations on collecting contents and documents as a basis for customer appraisal; There is no clear basis according to internal regulations on guidelines for appraisal of loan conditions of KHCN and KHDN MSME to determine whether the customer has actual business to generate income to repay the debt; Has not collected legal documents proving production and business activities such as business registration certificate or tax code lookup of the customer; Determining the principal payment period (grace period) is not consistent with the results of assessment and appraisal of the customer's business situation.
Regarding collateral management, the branch has not fully implemented internal regulations on collateral management (inspection and re-evaluation of collateral). It has not complied with internal regulations on property insurance for customers granted credit at TPBank: not keeping vehicle insurance certificates; in some cases, customers have not purchased insurance for motor vehicle collateral.
The post-loan inspection does not fully comply with internal regulations such as: actual assessment of debt repayment sources, debt repayment capacity, collateral... There is no assessment report and proposed handling after inspection.
Notably, the handling of bad debts is still inadequate when post-loan checks on customers are not regularly carried out according to TPBank's regulations, leading to some loans not being properly assessed for risk. The Inspectorate requested TPBank Quang Nam to review and reclassify into higher-risk debt groups, based on Circular 31/2024/TT-NHNN.
In guarantee activities, documents, procedures, and trade finance guarantees, branches shall comply with the regulations of the Governor of the State Bank on bank guarantees and internal regulations of TPBank.
However, there are still shortcomings such as: not collecting construction plans and project estimates according to TPBank's post-loan inspection process, not collecting guarantee fees according to internal regulations. TPBank Quang Nam does not account for the reduction of guarantee value when TPBank terminates its guarantee obligation. Providing/updating debt group information of guarantee commitments to CIC does not match the classification of guarantee commitments at the branch for guarantee commitments classified in group 1 or higher.
Based on the results, the Inspectorate made 3 recommendations to TPBank and 8 specific recommendations to TPBank Quang Nam to overcome shortcomings, ensure safe and effective operations and compliance with legal regulations.
Source: https://doanhnghiepvn.vn/kinh-te/tpbank-quang-nam-co-nhieu-han-che-trong-hoat-dong-tin-dung-va-bao-lanh/20251002094802494
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