LIST OF TABLES
Number
board
Table name | Page | |
Table 2.1 | Capital mobilization structure of Vietinbank Tien Son Industrial Park in the period 2017-2019 | 38 |
Table 2.2 | Capital usage structure of Vietinbank Tien Son Industrial Park in the period 2017-2019 | 41 |
Table 2.3 | Income from service activities of Vietinbank Tien Son Industrial Park in the period 2017-2019 | 44 |
Table 2.4 | General performance results of Vietinbank Tien Son Industrial Park in the period 2017-2019 | 49 |
Table 2.5 | Capital mobilization results by deposit types | 50 |
Table 2.6 | Scale of capital mobilization from science and technology deposits on total capital Deposits mobilized at Vietinbank Tien Son Industrial Park in the period 2017 - 2019 | 53 |
Table 2.7 | Results of capital mobilization of KHCN deposits of 06 Vietinbank transaction offices of Tien Son Industrial Park at the end of the year | 53 |
Table 2.8 | Structure of capital mobilization from science and technology deposits classified by form Capital mobilization method at Vietinbank Tien Son Industrial Park in the period of 2017 - 2019 | 54 |
Table 2.9 | Interest rates of some banks in Bac Ninh province | 57 |
Table 2.10 | Cost of mobilizing individual customer deposits at Vietinbank Tien Son Industrial Park in the period 2017 - 2019 | 59 |
Table 2.11 | Some incentives for priority customers of Vietinbank Tien Son Industrial Park in 2019 | 66 |
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![Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
zt2a3ge
zc2o3n4t5e6n7ts
At that time, the Branch had to set aside a provision for credit risks, which reduced the Branchs income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giangs profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project Restructuring the system of credit institutions in the period 2011-2015 approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services.
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giangs products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Ministers Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giangs treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giangs income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giangs corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giangs card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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div.maincontent .s40 { color: black; font-family:Times New Roman, serif; font-style: normal; fo](https://tailieuthamkhao.com/uploads/2022/06/06/dich-vu-phi-tin-dung-tai-ngan-hang-thuong-mai-co-phan-dau-tu-va-phat-8-1-120x90.png)
Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
zt2a3ge
zc2o3n4t5e6n7ts
At that time, the Branch had to set aside a provision for credit risks, which reduced the Branch's income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giang's profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project "Restructuring the system of credit institutions in the period 2011-2015" approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: "Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services".
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giang's products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Minister's Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers' cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giang's treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giang's income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giang's corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giang's card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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Solutions to Improve Capital Mobilization Efficiency at Vietnam Foreign Trade Bank -
Solutions to increase individual customer loyalty at Vietnam Joint Stock Commercial Bank for Industry and Trade by 2018 - 2 -
Capital mobilization management at Northern Branches of Vietnam Prosperity Joint Stock Commercial Bank - 1
LIST OF CHARTS, GRAPHS
Diagram number, chart
Name of diagram, chart | Page | |
Diagram 2.1 | Organizational structure at Vietinbank Tien Son Industrial Park | 34 |
Diagram 2.2 | Deposit services at Vietinbank Tien Son Industrial Park | 47 |
Chart 2.1 | Scale of mobilized capital of Vietinbank Tien Son Industrial Park | 51 |
Chart 2.2 | Structure of capital mobilized from individual customers | 55 |
Chart 2.3 | Growth rate of science and technology capital | 56 |
Chart 2.4 | Cost of mobilizing individual customer deposits at Vietinbank Tien Son Industrial Park | 60 |
1. Urgency of the topic
INTRODUCTION
Capital is always one of the basic input factors in the business operation process of each enterprise. We need to affirm that it is impossible to achieve the general socio-economic goals of the State, as well as the business goals of enterprises in particular, without capital. For commercial banks as an enterprise, an intermediary institution operating in the monetary sector, capital plays a very important role. Commercial banks are the main units providing capital to earn interest. However, to provide enough capital to meet market demand, banks will have to mobilize capital from outside. Therefore, commercial banks pay great attention to the issue of capital mobilization to fully meet their business needs. It can be said that capital mobilization from different sources in society is the most important reason for commercial banks to exist.
Vietnam Joint Stock Commercial Bank for Industry and Trade is one of the earliest banks in Vietnam. In its development orientation, increasing capital mobilization is still the top priority. This is an extremely necessary activity to contribute to improving competitiveness in the context of international integration, and to ensure that it meets the business needs of the Bank. In addition, competition is becoming increasingly fierce, not only in the commercial banking system but also from the increasing participation of non-bank financial institutions. This requires Vietnam Joint Stock Commercial Bank for Industry and Trade to have appropriate capital mobilization solutions to meet the capital needs of the economy.
After more than 14 years of operation, Vietinbank Tien Son Industrial Park is known as one of the prestigious credit institutions with high growth rate in Bac Ninh province. With the experience and qualifications of the Board of Directors and staff of Vietinbank Tien Son Industrial Park, it is a reliable address for businesses when investing in Bac Ninh province. However, in the current market economy, to ensure capital to fully perform the functions of a commercial bank, Vietnam Joint Stock Commercial Bank for Industry and Trade Tien Son Industrial Park branch needs to increase mobilization.
capital, thereby maintaining its position and continuing to develop. In recent years, besides the achievements, the mobilization of individual customer deposits still has some limitations such as: The structure of capital mobilization, mainly from individual customers, is not commensurate with the lending structure, the form of capital mobilization is not diverse, the structure of mobilized capital sources is not reasonable... In particular, individual customer capital is facing many difficulties due to the competition for capital between joint stock commercial banks in the province and city. The economy is currently in crisis, and banking activities are also facing many difficulties. In the face of economic downturn, many businesses have cut staff, many companies have gone bankrupt, and people are reluctant to deposit money in banks due to falling interest rates, which has seriously affected the capital mobilization activities of banks. There were times when many banks fell into a serious shortage of capital to meet urgent needs such as liquidity, mandatory reserve requirements, etc. In addition, the appearance of many foreign-invested banks made the market share more fragmented.
Based on the above issues, the topic: "Mobilizing individual customer deposits at Vietnam Joint Stock Commercial Bank for Industry and Trade - Tien Son Industrial Park Branch" was chosen as the graduation thesis of the course.
2. Overview of research situation
There have been many studies on capital mobilization in general and deposit mobilization for individual customers in particular since 2017. However, some typical research works can be mentioned as follows:
Nguyen Thi Kim Ngan, 2017. Mobilizing capital from individual customers at the Vietnam Bank for Agriculture and Rural Development - Huong Thuy Town Branch, Thua Thien Hue . Master's thesis, National Academy of Finance: The thesis analyzes the situation of mobilizing capital from individual customers at the Vietnam Bank for Agriculture and Rural Development - Huong Thuy Branch, presents the situation of managing capital mobilization from deposits and customer evaluation of products, thereby proposing solutions to increase capital mobilization here.
Chu Thi Hoai Anh, 2017. Mobilizing individual customer deposits at Vietnam Joint Stock Commercial Bank for Industry and Trade - Dong Da Branch . Master's thesis, University of Commerce: The thesis analyzes the current situation of mobilizing individual customer deposits at Vietnam Joint Stock Commercial Bank for Industry and Trade - Dong Da Branch. The thesis has pointed out the difficulties in mobilizing individual customer deposits at the Branch and shows that capital mobilization activities have not achieved high results.
Bui Thi Hien, 2018. Mobilizing capital from individual customers of Vietnam Joint Stock Commercial Bank for Investment and Development - Thanh Xuan Branch . Master's thesis, Academy of Finance: The thesis analyzes the current situation of mobilizing capital from individual customers at Vietnam Joint Stock Commercial Bank for Investment and Development - Thanh Xuan Branch, presents the current situation of capital mobilization and the measures that the bank has implemented to expand the scale of mobilizing capital from individual customers in recent years, thereby proposing solutions to increase capital mobilization.
Ngo Xuan Hoang Lam, 2018. “ Solutions to increase capital mobilization at Vietnam Joint Stock Commercial Bank for Industry and Trade - Tien Son Industrial Park Branch ”. Master's thesis in Economics, Vietnam Academy of Agriculture and Forestry : Based on the analysis of the current capital mobilization situation of Vietnam Joint Stock Commercial Bank for Industry and Trade - Tien Son Industrial Park Branch in the past time, the thesis proposes solutions to increase capital mobilization at Vietnam Joint Stock Commercial Bank for Industry and Trade - Tien Son Industrial Park Branch in the coming time.
Le Tran Duc Tai, 2019. Mobilizing deposits at Vietnam Joint Stock Commercial Bank for Investment and Development - Ha Tay Branch . Master's thesis, University of Commerce: The thesis analyzes the situation of capital mobilization at Vietnam Joint Stock Commercial Bank for Investment - Ha Tay Branch. The thesis has pointed out the current situation of capital mobilization at the Branch and proposed solutions to improve capital mobilization.
Nguyen Thi Hong Vy, 2019. Developing capital mobilization activities for individual customers at Tien Phong Commercial Joint Stock Bank - Hanoi Branch . Master's thesis of University of Commerce: The thesis presents the situation
Mobilizing individual customer deposits at Tien Phong Commercial Joint Stock Bank - Hanoi Branch, thereby providing solutions to develop individual customer deposit mobilization activities here.
The article " Enhancing capital mobilization from customer deposits at Vietnamese commercial banks " by Nguyen Ngoc Tho and Nguyen Ngoc Linh in Banking Magazine was published on December 18, 2019. The article by the two authors pointed out the current situation of capital mobilization from customer deposits at Vietnamese commercial banks, pointed out the achieved results and some remaining limitations, thereby making some recommendations to increase capital mobilization from customer deposits at Vietnamese commercial banks.
The research works mentioned above, there is no research on capital mobilization of individual customer deposits of Vietnam Joint Stock Commercial Bank for Industry and Trade - Tien Son Industrial Park Branch in the period of 2017 - 2019. Therefore, based on the topics and inheriting previous studies on capital mobilization of deposits with individual customers, this topic systematizes the theories on capital mobilization of deposits with individual customers. Assess the current situation of capital mobilization of individual customer deposits of Vietnam Joint Stock Commercial Bank for Industry and Trade - Tien Son Industrial Park Branch in the period from 2017 to 2019, propose solutions to increase capital mobilization of individual customers at the Branch until 2025.
3. Research objectives and tasks
3.1. Research objectives
Based on the analysis of the current situation of mobilizing individual customer deposits at Vietnam Joint Stock Commercial Bank for Industry and Trade - Tien Son Industrial Park Branch in the period of 2017 - 2019, the thesis proposes solutions to increase the mobilization of individual customer deposits at the Branch by 2025.
3.2. Research tasks
- Systematize theoretical basis on capital mobilization from individual customers of commercial banks.
- Evaluate the current situation of mobilizing individual customer deposits of Vietnam Joint Stock Commercial Bank for Industry and Trade - Tien Son Industrial Park Branch in the period of 2017 - 2019, thereby finding out the achieved results, limitations and causes leading to limitations in mobilizing individual customer deposits at Vietnam Joint Stock Commercial Bank for Industry and Trade - Tien Son Industrial Park Branch in this period.
- Proposing solutions to increase capital mobilization of individual customer deposits for Vietnam Joint Stock Commercial Bank for Industry and Trade - Tien Son Industrial Park Branch by 2025.
4. Research objects and scope
4.1. Research subjects
The research object of the thesis is the work of mobilizing individual customer deposits at commercial banks in general and at Vietnam Joint Stock Commercial Bank for Industry and Trade - Tien Son Industrial Park Branch.
4.2. Scope of research
* Scope of content:
The topic focuses on researching and analyzing the current situation of capital mobilization from individual customers of Vietnam Joint Stock Commercial Bank for Industry and Trade - Tien Son Industrial Park Branch through the years 2017, 2018 and 2019.
* Spatial scope:
The research topic was conducted at the Vietnam Joint Stock Commercial Bank for Industry and Trade, Tien Son Industrial Park Branch.
* Time range:
The thesis researches the period from 2017 to 2019, solutions towards 2025.
5. Research methods
5.1. Data collection method
The thesis uses only secondary data:
+ Internal data sources of the bank: Business performance reports and detailed balance sheets from 2017 to 2019; Summary conference reports, annual reports and documents of Vietinbank Tien Son Industrial Park taken from departments
of the Bank.
+ External data sources: reports, magazines, specialized books, theses, published research works, bank websites, related articles...
5.2. Data processing method
The collected data is processed by synthesizing, making statistics, creating tables to calculate, compare and evaluate the current status of capital mobilization activities of individual customers of Vietinbank - Tien Son Industrial Park Branch in the period of 2017-2019.
Data from reports are compared over time over the years in absolute and relative numbers to evaluate the actual situation of capital mobilization activities from individual customers of Vietinbank - Tien Son Industrial Park Branch in the period 2017 - 2019.
6. Thesis structure
In addition to the introduction, conclusion, table of contents, list of tables, diagrams, drawings... the main content of the thesis is structured in 3 chapters:
Chapter 1: Theoretical basis of capital mobilization from individual customer deposits of commercial banks
Chapter 2: Current status of capital mobilization of individual customer deposits at banks
Vietnam Joint Stock Commercial Bank for Industry and Trade - Tien Son Industrial Park Branch.
Chapter 3: Orientation and some solutions to increase capital mobilization of individual customer deposits at Vietnam Joint Stock Commercial Bank for Industry and Trade - Tien Son Industrial Park Branch