Abstract

One of the new points of the Law on Credit Institutions 2024 is adjusting the limit on share ownership in commercial banks. The Law on Credit Institutions 2024 has stricter regulations on share ownership ratios. Accordingly, an individual shareholder is not allowed to own shares exceeding 05% of the charter capital of a credit institution; An institutional shareholder may not own shares exceeding 10% of the charter capital of a credit institution. Thus, the share ownership ratio compared to Article 55 of the Law on Credit Institutions in 2010 has had many changes: the ownership ratio of institutional shareholders decreased from 15% to 10%; shareholders and related persons reduced from 20% to 15%. Maintain the 5% ratio for individual shareholders. As for foreign investors, the above provisions will not apply but will follow the government's regulations. Using analytical methods, the article determines the meaning of changes in the share ownership ratio in commercial banks and provides some comments and recommendations.