The State Bank of Vietnam kept the daily reference exchange rate for December 20 unchanged from the previous day at 22,785 VND per USD. With the current trading band of +/- 3 percent, the ceiling rate applied to commercial banks for the day is 23,467 VND/USD and the floor rate is 22,103 VND/USD. The transaction office of the State Bank of Vietnam also maintained the buying rate at 22,700 VND/USD, the same as on December 19 and reduced the selling rate by 2 VND to 23,419 VND/USD. The opening hour rates listed at commercial banks saw light reductions compared to December 19. Vietcombank cut 5 VND from both rates, listing the buying rate at 23,265 VND/USD and the selling rate at 23,355 VND/USD. Both rates at Techcombank also dropped by 5 VND to 23,245 VND/USD (buying) and 23,355 VND/USD (selling). The rates listed by BIDV went down by 5 VND to 23,270 VND/USD (buying) and 23,360 VND/USD (selling).-VNA