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Increasing capital mobilization from individual customers of commercial banks - Case study of Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch - 1


THAI NGUYEN UNIVERSITY

UNIVERSITY OF ECONOMICS AND BUSINESS ADMINISTRATION


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Increasing capital mobilization from individual customers of commercial banks - Case study of Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch - 1

DO VAN DUNG


CAPITAL MOBILIZATION FROM INDIVIDUAL CUSTOMERS OF COMMERCIAL BANKS. CASE STUDY

JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM, PHU THO BRANCH


MASTER'S THESIS WITH APPLICATION ORIENTATION

MAJOR: ECONOMIC MANAGEMENT


THAI NGUYEN - 2017


THAI NGUYEN UNIVERSITY

UNIVERSITY OF ECONOMICS AND BUSINESS ADMINISTRATION


DO VAN DUNG


ENHANCE CAPITAL MOBILIZATION FROM INDIVIDUAL CUSTOMERS OF COMMERCIAL BANKS. CASE STUDY OF JOINT STOCK COMMERCIAL INVESTMENT BANK

AND DEVELOPMENT VIETNAM, PHU THO BRANCH


Major: Economic Management Code: 60.34.04.10


MASTER'S THESIS WITH APPLICATION ORIENTATION


Scientific supervisor: Associate Professor, Dr. Do Thi Bac


THAI NGUYEN - 2017


COMMITMENT


I hereby declare that this is my own research work. The data, information and research results in the thesis are true and have not been used to defend any thesis. All assistance in the implementation of this thesis has been acknowledged and the information cited in the thesis has been clearly cited.

Thai Nguyen, June 2017

Thesis author


Do Van Dung


ACKNOWLEDGEMENTS


During the implementation of the topic: “Enhancing capital mobilization from individual customers of commercial banks. Case study of Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch” , I received guidance, help and encouragement from many individuals and groups. I would like to express my deepest gratitude to all individuals and groups who have created conditions to help me in my study and research.

I would like to sincerely thank the Board of Directors, Training Department, faculties,

Room of University of Economics and Business Administration - Dai

study

Thai

Nguyen has created favorable conditions to help me in all aspects during the process of studying and completing this thesis.

I would like to sincerely thank the enthusiastic help of my supervisor, Associate Professor, Dr. Do Thi Bac.

I would like to thank the help and valuable comments of the experts.

Science, teachers in Thai Nguyen University of Business and Technology.

study

Economics and Business Administration

During the process of implementing the topic, I also received help and collaboration from comrades at the research sites. I would like to sincerely thank my friends, colleagues and family for creating all conditions for me to complete this research.

I would like to express my deep gratitude for all that valuable help.

Thai Nguyen, June 2017

Thesis author


Do Van Dung


INDEX

COMMITMENT i

ACKNOWLEDGEMENTS ii

TABLE OF CONTENTS iii

LIST OF TABLES viii

LIST OF FIGURES ix

INTRODUCTION 1

1. Urgency of topic 1

2. Research objective 3

3. Research object and scope 3

4. Scientific and practical significance of topic 4

5. Thesis structure 4

Chapter 1 THEORETICAL AND PRACTICAL BASIS OF CAPITAL MOBILIZATION FROM INDIVIDUAL CUSTOMERS AT COMMERCIAL BANKS 5

1.1. Theoretical basis for capital mobilization from individual customers of commercial banks 5

1.1.1.Overview of commercial banks 5

1.1.2. Capital mobilization activities of commercial banks 7

1.1.3. Capital mobilization from individual customers of commercial banks 12

1.1.4. Content of capital mobilization from individual customers of commercial banks ..15

1.1.5. Factors affecting capital mobilization from individual customers of commercial banks 19

1.2. Experience in increasing capital mobilization from individual customers at Vietnamese commercial banks 22

1.2.1. Experience of Vietnam Technological and Commercial Joint Stock Bank (Techcombank) 22

1.2.2. Experience of Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank) 23

1.2.3. Lessons learned on increasing capital mobilization from individual customers for Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch...24 Chapter 2 RESEARCH METHODOLOGY 26

2.1. Research questions 26

2.2. Research methods 26

2.2.1. Selecting a research site 26

2.2.2. Information collection 26

2.2.3. Methods of information synthesis and processing 28

2.2.4. Information analysis method 28

2.3. Research indicator system 29

2.3.1. Quantitative indicators 29

2.3.2. Qualitative indicator groups 31

Chapter 3 CURRENT STATUS OF CAPITAL MOBILIZATION FROM INDIVIDUAL CUSTOMERS AT VIETNAM JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT, PHU THO BRANCH 33

3.1. Introduction to Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch 33

3.1.1. History of establishment and development of Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho branch 33

3.1.2. Organizational structure of Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch 35

3.1.3. Business performance of Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho branch 39

3.2. Current status of capital mobilization from individual customers at Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch 43

3.2.1. Current status of capital mobilization for savings deposit product group 44

3.2.2. Current status of capital mobilization for payment deposit products of Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho branch 52

3.2.3. Current status of capital mobilization from residents through debt of BIDV Phu Tho 56

3.2.4. Scale and growth rate of capital mobilization from the population of Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho branch 58

3.2.5. Customer reviews on capital mobilization issues of BIDV Phu Tho Branch 59

3.3. Factors affecting capital mobilization from individual customers at Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch 64

3.3.1. Internal factors of the bank 64

3.2.2. Factors outside the bank 67

3.4. General assessment of capital mobilization from individual customers at Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch 71

3.4.1. Achievements 71

3.4.2. Limitations 72

3.4.3. Cause 74

Chapter 4. SOME SOLUTIONS TO INCREASE CAPITAL MOBILIZATION FROM INDIVIDUAL CUSTOMERS AT VIETNAM JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT, PHU THO BRANCH 77

4.1. Viewpoints, orientations, and goals of increasing capital mobilization from individual customers at Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch 77

4.1.1. Viewpoints on increasing capital mobilization from individual customers at Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch 77

4.1.2. Orientation to increase capital mobilization from individual customers at Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch 78

4.1.3. Objectives for capital mobilization from individual customers 79

4.2. Solution to increase capital mobilization from individual customers at Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch 80

4.2.1. Building a flexible interest rate policy at Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch 80

4.2.2. Diversifying forms of mobilization at Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch 81

4.2.3. Promote Marketing and advertising activities at Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch 85

4.2.4. Perfecting policies on communication and customer care at Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho 88 Branch

4.2.5. Improving the quality of human resources at Vietnam Joint Stock Commercial Bank for Investment and Development, Phu Tho Branch 90

4.2.6. Continuously improve banking technology utilities 94

4.2.7. Focus on risk management and internal control 95

4.3. Some recommendations 96

4.3.1. Recommendations to the State Bank 97

4.3.2. Recommendations to BIDV Vietnam 98

CONCLUSION 101

REFERENCES 103

APPENDIX 105

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