Existing in many lending stages
The State Bank of Vietnam Region 2 Inspectorate has just announced Notice No. 203/TB-TTRA. BD on the inspection conclusion of Military Commercial Joint Stock Bank Binh Duong Branch, abbreviated as MB Binh Duong.
The inspection was carried out according to Decision No. 100/QD-TTRA. BD dated April 10, 2026 of the Chief Inspector of the State Bank of Vietnam Branch Region 2.
The inspection team conducted direct inspections at MB Binh Duong from April 24 to May 26, 2026, with 20 actual working days.
On July 15, 2026, the Chief Inspector of the State Bank of Vietnam Branch Region 2 issued Inspection Conclusion No. 62/KL-TTRA. BD for MB Binh Duong.
The inspection period is determined from January 1, 2025 to February 28, 2026.
According to the conclusion, MB Binh Duong has implemented monetary policies according to the direction of the Government, the State Bank and the head office; implemented business strategies, digital transformation and credit growth solutions.
Through inspection, functional agencies recorded that MB Binh Duong basically complies with the provisions of law and the State Bank in publicly listing fee schedules, interest rates, exchange rates and professional activities.
The branch also basically complies with regulations in lending, capital mobilization, bad debt handling, off-balance sheet debt recovery; foreign currency trading, foreign exchange trading; corporate bond investment; asset management, income, expenses and use of funds.
However, the inspection results determined that MB Binh Duong still has shortcomings and limitations that need to be learned from, reviewed, overcome and corrected.
Problems related to loan principles; appraisal, review and lending decisions; post-lending inspection and supervision are not strict; collection of loan applications and disbursement of loans.
The Inspectorate also recorded shortcomings in the operation of discounting sets of documents; bad debt handling, off-balance sheet debt recovery and compliance with foreign exchange regulations.
Responsibility belongs to the leadership and related individuals
According to the inspection conclusion notice, the shortcomings and limitations at MB Binh Duong stem from both objective and subjective causes.
In which, some officials lack measures to manage and supervise customers' loans; have not paid close attention to the collection of documents and vouchers proving the content of appraisal, inspection and control of transaction vouchers.
Some cases have not fully complied with internal regulations and regulations of the State Bank.
The inspection agency determined that the responsibility for the shortcomings and limitations belonged to the branch leadership, relevant professional departments and individuals assigned to directly perform the work at each time.
The Chief Inspector of the State Bank of Vietnam Region 2 issued 6 recommendations and requested the implementation of 13 recommendations to overcome existing shortcomings and limitations, ensuring MB Binh Duong operates safely, effectively and in accordance with legal regulations.
