Developing banking services at Nam Viet Commercial Joint Stock Bank

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Developing banking services at Nam Viet Commercial Joint Stock Bank - 1

Developing banking services at Nam Viet Commercial Joint Stock Bank - 1

MINISTRY OF EDUCATION AND TRAINING UNIVERSITY OF ECONOMIC HO CHI MINH CITY TRUONG THI HOA DEVELOPMENT OF BANKING SERVICES AT NAM VIET COMMERCIAL JOINT STOCK BANK Specialization: Finance – Banking Code: 60340201 MASTER THESIS OF ECONOMY SCIENCE INSTRUCTOR: Assoc. Prof. Dr. TRAN HOANG NGAN Ho Chi ...

Developing banking services at Nam Viet Commercial Joint Stock Bank - 2

Developing banking services at Nam Viet Commercial Joint Stock Bank - 2

CHAPTER 1: GENERAL ISSUES ABOUT BANKING AND BANKING SERVICES 1.1 Overview of commercial banks 1.1.1 Concept of commercial banks At present, there are some concepts of commercial banks as follows: According to the Law on Credit Institutions passed by the Xth National Assembly on December 12, 1997, ...

Developing banking services at Nam Viet Commercial Joint Stock Bank - 3

Developing banking services at Nam Viet Commercial Joint Stock Bank - 3

Bank guarantee: is a form of credit extension, whereby the credit institution commits to the guarantee recipient that the credit institution will perform the financial obligation on behalf of the customer when the customer fails to perform or does not fully perform the obligation. committed ...

Developing banking services at Nam Viet Commercial Joint Stock Bank - 4

Developing banking services at Nam Viet Commercial Joint Stock Bank - 4

In addition, there are other factors that also affect the development of banking services such as marketing and customer care activities, strategic orientations and policies of the bank, operating network of the bank… 1.6 Experience of international banks in developing banking services and ...

Developing banking services at Nam Viet Commercial Joint Stock Bank - 5

Developing banking services at Nam Viet Commercial Joint Stock Bank - 5

The average total assets of Navibank in 2012 reached VND 22,337 billion (an increase of VND 66 billion compared to 2011), the ratio of pre-tax profit to total assets on average was 0.02%. Table 2.2: Profit margin Number Targets 2009 2010 2011 2012 1 Profit before tax/average total assets 1,06% ...

Developing banking services at Nam Viet Commercial Joint Stock Bank - 6

Developing banking services at Nam Viet Commercial Joint Stock Bank - 6

2.3.2 Credit banking services: For corporate customers: Navibank provides lending services Very diverse with the following types: – Loan to supplement working capital – Financing the import of goods and raw materials – Financing the production and processing of export goods – Loans to ...

Developing banking services at Nam Viet Commercial Joint Stock Bank - 7

Developing banking services at Nam Viet Commercial Joint Stock Bank - 7

Navibank  is one of nine banks forced to restructure at the request of the State Bank. 2.5 Main causes of the above problems 2.5.1 Objective reasons State management agencies have paid attention to review, amend and promulgate a number of new regulations related to ensuring operational safety of ...

Developing banking services at Nam Viet Commercial Joint Stock Bank - 8

Developing banking services at Nam Viet Commercial Joint Stock Bank - 8

The most surveyed sample is long-term customers (over 3 years of using Navibank services, accounting for 36.7%). And customers are relatively satisfied with Navibank’s banking services, so 63.9% of respondents are willing to recommend Navibank services to others and will continue to transact ...

Developing banking services at Nam Viet Commercial Joint Stock Bank - 9

Developing banking services at Nam Viet Commercial Joint Stock Bank - 9

The results of ANOVA analysis with significance level 0.993 > 0.05, so the hypothesis H0 “Equal mean” is accepted. Observational data are not qualified to confirm that there is a difference in satisfaction between Female and Male (Appendix 5.1). Analysis of differences by age This test shows ...

Developing banking services at Nam Viet Commercial Joint Stock Bank - 10

Developing banking services at Nam Viet Commercial Joint Stock Bank - 10

Diversifying credit products, adjusting lending interest rates competitively, valuing collateral in line with market prices, streamlining loan procedures. Credit granting is associated with the use of banking services and facilities. Credit products are placed in close relationship with other ...

Developing banking services at Nam Viet Commercial Joint Stock Bank - 11

Developing banking services at Nam Viet Commercial Joint Stock Bank - 11

The Banking Policy and Development Department should organize an annual customer survey to improve and increase service utilities, to meet the needs of customers, and to ensure service prices. is most suitable for customers. Periodically, it is recommended to re-evaluate the business efficiency of ...

Developing banking services at Nam Viet Commercial Joint Stock Bank - 12

Developing banking services at Nam Viet Commercial Joint Stock Bank - 12

The effective development of banking services is also the foundation for Navibank’s sustainable development in the future. CONCLUDE In the context of increasingly fierce competition, each bank must make comprehensive efforts in all its activities to survive and develop, in which the development ...

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