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HUE UNIVERSITY UNIVERSITY OF ECONOMICS
FACULTY OF ECONOMICS AND DEVELOPMENT
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UNIVERSITY THESIS
INVESTMENT PROJECT APPRAISAL AT SAIGON THUONG TIN COMMERCIAL JOINT STOCK BANK, HA TINH BRANCH
BEANS
HUE UNIVERSITY UNIVERSITY OF ECONOMICS
FACULTY OF ECONOMICS AND DEVELOPMENT
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UNIVERSITY THESIS ON INVESTMENT PROJECT APPRAISAL AT SAIGON THUONG TIN COMMERCIAL JOINT STOCK BANK
HA TINH BRANCH
Student performance: Instructor:
Dau Thi Suong, Dr. Nguyen Ngoc Chau, Class: K46C-KHĐT
School year: 2012-2016
Thank You
During my internship and thesis completion, as well as completing the course in Planning and Investment, I received attention and enthusiastic help from many individuals and organizations.
First of all, I would like to express my sincere thanks to the Board of Directors and teachers of Hue University of Economics. During the past time, they have been enthusiastic in their guidance, wholeheartedly helping and creating all conditions for students to study and practice.
In particular, I would like to express my deep gratitude to my teacher - Dr. Nguyen Ngoc Chau, who directly taught me, closely followed my research process, always encouraged, reminded me, corrected and gave me enthusiastic comments on my shortcomings to help me complete my thesis.
During my time studying and researching, interning and learning at Sacombank, I have received the attention and support of my family, friends, staff and customers in terms of both time and effort. Once again, please allow me to express my most sincere thanks!
The internship and thesis are over, I have learned many new things about knowledge, work and life, I will try harder to not disappoint the expectations of my family, teachers and friends.
I have tried and made every effort to complete the report well, however, with the knowledge learned at school, within the time and experience allowed, there will inevitably be shortcomings, so I hope to receive sympathy and comments from teachers to make the research paper more complete!
Thanks again!
Students perform:
Dau Thi Suong
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LIST OF ABBREVIATIONS AND SYMBOLS
CBNV: Staff
CBTĐ: Appraisal officer
CN: Branch
DA : Project
DAĐT: Investment project
GCN : Certificate
Board of Directors: Board of Examiners
Transaction Office/Branch Appraisal Council: Bank
SBV: State Bank
Commercial Bank: Commercial Bank
PGD: Transaction office
QSD: Right of use
QSH: Ownership
ROA : Return on assets
ROE : Return on equity
ROS : Return on Sales
TCTD: Credit institution
TD: Credit
TMCP: Joint Stock Commercial
LLC : Limited Liability
TSBĐ: Collateral
Fixed assets: Fixed assets
TSLD : Current assets
TSNH: Short-term assets
Trđ: Million VND
INDEX
TABLE OF CONTENTS ii
PART I: PROBLEM STATEMENT 1
1. Reasons for choosing topic 1
2. Research objective 2
2.1. General objective 2
2.2. Specific objectives 2
3. Research object and scope 2
3.1. Research subject 2
3.2. Scope of research 2
4. Research method 3
4.1 . Data collection method 3
4.2. Data synthesis and processing methods 3
5. Outline of research content 3
PART II: RESEARCH CONTENT AND RESULTS 5
CHAPTER 1: OVERVIEW OF INVESTMENT PROJECT APPRAISAL OF 5
COMMERCIAL BANK 5
1.1. Investment projects and investment project appraisal at Commercial Bank 5
1.1.1. Concept of investment project 5
1.1.2. The role of investment projects 6
1.1.3. Overview of Commercial Banks 6
1.1.3.1. Concept of Commercial Bank 6
1.1.3.2. Commercial Bank Activities 7
- Credit intermediary function 7
- Payment intermediary function 7
- Money creation function 7
1.2. Investment project appraisal activities at commercial banks 7
1.2.1. Concept of investment project appraisal at commercial banks 7
1.2.2. Purpose, role and necessity of investment project appraisal in lending activities of commercial banks 7
1.2.3. Requirements for investment project appraisal at commercial banks 7
1.2.4. Basis for investment project appraisal at commercial banks 8
1.2.5. Investment project appraisal process of commercial banks 8
1.2.6. Contents of investment project appraisal of commercial banks 8
1.2.6.1. Assessment of project objectives and legal aspects 8
1.2.6.2. Market assessment and consumption capacity of project products and services9
1.2.6.3. Assessment of the ability to supply raw materials and input factors...9
1.2.6.4. Appraisal of technological and technical aspects of the project 9
1.2.6.5. Assessment of organizational and management aspects of project implementation 10
1.2.6.6. Financial appraisal of the project 10
1.2.7. Investment project appraisal method of commercial banks 14
1.2.7.1. Sequential appraisal method 14
1.2.7.2. Method of comparative analysis of indicators 15
1.2.7.3. Sensitivity analysis method 16
1.2.7.4. Forecasting method 16
1.2.7.5. Risk Elimination Method 17
1.2.7.6. Method of obtaining expert opinions 17
1.2.8. Quality of investment project appraisal 17
1.2.8.1. Concept of investment project appraisal quality 17
1.2.8.2. Main factors affecting investment project appraisal activities of commercial banks 18
CHAPTER II: CURRENT STATUS OF PROJECT APPRAISAL 24
INVESTMENT AT SAIGON THUONG TIN JOINT STOCK COMMERCIAL BANK 24
HA TINH BRANCH 24
2.1. Overview of Saigon Thuong Tin Commercial Joint Stock Bank - Ha Tinh Branch 24
2.1.1. The process of formation and development of Saigon Thuong Tin Commercial Joint Stock Bank 24
2.1.2. Introduction to Saigon Thuong Tin Commercial Joint Stock Bank – Ha Tinh Branch ..26
2.1.3. Organizational structure of Saigon Thuong Tin Commercial Joint Stock Bank - Ha Tinh branch 26
2.1.3.1. Organizational structure chart of Saigon Thuong Tin Commercial Joint Stock Bank - Ha Tinh branch 27
Diagram 2.1: Organizational structure of Saigon Thuong Tin Commercial Joint Stock Bank - Ha Tinh branch 27
2.1.3.2. Functions of each department 28
Table 2.1.: Human resources of Saigon Thuong Tin Commercial Joint Stock Bank, Ha 30 Branch
2.1.1. Business organization and business results of NH 31
2.1.1.1. Asset and capital situation 31
2.1.1.2. Business performance of Bank 31
Table 2.2. Capital mobilization situation of Saigon Thuong Tin Commercial Joint Stock Bank, Ha Tinh branch in the period 2013-2015 32
Table 2.3: Credit debt situation of Saigon Thuong Tin Commercial Joint Stock Bank, Ha Tinh branch, period 2013-2015 35
Table 2.4: Overdue debt situation of Saigon Thuong Tin Commercial Joint Stock Bank, Ha Tinh branch, period 2013-2015 37
Table 2.5: Card issuance situation of Saigon Thuong Tin Commercial Joint Stock Bank, Ha Tinh branch, period 2013-2015 38
2.2. Current status of investment project appraisal at Sacombank Ha Tinh branch 39
2.2.1. Project appraisal process and content at Saigon Thuong Tin Commercial Joint Stock Bank 39
2.2.1.1. Project appraisal process of Saigon Thuong Tin Commercial Joint Stock Bank39 Diagram 2.2: Flow chart of credit appraisal process of Saigon Thuong Tin Commercial Joint Stock Bank39