Strengthening supervision of deposit insurance in the North Central region.

The Vietnam Deposit Insurance Corporation's North Central Region branch currently directly manages 253 deposit insurance participating institutions, including Bac A Commercial Bank, Thanh Hoa Microfinance Institution, and 251 People's Credit Funds.

Over the past year, the branch has successfully completed its professional work plan; performing well in issuing and revoking deposit insurance certificates, collecting fees, conducting inspections, supervision, internal control, public relations, administrative organization, and accounting. Departments and individuals have made innovative improvements to enhance the quality of their operational activities.

The branch has effectively carried out regular supervision of deposit insurance participating institutions in its jurisdiction, on a quarterly basis (Q4/2024, Q1, Q2, Q3/2025 reaching 100%) and conducted in-depth supervision of problematic People's Credit Funds; continuing to improve the quality of supervision of units, effectively utilizing data from the State Bank of Vietnam and maintaining the submission of reports on insured deposits of deposit insurance participating institutions as prescribed.

Through monitoring and analysis of the operational situation of the units, most are stable, have a fairly high growth rate, a reasonable capital structure, and basically comply with regulations on safety indicators in banking operations; credit quality is ensured, and bad debts account for a low percentage of total outstanding loans. Seven People's Credit Funds are classified into groups 4 and 5; of which 4 units are under special supervision. The branch has been coordinating with the State Bank of Vietnam's regional branch in the special supervision of these units. The branch also completed inspections as requested by the State Bank of Vietnam of 22 People's Credit Funds (out of a total of 120 People's Credit Funds assigned by the State Bank of Vietnam to the Vietnam Deposit Insurance Corporation).

In 2026, the Vietnam Deposit Insurance Corporation's North Central Region branch will continue to develop and focus on completing its work plan; continue to fully and effectively implement the deposit insurance policy to protect the legitimate rights and interests of depositors, contributing to maintaining the stability of the credit institution system and ensuring the safe and sound development of banking operations.

During that process, focus was placed on completing periodic inspections and coordinating inspections of commercial banks as required. Supervision was achieved at 100% of deposit insurance participating institutions within the branch's jurisdiction; the issuance of deposit insurance participation certificates was carried out effectively, and the reporting regulations on insured deposits were implemented; letters were sent to encourage and remind deposit insurance participating institutions to comply with State regulations on deposit insurance…