Strategic insights for financial leaders, presented by VIET Transformation Advisors
Introduction: Reform That Touches Every Corner of the Market
On May 19, 2025, Vietnam introduced Decree 68/2025/NQ-TW, a bold and far-reaching regulation set to reshape its banking sector. At first glance, the changes may appear technical: a higher cap on foreign investment in troubled banks, new operational flexibilities for acquirers, and temporary regulatory concessions. But the real story is broader – and far more human. This is about risk, resilience, and the rebuilding of trust in Vietnam’s financial system.
The decree doesn’t only affect institutional investors or top-level bank executives. It also sends powerful signals to every borrower, every business with a loan, and every entrepreneur relying on credit to grow. When the rules of banking change, so do the rules of borrowing.
