State Bank has issued Circular No.35 which would be published important indicators of each commercial bank include: CAR, the ratio of bad debts, specific outstanding, ROA and ROE.

As the above stipulation, the State Bank requires credit institutions and foreign banks (hereinafter referred to as credit institutions) to meet the demand of the economic capital with reasonable interest rates, especially for production and agriculture operations. In addition, outstanding loans are needed to be tightly controlled in non-manufacturing sector, however eliminating a number of consumer demand and real estate investment in some specific cases.

Indovina bank has successfully integrated POS system of Smartlink bank members since 18 Oct 2011. IVB ATM card holder can make payment transactions at supermarket, shops and more than 30.000 POS of 20 banks in Smartlink Alliance.

State Bank of Vietnam (SBV) has to refinance about five or six banks, each bank from 1,000 to 5,000 billion dong and these refinancing accompanied with some conditions, according to a source of the Saigon Times Online.