The most notable point is the draft proposal to increase the limit on the status of gold at the end of the day to 5% compared to self-made capital for TCTDs allowed to produce gold bars, export and import gold (both gold bars and raw gold).
According to the drafting committee, raising this limit is to create conditions for banks to supply a significant amount of gold to the market, in the context of expanding their scope of gold trading activities. This move is expected to help narrow the gap between domestic gold prices and world gold prices.
The figure of 20 tons is a hypothetical calculation from the drafting committee.
Currently, there are 8 commercial banks (NHTMs) including VCB, CTG, BIDV, Agribank, TCB, MBB, VPB, and ACB that meet the conditions for charter capital according to regulations.
The drafting committee assumes that if all 8 gold exchanges are licensed by the State Bank for gold production and import and export, then 5% of their total equity (as of September 30, 2025) will be equivalent to 2.56 billion USD, or about 20 tons of gold (exchanged at the exchange rate of 26,135 VND/USD and world gold price of 3,982 USD/ounce).
For credit institutions that are only allowed to buy and sell gold bars (not producing, exporting and importing), the gold status limit is kept at 2% compared to equity.
TCTDs are not allowed to maintain a negative gold status.
Whether banks can produce or import gold or not depends on whether the SBV reviews and grants a specific quota.
Self-made capital to calculate the limit on gold status is the capital of the month immediately preceding the reporting period.
The SBV believes that even at 5%, the scale of the gold status is still not too large compared to the financial capacity of qualified SBVs and still ensures the safety of the system.
