Accordingly, continue to consolidate and develop the Vietnam Development Bank (VDB) as a policy bank of the Government that operates not for profit in a sustainable and effective manner, ensuring sufficient capacity to implement the State's investment credit and export credit policies and other tasks assigned by the Government and the Prime Minister, contributing to the implementation of the country's socio-economic development strategy and plan in each period.

The decision also states that the average credit growth rate in the period 2013-2020 is about 10%/year, accordingly, VDB's asset scale by 2020 will reach about VND 500,000 billion. In the period after 2020, the credit growth rate is determined in accordance with socio-economic development requirements. Determine the structure between the Bank's equity and mobilized capital, have a roadmap to increase equity capital to achieve the ratio of equity compared to the total outstanding loans for investment credit and export credit of the Vietnam Development Bank to suit each period. Improve credit quality, especially appraisal, disbursement, and debt collection management; develop a bad debt classification mechanism suitable to the nature of VDB's operations; develop risk provisioning mechanisms and measures to handle bad debts for lending programs; Actively collect debt and handle risks with the goal of reducing the overall bad debt ratio below 7% in 2015, from 4%-5% in 2020; The bad debt ratio in the period 2020-2030 is below 3%. Standardize operational procedures to meet the requirements of implementing development support policies according to the Party and State's policies and target programs decided by the Government and the Prime Minister; Diversify banking services to better serve the State's investment credit and export credit policies, including negotiating loans to these subjects under certain conditions to improve operational quality and gradually reduce state budget compensation towards financial autonomy.

The new point about the management of the Vietnam Development Bank is: The Prime Minister allows VDB to initially operate in accordance with both the State Budget Law and the Law on Credit Institutions; to implement a Board of Members model to manage VDB's operations as a credit institution with 100% State equity (instead of the current Management Board model). Strengthen decentralization for the VDB Board of Members in deciding issues of capital management, assets, mobilization interest rates, investment credit lending interest rates, and export credit of the State; credit risk handling.

According to TN