BIDV Attends Credit Seminar Organized by Moody’s in Hanoi
On May 12, 2026, as part of the annual Vietnam Credit Conference organized by the international credit rating agency Moody’s, Mr. Tran Phuong, BIDV’s Chief Risk Officer (CRO), was invited to participate as a keynote speaker at the in-depth discussion session.
The Banking Sector Faces a "Double Challenge"
This is a prestigious forum bringing together Moody’s leading analysts on the Vietnamese market, along with guests including representatives from the Ministry of Finance, the International Monetary Fund (IMF), the rating agency VIS Ratings, and several major domestic and international financial institutions. The 2026 seminar focused on three key themes: (i) Vietnam’s growth drivers in the new era; (ii) The banking sector’s resilience and opportunities; and (iii) Solutions to unlock capital for the infrastructure wave.
During an in-depth discussion session titled “Vietnam’s Banking Sector: Enhancing Resilience and Seizing Opportunities Amid Strong Economic Growth,” Mr. Tran Phuong, CRO of BIDV, noted that the banking sector in 2026 faces a “double challenge”: ensuring liquidity amid high credit growth and increasing funding pressures, while simultaneously managing credit quality by aligning it with real cash flows and sustainable debt repayment capacity. Accordingly, credit growth must be accompanied by risk resilience; the focus should not merely be on scaling up but on optimizing risk-adjusted returns, while simultaneously strengthening capital allocation discipline, portfolio quality management, credit concentration levels, and risk management with a “forward-looking” approach — identifying declining trends early before they result in non-performing loans or actual losses.
He also emphasized that, given Vietnam’s high economic openness, factors such as geopolitical volatility or recent international tax policies are no longer merely macroeconomic risks but are directly impacting customers’ debt repayment capacity. Therefore, banks need to focus on optimizing portfolio structure, diversifying risks, and enhancing resilience against external shocks.
Addressing Exogenous Risks and Optimizing Portfolio Structure
Regarding the integration roadmap, Mr. Tran Phuong believes that the implementation of Circular 14/2025 on capital adequacy and Circular 83/2025 on internal control serves as the foundation for Vietnamese banks to move toward Basel III. According to him, the Vietnamese banking sector is shifting from a “compliance mindset” to a “resilience mindset,” where meeting Basel III requirements is not merely about capital adequacy but represents a comprehensive transformation in data management, liquidity management, and risk governance toward a proactive approach. This helps build the strategic competitive capabilities of Vietnamese banks in the regional and international arena.
Affirming BIDV’s Position and Management Capabilities in the International Market
Participating in the discussion not only reaffirms BIDV’s standing but also demonstrates the high regard international organizations hold for the leadership team’s capabilities and vision in shaping credit strategies in Vietnam. At the conclusion of the session, a representative from Moody’s highly commended the insights shared by Deputy General Director Tran Phuong from the perspective of an executive manager. These observations not only help clarify the credit landscape in the domestic market but also reinforce international investors’ confidence in the transparency and flexible adaptability of the Vietnamese banking system in general and BIDV in particular.
