Trang Chủ
Strengthening capacity, perfecting the legal framework
One of the outstanding and strategic activities that DIV focused on implementing in the first six months of the year was researching and proposing mechanisms and policies to refine the legal framework for DIV activities, with a focus on developing the Law on deposit insurance (amended). The Law Project has been added to the 2025 Law Development Program, which is expected to be submitted to the National Assembly during the 10th session.
As a member of the Policy Appraisal Council for the Law on deposit insurance (amended), established by the Ministry of Justice, the DIV not only contributed professional opinions but also proposed content to enhance its role in the restructuring process of weak credit institutions. At the same time, the DIV also actively coordinated with the State Bank of Vietnam (SBV) and related units in unifying the content of the draft Law; organized synchronous and systematic communication throughout the process of drafting and submitting the draft Law to create social consensus and raise public awareness of the essential role of the deposit insurance policy.
The entire deposit insurance system has been implemented vigorously, closely following the direction of the Government, the SBV, and the annual plan. Core operations, including granting and revoking Certificates of participation in deposit insurance, supervision, examination, collecting deposit insurance premiums, temporarily investing idle capital, coordinating special controls, and participating in resolving weak credit institutions, have all been carried out on schedule, ensuring quality and compliance with legal regulations.
Currently, the DIV is protecting individual deposits at 1,277 organizations, including 96 commercial banks, 01 cooperative bank, 1,176 people's credit funds (PCFs), and 4 microfinance organizations. The issuance and revocation of the Certificate of participation in the deposit insurance are implemented seriously, in accordance with regulations, ensuring transparency of information to depositors.
Supervision work continued to be organized closely and focused. During the period, the DIV completed all supervision reports for insured institutions, as well as in-depth supervision reports for credit institutions experiencing problems. It promptly detected and warned of unsafe risks and coordinated with the SBV to propose solutions for resolving and preventing such risks. In addition, the DIV proactively exchanged information with the National Credit Information Center (CIC) and regional branches of the SBV to improve the ability to assess and forecast risks throughout the system.
The examination work was carried out on schedule and according to plan. In 6 months, DIV supervised 125 out of 238 insured institutions according to the periodic plan and 50 out of 120 PCFs as required by the SBV. As a result, many errors were detected and promptly corrected, thereby protecting the rights of depositors and strengthening discipline in implementing DIV policies and banking activities.
Deposit insurance premium collection is carried out in accordance with the law. The DIV has exempted premiums for 33 insured institutions under special control, totaling more than VND 155 billion. As of June 30, 2025, the total operating capital of the DIV exceeded VND 135 trillion, representing a 14.6% increase over the same period last year. Of which, the operational reserve fund reached more than VND 128 trillion, representing a 15.1% increase.
In the past six months, DIV has sent 34 officers to join the Special Control Board at 28 PCFs, coordinating with the SBV to assess and provide advice on plans to restore weak credit institutions in several localities.
Communication activities continue to be implemented in diverse and creative ways, contributing to increased awareness and strengthened trust in the social insurance policy. Communication content is widely disseminated in print, electronic newspapers, television, radio, social networks, and internal communication channels. Many publications, videos, news articles, and communication events are organized in conjunction with the Law amendment process, helping to bring the social insurance policy closer to the people.
To effectively protect depositors' rights, even in the absence of a payment obligation, DIV still proactively organizes professional drills and develops a payment handbook to standardize procedures, enhance response capacity, and aim to reduce payment time to 30 days.
Proactive, flexible, and determined to carry out tasks in the new context
Following the results achieved in the first half of the year, DIV enters the second half of 2025 with a proactive, flexible, and highly determined spirit, aiming to achieve its set goals comprehensively.
The focus is on continuing to coordinate with the SBV and relevant agencies to finalize the draft Law on deposit insurance (amended), ensuring quality and progress in submitting it to the National Assembly. At the same time, the DIV will promote policy communication, disseminate the amended content to create social consensus, and prepare for implementation when the Law is passed.
DIV will also complete the report and organize a preliminary review of the Deposit Insurance Development Strategy for the period 2022-2025, and effectively implement the contents of the detailed plan to implement the Strategy on schedule.
Key operations such as issuing Certificates of participation in deposit insurance, supervision, examination, and reimbursement continue to be implemented synchronously and resolutely. The DIV aims to refine the risk supervising method, the set of supervising indicators, and improve its capacity for in-depth analysis; at the same time, it will strengthen coordination in special control work to address problematic credit institutions promptly. Periodic examination of insured institutions and PCFs, as required by the SBV, will be carried out on schedule, ensuring quality and contributing to the early detection, prevention, and resolving of potential risks.
In addition, the DIV will develop a plan to invest temporarily idle capital in a flexible, safe, and effective manner to enhance its financial capacity. At the same time, it will implement a special borrowing process from the SBV in case the operational reserve fund is insufficient to pay according to the approved bankruptcy plan.
In addition, DIV aims to continue promoting digital transformation, putting the e-Office into operation, applying artificial intelligence, and enhancing internal training. At the same time, it will study international experiences and adjust them to domestic practice, in order to proactively and effectively respond to systemic risks.
Information exchange and coordination activities with the SBV branches and CIC continue to be maintained regularly. On this basis, DIV will review and update the coordination regulations in accordance with the adjustment of administrative boundaries. At the same time, it will gradually improve the organizational structure to streamline operations, enhance efficiency, optimize staff capacity, and improve the quality of task implementation.
With high determination and a specific action plan, DIV will continue to uphold the sense of responsibility, promptly and comprehensively deploy operations close to the actual situation to achieve the best results, thereby affirming its role in the mission of protecting the legitimate rights and interests of depositors, contributing to maintaining the stability and healthy development of credit institutions.
Communication Department
