Thông tư 17/2012/TT-NHNN sửa đổi Thông tư 30/2011/TT-NHNN quy định lãi suất tối đa đối với tiền gửi bằng đồng Việt Nam của tổ chức, cá nhân tại tổ chức tín dụng, chi nhánh ngân hàng nước ngoài do Ngân hàng Nhà nước Việt Nam ban hành

CIRCULAR

AMENDING AND SUPPLEMENTING A NUMBER OF ARTICLES OF THE CIRCULAR NO. 30/2011/TT-NHNN DATED SEPTEMBER 28, 2011 STIPULATING THE MAXIMUM INTEREST FOR THE DEPOSIT IN VIETNAM DONG OF THE ORGANIZATIONS AND INDIVIDUALS AT CREDIT INSTITUTIONS AND FOREIGN BANK’S BRANCHES.

Pursuant to the Law on State Bank of Vietnam No. 46/2010/QH12 dated June 16, 2010;

Pursuant to the Law on Credit Institutions No. 47/2010/QH12 dated June 16, 2010;

Pursuant to Decree No. 96/2008/ND-CP dated August 26, 2008 of the Government stipulating the functions, duties, powers and organizational structures of the state bank of Vietnam

Pursuant to Resolution No. 01/NQ-CP dated January 03, 2012 of the Government on the key solutions in directing and operating the implementation of the plan for social and economic development and the State budget estimate of the year 2012;

At the proposal of the Director of Department of Monetary Policy;

The Governor of the State Bank of Vietnam promulgates the Circular amending and supplementing a number of articles of the Circular No.30/2011/TT-NHNN dated September 28, 2011 stipulating the maximum interest rate for the deposit in Vietnam dong of the organizations and individuals at credit institutions and foreign bank’s branches.

Article 1. Amending and supplementing Article 1 of Circular No. 03/2011/TT-NHNN dated September 28, 2011 stipulating the maximum interest rate for the deposit in Vietnam dong of the organizations and individuals at credit institutions and foreign bank’s branches:

1. Clause 1 of Article 1 is amended and supplemented as follows:

“1. The maximum interest rate applies for non-term deposit and with term of less than 1 month is 3%/year.”

2. Clause 2 of Article 1 is amended and supplemented as follows:

“2. The maximum interest rate applies for the deposit with term from 01 month or more is 11%/year; for local People’s credit Fund, they shall fix the maximum interest rate for the term deposit from 01 month or more to be 11.5%/year.

Article 2. Implementation organization

1. This Circular will take effect on May 28, 2012 and supersede the Circular No. 08/2012/TT-NHNN dated April 10, 2012 of the State Bank Governor, amending and supplementing a number of articles of the Circular No. 30/2011/TT-NHNN dated September 28, 2011 stipulating the maximum interest rate for the deposit in Vietnam dong of the organizations and individuals at credit institutions and foreign bank’s branches.

2. For the interest rate to term deposits in Vietnam dong of organizations and individuals at credit institutions and foreign bank’s branches arising before the date this Circular takes effect is implemented until their expiry. In case the agreed term is over but the organizations and individuals do not come to withdraw their deposit, the credit institutions and foreign bank’s branches will fix the interest rate for the deposit as prescribed in this Circular.

3. The agency of bank inspection and supervision and the State Bank’s branches of central-affiliated cities and provinces will conduct the inspection and supervision of the implementation of provisions on the interest rates in Vietnam dong; apply the measures under their competence in order to handle credit institutions and foreign bank’s branches that violate the provisions in this Circular.

4. The Chief of office, Director of Monetary Policy Department and Heads of units under the State Bank of Vietnam, Director of State Bank’s branches of central-affiliated provinces and cities; Chairman of the Board, Chairman of the Member Board, General Director (Director) of credit institutions, foreign bank’s branches, local People’s Credit Fund, and related organizations, individuals are liable to execute this Circular.

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