{"id":34157,"date":"2022-09-23T15:52:22","date_gmt":"2022-09-23T08:52:22","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=34157"},"modified":"2025-01-13T11:49:29","modified_gmt":"2025-01-13T04:49:29","slug":"3-247-bad-debts-remain-a-challenge-for-banks-in-q4-2022","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-247-bad-debts-remain-a-challenge-for-banks-in-q4-2022\/","title":{"rendered":"3.247. Bad debts remain a challenge for banks in Q4 2022"},"content":{"rendered":"

Bad debts remain a challenge for banks in Q4 2022<\/span><\/h4>\n
(VN News) – According to the World Bank (WB), if including potential NPLs from restructured debts, the number of NPLs in the Vietnamese banking system is not low and must be continuously monitored.<\/h5>\n
\"Bad

Customers\u00a0at a Sacombank\u00a0office in the northern province of Ninh B\u00ecnh. The number of\u00a0 bad debts\u00a0of the Vietnamese banking system is not low and must be continuously monitored. \u2014 Photo courtesay of\u00a0Sacombank<\/p><\/div>\n

H\u00c0 N\u1ed8I\u00a0\u2014 Besides interest and exchange rates, non-performing loans (NPLs) are also a concern for banking activities in the remaining months of 2022, experts have warned.<\/p>\n

According to the World Bank (WB), if including potential NPLs from restructured debts, the number of NPLs in the Vietnamese banking system is not low and must be continuously monitored.<\/p>\n

The State Bank of Vietnam (SBV) last year issued Circular No. 14\/2021\/TTNHNN. Under the circular, the SBV told banks to reschedule debt repayments\u00a0to help customers affected by the COVID-19 pandemic until June 30 this year. The circular also allowed banks to keep the debt classification for COVID-19 borrowers unchanged.<\/p>\n

According to SBV\u2019s statistics, by late April this year, total accumulated scheduled loans hit VN\u0110695 trillion,\u00a0and\u00a01.1 million borrowers benefited from the incentive policy.<\/p>\n

In fact, the ratio of NPLs on the balance sheet at commercial banks has continued to increase since the end of 2020. Until June 30 this year, the total NPLs of 28 listed banks were about VN\u0110122 trillion, an increase of nearly 11 per cent compared to the end of the first quarter and nearly 20 per cent compared to the beginning of 2022.<\/p>\n

Experts forecast the NPLs of banks may continue to increase when Circular No. 14\/2021\/TT-NHNN expired on June 30 this year. When not being extended, many debts will have to be listed in worse debt groups if customers do not pay their debts on time, which will cause NPLs to increase.<\/p>\n

In the context of rising potential NPLs and limited\u00a0capital supply to the economy in the coming period, SBV\u00a0Governor Nguy\u1ec5n Th\u1ecb H\u1ed3ng has recently issued Document No. 5962 requesting the Vietnam Asset Management Company, Vietnamese and foreign banks to continually handle bad debts according to Resolution No. 42\/2017\/QH14, which includes accelerating the handling of NPLs and collaterals of bad debts; and proactively and actively coordinating with police, tax and court agencies at all levels and other relevant agencies to effectively implement policies dealing with NPLs, such as seizing collateral\u00a0and applying shortened procedures in disputes related to collateral\u00a0at courts.<\/p>\n

Banks have been also very enthusiastic about the handling of collateral assets and debt recovery. They have continuously promoted the sale of NPLs\u2019 collateral. Sacombank, for example, has recently announced it will continue to auction 19 apartments of the Xi Grand Court project while BIDV will also put for auction 1ha of land in Ch\u01a1n Th\u00e0nh Industrial Park and many assets attached to the DIC B\u00ecnh Ph\u01b0\u1edbc cement factory with a starting price of VN\u011031.85 billion. Previously, BIDV announced an auction of the debts of two other companies with outstanding loans of VN\u0110940 billion.<\/p>\n

However, the sale of real estate collateral\u00a0has encountered many difficulties although banks have actively advertised on media and lowered prices. For example, Sacombank has to drastically reduce the price of 19 apartments in the Xi Grand Court project from VN\u0110100.8 billion to VN\u011079 billion. These apartments were put for sale for the first time in July 2020, but after two\u00a0years, Sacombank could not sell any apartments and had to reduce prices sharply.<\/p>\n

C\u1ea5n V\u0103n L\u1ef1c, chief economist of BIDV, told\u00a0Vi\u1ec7t Nam News<\/em>\u00a0that the sale of real estate collateral assets\u00a0is facing difficulties because the realty market is quiet with liquidity dropping sharply.<\/p>\n

OCB General Director Nguy\u1ec5n \u0110\u00ecnh T\u00f9ng also admitted the settlement of bad debts is currently more difficult than in the previous period. Currently, although borrowers want to sell their real estate as mortgages to pay debts to banks, it is difficult to find buyers because of the poor realty market liquidity. Therefore, bad debt settlement at banks is slower.<\/p>\n

Besides, L\u1ef1c suggested streamlining\u00a0Resolution No. 42\/2017\/QH14 to better deal with bad debts.<\/p>\n

\u201cOne of the major problems when dealing with bad debts currently is the handling of collateral. A credit institution’s right to seize collateral assets is one of the key contents in Resolution 42, but it does not specify regulations\u00a0when the borrowers do\u00a0not cooperate. Therefore, it is necessary to have a law on bad debt settlement with a stronger legal framework,\u201d L\u1ef1c said.<\/p>\n

Lawyer<\/span><\/a>\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Director of the Law Firm<\/a>\u00a0ANVI<\/a><\/strong>, also said Resolution 42 has a good effect in dealing with bad debts.\u00a0However, the policy still needs to be further streamlined to improve the handling of bad debts in the\u00a0banking industry. \u2014 VNS\u00a0\u00a0\u00a0<\/em><\/p>\n

——————–<\/p>\n

Vietnamnews<\/em><\/strong> (Economy) 23-9-2022:<\/em><\/strong><\/p>\n

https:\/\/vietnamnews.vn\/economy\/1337307\/bad-debts-remain-a-challenge-for-banks-in-q4-2022.html<\/a><\/em><\/p>\n

(43\/809)<\/em>","protected":false},"excerpt":{"rendered":"

Bad debts remain a challenge for banks in Q4 2022 (VN News) – According to the World Bank (WB), if including potential NPLs from restructured debts, the number of NPLs in the Vietnamese banking system is not low and must be continuously monitored. H\u00c0 N\u1ed8I\u00a0\u2014 Besides interest and exchange rates, non-performing loans (NPLs) are also […]<\/p>\n","protected":false},"author":2,"featured_media":34158,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[39,40,37,44,34,36],"class_list":["post-34157","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-cong-ty-luat-anvi","tag-dich-vu-phap-ly","tag-kinh-doanh-sanh-luat","tag-luat-su-dau-tu","tag-luat-su-doanh-nghiep","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.247. 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