Announcement to valued Customers on the implementation of Circular 12/2022/TT-NHNN dated September 30, 2022(08/11/2022 11:21 AM) 12/2022/TT-NHNN providing guidelines for foreign exchange administration in respect of foreign loans and repayment of enterprises on September 30th, 2022 (“Circular 12”). Circular 12 takes effect on November 15, 2022.