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Developing personal lending activities at Vietnam Technological and Commercial Joint Stock Bank - 1

MINISTRY OF EDUCATION AND TRAINING

THANG LONG UNIVERSITY

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Full name: Nguyen Anh Duc


TOPIC:

DEVELOPING PERSONAL LOAN ACTIVITIES AT VIETNAM TECHNOLOGICAL AND COMMERCIAL JOINT STOCK BANK


MASTER'S THESIS

MAJORITY: FINANCE - BANKING


Hanoi - 2015


MINISTRY OF EDUCATION AND TRAINING

THANG LONG UNIVERSITY

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Student name: Nguyen Anh Duc


TOPIC:

DEVELOPING PERSONAL LOAN ACTIVITIES AT VIETNAM TECHNOLOGICAL AND COMMERCIAL JOINT STOCK BANK


MASTER'S THESIS

MAJORITY: FINANCE - BANKING CODE: 60340201


SCIENCE GUIDE

Assoc.Prof.Dr. Tran Dang Kham


Hanoi - 2015


2


INDEX

INTRODUCTION 1

CHAPTER 1: BASIC THEORETICAL ISSUES ON PERSONAL CUSTOMER LOANS OF COMMERCIAL BANKS 4

1.1 Overview of commercial banks 4

1.1.1 Concept and characteristics of commercial banks 4

1.1.1.1 Concept of commercial bank 4

1.1.1.2 Characteristics of commercial banks 5

1.1.2 Basic activities of commercial banks 7

1.1.2.1 Capital mobilization of commercial banks 7

1.1.2.2 Commercial bank lending and capital investment 8

1.1.2.3 Providing other financial services 8

1.2 Personal lending activities of commercial banks 8

1.2.1 Overview of individual customers of commercial banks 8

1.2.1.1 Concept and characteristics of individual customers of commercial banks. 9

1.2.1.2 Classification of individual customers of commercial banks 10

1.2.2 Commercial bank loans to individual customers 12

1.2.2.1 Concept of personal loans of commercial banks 12

1.2.2.2 Commercial banks' lending methods to individual customers

................................................................ ................................................................ .......................... 15

1.1.3 Development of personal customer loans of commercial banks 17

1.1.3.1 Concept of development of personal loans of commercial banks 17

1.1.3.2 Indicators for evaluating the development of personal customer loans of commercial banks 20

1.3 Factors affecting personal lending activities of commercial banks 26

1.3.1 Subjective factors 26

1.3.2 Objective factors 34

CHAPTER 2: CURRENT STATUS OF INDIVIDUAL LOANS OF VIETNAM TECHNOLOGICAL AND COMMERCIAL JOINT STOCK BANK 39

2.1. Overview of Vietnam Technological and Commercial Joint Stock Bank 39

2.1.1. Overview of the development process of Vietnam Technological and Commercial Joint Stock Bank 39

2.1.2. Organizational structure and personnel of Vietnam Technological and Commercial Joint Stock Bank 42

2.1.3. Results of main activities of Vietnam Technological and Commercial Joint Stock Bank 46

2.2. Current status of lending to individual customers of Vietnam Technological and Commercial Joint Stock Bank 53

2.2.1. Current status of lending scale of Vietnam Technological and Commercial Joint Stock Bank 53

2.2.1.1 Growth in personal credit balance 53

2.2.2.2 Number of individual customers 55

2.2.2.3 Personal customer loan ratio 58

2.2.2.4 Market share of personal loans 58

2.2.2. Current status of lending structure of Vietnam Technological and Commercial Joint Stock Bank 59

2.2.3. Current status of lending quality and efficiency of Vietnam Technological and Commercial Joint Stock Bank 66

2.2.3.1 Bad debt 66

2.2.3.2 Income from lending to individual customers 68

2.3. Assessment of the current situation of lending to individual customers of Vietnam Technological and Commercial Joint Stock Bank 69

2.3.1. Result 69

2.3.2. Limitations and causes 69

2.3.2.1. Limitations 69

2.3.2.2. Cause 70

CHAPTER 3: SOLUTIONS TO DEVELOP PERSONAL LOANS AT VIETNAM TECHNOLOGICAL AND COMMERCIAL JOINT STOCK BANK 76

3.1. Development orientation of personal loans of Vietnam Technological and Commercial Joint Stock Bank 76

3.1.1. Development orientation of Vietnam Technological and Commercial Joint Stock Bank 76

3.1.2. Perspectives on developing personal loans of Vietnam Technological and Commercial Joint Stock Bank 78

3.2. Solutions for developing personal customer loans of Vietnam Technological and Commercial Joint Stock Bank 80

3.2.1 Solution for developing distribution channels 80

3.2.2 Product development solutions 81

3.2.3 Solutions to improve credit quality 84

3.2.4 Technology infrastructure solutions 85

3.2.5 Human resource development solutions 88

3.2.6 Solutions to enhance marketing activities 89

3.2.7. Customer expansion solution 89

3.3. Recommendation 93

3.3.1 Recommendations to the State Bank 93

3.3.2 For the Government 94

CONCLUSION 97

LIST OF REFERENCES 99


LIST OF TABLES AND FIGURES


Diagram

Diagram 2.1: Techcombank's organizational model 43

Chart

Chart 2.1: Techcombank's business performance over the years 47

Chart 2.2: Current status of Techcombank's customer loans 50

Chart 2.3: Techcombank's capital mobilization status 52

Chart 2.4: Current status of outstanding loans to individual customers of Techcombank 53 Chart 2.5: Chart of number of individual customers at Techcombank 56

Chart 2.6: Techcombank's TDCN income 68

Board

Table 2.1: Techcombank's personal customer loan ratio 58

Table 2.2: Techcombank's market share of personal loans 59

Table 2.3: Structure of loans for science and technology by product of Techcombank 60

Table 2.4: Bad debt in Techcombank's personal customer loans 66

Table 2.5: Income from personal credit in the period 2012 - 2014 68


LIST OF ABBREVIATIONS


Bank

Commercial Bank Commercial Bank

Joint Stock Commercial Bank

Joint Stock Commercial Bank Joint Stock Commercial Bank

Techcombank Vietnam Technological and Commercial Joint Stock Bank

SBV DVTDCN DVNH NHBL DN

NN SBV KH CBNV TSBĐ VCSH TDCN

State Bank Personal credit services Banking services Retail banking

State-owned enterprise

State Bank Customer

Staff Collateral Equity Personal Credit

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