The organizational and operational regulations of VDB are in accordance with the Decision No. 1515/QD-TTg dated September 3rd 2015 by the Prime Minister.

Financial mechanism of VDB is executed in accordance with the Decision No.44/2007/QĐ-TTg dated March 30th by the Prime Minister. The Vietnam Development Bank is recognized as legal entity with chartered capital, balance sheet, seal and account opened in the state bank of Vietnam, the state treasury, domestic and abroad commercial banks. In addition, it is allowed to participate in the inter-bank payment system and provide  payment services as regulated by the law. The Development Bank inherits all the rights and obligations of the Development Assistance Fund.

The operation of VDB is not profit oriented  purposes; its compulsory reserve ratio is 0% (Zero percent); it should not be required for deposit insurance; it is guaranteed solvency by the Government, free of tax and payments to the state budget for development credit activities. VDB has inherited all the rights and obligations from DAF.

The chartered capital of the Vietnam Development Bank, at establishment , was 5,000 billion dong and now increases to 30,000 billion dong.

*Fund mobilization

. Issue bonds guaranteed by the Government in accordance of law provisions;

. Issue bonds, promissory notes, certificates of deposit, valuable papers in VND in accordance of law provisions;

. Borrow from Vietnam Social Insurance, domestic and foreign financial and credit institutions in accordance of law provisions;

. Have access to loan allocation from the State Bank of Vietnam in accordance of law provisions and of the guidance of the State Bank of Vietnam;

. Take deposits entrusted by domestic and foreign organizations;

. Mobilize other capital sources in accordance with provision of laws

* Credit activities:

. Provide loans under the State’s credit policies; provide loans to programs and projects assigned by the Government or the Prime Minister;

. Provide credit guarantees for SME to apply for loans from commercial banks according to the Prime Minister’s regulations;

. On-lend from foreign loan capital of the Government;

. Provide short-term loans under the Decision of the Prime Minister in the principle that the State budget shall not cover the interest difference.

* Entrustment and receiving entrust:

. To be entrusted to mobilize capital and to provide loans in accordance of law provisions;

. To be entrusted to manage credit guarantee funds for SME and local financial funds according to the local development objectives;

. Entrust credit institutions to perform certain VDB's activities according to the provisions of law;

. Entrust or to be entrusted to provide financial and banking services to clients according to the provisions of law.

* Participate in the interbank market; implement inter-payment; provide payment services, foreign exchange services and other banking services to customers; implement foreign exchange activities; participate in the domestic and international payment systems according to the provisions of laws and to the guidance of the State Bank of Vietnam.

* Perform other tasks assigned by the Government or the Prime Minister.