WSEAS Transactions on Business and Economics
Print ISSN: 1109-9526, E-ISSN: 2224-2899
Volume 23, 2026
The Law on Minimum Capital Adequacy Ratio when Restructuring Commercial Banks in Vietnam in the Period of International Integration
Authors: ,
Abstract: Vietnam’s commercial banks are facing increasing risks, threatening the stability of the national financial system. Therefore, restructuring is essential, accompanied by strong legal regulations on the minimum capital adequacy ratio (CAR) to ensure system safety and international integration requirements. This article analyzes legal issues related to CAR during bank restructuring, identifies regulatory gaps, and proposes improvements. Using qualitative and comparative methods, the research highlights that compliance with Basel II capital standards is critical in restructuring. Capital serves as both a prerequisite and a binding condition in the post-restructuring phase. The minimum CAR must be applied more strictly, requiring commitment from banks and regulatory bodies. Restructuring activities—such as establishment, operation, acquisition, and merger—must comply with capital and CAR standards. These are vital legal conditions to ensure that mergers and consolidations are conducted safely and sustainably, contributing to the long-term stability and competitiveness of Vietnam’s commercial banking system during international integration.
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Keywords: minimum capital adequacy ratio, CAR, minimum CAR, laws on minimum capital adequacy ratio, restructuring, commercial bank, international integration
Pages: 55-66
DOI: 10.37394/23207.2026.23.5