Clean-up makes Vietnam banks attractive to foreign investorsSince last year there has been a churn in the banking sector with some foreign investors selling their stakes in local banks and others buying in. Analysts said foreign banks are merely pulling out to invest in more profitable markets. In December Ho Chi Minh Development Joint Stock Commercial Bank (HDBank) had sold stakes to more than 76 foreign investors before listing. The Government is making policy changes that would help the industry overcome its limitations in technology, capital and management, making foreign investors feel secure. Foreign investors want the ratio to be increased to 50 per cent or even 65 per cent.