REPORT ASSIGNMENT MANAGING SCHOOL SUBJECTS project title ENVIRONMENTAL ANALYSIS OF SACOMBANK AND MANAGER

THE UNIVERSITY OF DA NANG UNIVERSITY OF ECONOMICS Faculty of finance  REPORT ASSIGNMENT MANAGING SCHOOL SUBJECTS Project title ENVIRONMENTAL ANALYSIS OF SACOMBANK AND MANAGER NGUYEN DUC THACH DIEM Group’s name : 07 Class : 46K15.1 Advisor : Hoang Ha Da Nang, 06/2021 THE UNIVERSITY OF DA NANG UNIVERSITY OF ECONOMICS Faculty of finance  REPORT ASSIGNMENT MANAGING SCHOOL SUBJECTS Project title ENVIRONMENTAL ANALYSIS OF SACOMBANK AND MANAGER NGUYEN DUC THACH DIEM Group’s name : 07 Members Lam Ba Dat (Leader) Le Cong Tuan Vu Le Anh Don Nguyen Nhat Minh Nguyen Duc Tu Da Nang, 06/2021 REPORT ASSIGNMENT i TABLE OF CONTENTS PART ENVIRONMENTAL ANALYSIS OF SACOMBANK AND ORGANIZATIONAL 1.1 INTRODUCE SACOMBANK .4 1.1.1 The process of formation and development 1.1.2.1 Establishment background 1.1.2.2 Development journey .5 1.1.2 Development orientation 1.1.2.1 Vision .8 1.1.2.2 Missions 1.1.2.3 Core values .10 1.1.3 Organizational structure 10 1.2 ENVIRONMENTAL ANALYSIS .13 1.2.1 External environment 13 1.2.2.1 General environment 13 1.2.2.2 Task environment 22 1.2.2 Internal environment .27 1.2.2.1 Concept of the corporate culture 27 1.2.2.2 Corporate culture models at Sacombank 27 PART ABOUT MANAGER NGUYEN DUC THACH DIEM .35 2.1 CEO NGUYEN DUC THACH DIEM 35 2.1.1 Working process at Sacombank 36 2.1.2 The journey to bring Sacombank back to position 37 2.1.2.1 Bank restructuring 37 2.1.2.2 Strong and decisive leadership style .38 2.1.2.3 Stimulating the spirit of the corporate culture 40 2.1.2.4 Keep writing the journey of credibility to continue to rise 41 2.1.3 Perspective at work .41 2.1.4 Individual awards 42 2.2 WORKING ANALYSIS AT SACOMBANK 42 2.2.1 Role in leading the bank in the right direction 42 GROUP’S NAME: 07 ADVISOR: HOÀNG HÀ REPORT ASSIGNMENT ii 2.2.2.1 Restructuring, re-arranging personnel, increasing productivity 44 2.2.2.2 Financial transparency, handling outstanding assets .45 2.2.2.3 Digital technical development 45 2.2.2.4 Breakthrough in communication and brand 46 2.2.2 Perspective in planning and strategy .46 2.2.3 Implementation plans 47 2.2.2.1 Strategic plans 47 2.2.2.2 Operational plans 47 2.2.4 General view 48 2.2.2.1 The role of people in business 48 2.2.2.2 Recruiting and employing employees .49 2.2.2.3 About the issues of personnel leaving to be the leader 49 2.2.2.4 Develop the next team 50 GROUP’S NAME: 07 ADVISOR: HOÀNG HÀ REPORT ASSIGNMENT iii THANK YOU First of all, Group would like to express our sincere thanks to Mr Hoang Ha - Lecturer in Managing school subjects This group assignment is an opportunity for students in group as well as all students in class 46K15.1 to have the opportunity to apply the management knowledge learned in class to practice in a specific environment – the corporate environment About the report of group – Environmental analysis of Sai Gon Thuong Tin Commercial Joint Stock Bank and manager Nguyen Duc Thach Diem The report was made within month This is the result of the finding out, research and analysis process of the team members The content of the report cannot avoid mistakes, hoping you will overlook and give feedback to Group on the shortcomings in both content and form Any suggestions from the teacher are experiences and lessons so that each student in group can better projects in the future Finally, we would like to wish Mr Ha good health, success in work, career and happiness Group – Class 46K15.1 would like to thank you ! GROUP’S NAME: 07 ADVISOR: HOÀNG HÀ REPORT ASSIGNMENT iv LIST OF ACRONYMS English: ATM: Automatic Teller Machine CEO: Chief Executive Officer COD: Cash On Delivery CRM: Customer Relationship Management EMV: Europay, Mastercard and Visa eKYC: Electronic Know Your Customer FDI: Foreign Direct Investment FTA: Free trade agreement HoSE: Hochiminh Stock Exchange KPI: Key Performance Indicator NFC: Near-Field Communications QR: Quick response RPA: Robotic Process Automation Sacombank: Sai Gon Thuong Tin Commercial Joint Stock Bank Vietcombank: Joint Stock Commercial Bank for Foreign Trade of Vietnam VietinBank: VietNam Joint Stock Commercial Bank for Industry and Trade GROUP’S NAME: 07 ADVISOR: HOÀNG HÀ REPORT ASSIGNMENT v IMAGE CATALOG Figure 1-1 Administration model 11 Figure 1-2 Managerial structure 12 Figure 1-3 Old logo of Sacombank .28 Figure 1-4 The symbol of the current logo 29 Figure 2-1 CEO Nguyen Duc Thach Diem 35 GROUP’S NAME: 07 ADVISOR: HOÀNG HÀ REPORT ASSIGNMENT I INTRODUCTION  Reasons for choosing the project Sacombank is an enterprise operating in the field of finance and banking The Bank's activities provide financial services such as capital mobilization, lending; international payment, import and export financing; payment of remittances, foreign currency trading, Currently, the Corporate Finance major pertain to the Faculty of Finance, the Finance - Banking major of the University of Economics - Da Nang University provides students with general knowledge, while building a foundation specialized skills and knowledge, in-depth training in understanding and enhancing the ability to apply theoretical knowledge in the business environment Create opportunities to help students can work in the company's financial departments or become employees in banks after graduating The project "Environmental analysis of Sacombank and manager Nguyen Duc Thach Diem" was carried out by students majoring in corporate finance - group of class 46K15.1 is the first step for students to approach and understand applying learned knowledge to a bank, specifically Sacombank Despite focusing on the two most important aspects: environment and manager However, through the process of finding out and researching to complete the report; students can access information, knowledge and terminology related to their major Know the skills of analyzing the effects of environmental factors on a bank At the same time, approach and familiarize with the tasks that we can later, such as reading and analyzing financial statements, preparing reports and analyzing reports of competitors When researching about the manager and her work at the bank, students have an objective view of how to run the company, how she implements strategies to elevate the business What is more important is seeing the vision and working style and management, leading the company GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT So there is a connection between the project and corporate finance major that students in group are studying That is why the group chose this project  Objectives - General objectives: To analyze the organizational environment of Sacombank and manager Nguyen Duc Thach Diem - Specific objectives: To introduce Bank, analyze the impact of internal and external environmental factors on Bank, introduce manager and analyze her works at Sacombank  Objects and scope of research - Objects: To conduct research on Sacombank and the impact of environmental factors on the Bank - Scope of research: + Space: The whole system of Saigon Thuong Tin Commercial Joint Stock Bank and manager Nguyen Duc Thach Diem + Time: From the Bank's establishment to the present Analyze the manager's work mainly during the time she worked at the bank + Scopes: Bank and person  Research methodology Research methodologies used in the project: - Main methodologies: + Qualitative methodology: express personal opinions based on actual experiences, real phenomena, + Documentary research methodology: analyze, gather theories,… + Informational collection methodology: read the documents,… - Other methodologies: classification and systematization of theories GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT 2.1.2.4 41 Keep writing the journey of credibility to continue to rise "Every journey originates from the first steps Once the trust is complete, the legs will steadily accelerate" – that is the message that Sacombank CEO gave to all employees at the 28th anniversary of the bank's establishment at the end of December 2019 Because Ms Diem believes that, over nearly 30 years of establishment and development, along with the ups and downs, Sacombank people have always maintained the spirit of pioneering and this is the time to continue to become a modern, dynamic and prestigious bank Reviewing the achievements of years of restructuring and recovery, Sacombank has increased business efficiency, scale development and market share; drastically handle bad debts; improved of financial indicators; become a reliable partner with many domestic and foreign financial institutions and companies The result is that thanks to the banks always choose personnel as the core to strengthen the internal forces and choose customers as the focus to accelerate the development And today's achievements, according to sacombank's chief executive, are evidence of the trust and companion of customers, partners and shareholders throughout the journey Sacombank's CEO has the basis to be proud of his staff and believes that in the coming years, with strong will and determination, the banking team will continue to promote the spirit of youth to breakthrough thinking together and raise values 2.1.3 Perspective at work Sharing in a recent meeting with the Evaluation Team of the Red Star Award - the typical young Vietnamese entrepreneur of 2019, she said: "I define myself as a professional employee, which means what is best for Sacombank shareholders, thousands of officers and employees, I will it” Those are the words that the CEO wants to affirm about the concept at work After more than 17 years of working at Sacombank from the position of an accountant, coming up from the persistent efforts Determining yourself to GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT 42 constantly learn and practice Experiencing many challenges at work, Ms Diem has cultivated herself to become a strong person and not easily subdued by any problem Despite holding a leading position in the Bank, she still frankly affirmed that nearly 19,000 employees are building Sacombank into a bank that does not depend on one boss or a group of people 2.1.4 Individual awards During her sticking career with Sacombank, she has brought to herself a series of large and small awards from domestic to international Outstanding in 2020, Sacombank's General Director has excellently won the "Asia Pacific Enterprise Awards 2020" For her, this is the result of a long and dedicated research process As the Bank's CEO, she and her associates led the bank to step by step overcome challenges, restructure the Bank on the right path, achieve positive growth and adapt to the development trend of the market Before that, in 2019 She was honored to become one of the 10 best individuals nationwide to be honored as: "Vietnam Red Star 2019" (Top 10 Typical Vietnamese Entrepreneurs 2019) The award is voted by the Central Vietnam Young Entrepreneurs Association based on the evaluation of all aspects of business activities and the leading role of leaders through vision, operating style and essential contributions for the sustainable development of businesses as well as for the community 2.2 WORKING ANALYSIS AT SACOMBANK 2.2.1 Role in leading the bank in the right direction It has been years since taking the position of General Director of Saigon Thuong Tin Commercial Joint Stock Bank, female CEO of Sacombank – Nguyen Duc Thach Diem has brought the bank out of difficulties and regained its inherent position This positive change is the result of a comprehensive process of managing and operating employees, building internal cultural relationships Above all, Ms GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT 43 Diem has well and accurately implemented the business philosophy, mission and values of the Bank Although she is not the one to build the framework of the Bank's business philosophy, missions and values, since she took the position of General Director of Sacombank, those frameworks have been applied and developed by her parallel with the process of restructuring the Bank and solving other problems Specifically, Ms Diem always takes the Bank's core values and missions as a premise: - Optimizing all-inclusive, modern and multi-utility financial solutions for customers - Maximizing added value for partners, investors and shareholders - Bringing career values and prosperity to employees - Accompanying the common development of the social community For partners, investors and shareholders request to divide dividends because they realize that the value of STB's shares does not increase dramatically and significantly like other banks Sacombank has not yet been able to pay dividends because it has to wait for the State Bank to approve As soon as it is approved by the State Bank, Sacombank will pay dividends The goal of satisfying customers and maximizing added value for partners, investors and shareholders is always a priority, digital technology solutions are proof that the Bank has implemented to optimize financial solutions, modern and convenient Regarding the staff system, she is one of the people holding the most important position of the Bank In order to satisfy the human resource system, Sacombank's General Director advocates regularly organizing training sessions and improving the quality of human resources as well as being able to find highly qualified individuals to attend higher positions GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT 44 With the community, Ms Diem organizes volunteer activities and community support projects From January 18, 2021 to January 2, 2021, Sacombank successfully organized the 18th "Spring love" project, visited and donated necessities to the Thanh Loc 's Center for Nurturing and Sponsoring polio people Besides this program, the Bank also implements many other activities such as blood donation "Sharing from the heart", Scholarship "Incubating dreams", With a customer-centric business philosophy, Ms Diem determined that all products and services provided by the Bank must be perfected in the direction of customer satisfaction In order for customers to trust the Bank's products and services, Sacombank must build a high reputation foundation To solve this problem, she implemented the following four solutions: - Restructuring the organization, rearranging all personnel, improving labor productivity, enhancing connectivity - Financial transparency, handling of outstanding assets - Digital technology development - Breakthrough in communication and brand 2.2.1.1 productivity Restructuring, re-arranging personnel, increasing Over years of leading Sacombank, Ms Diem has successfully restructured the Bank, fulfilling the goal of restructuring the Bank after the merger The human resource system is her top focus with welfare policies to retain and attract new employees Training staff to increase professional skills and knowledge to become elite factors contributing to the overall development of the Bank The cultural environment has always been emphasized by her for all Sacombank employees A comprehensive cooperation environment, going from the heart, working together, growing together and strengthening connections GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT 2.2.1.2 45 Financial transparency, handling outstanding assets The serious case during the time when Sacombank merged with Phuong Nam Bank related to Tram Be (Vice Chairman of Sacombank's Board of Directors at that time) directly caused serious loss to the financial foundation of the Banks, high levels of bad debt, and non-transparent financial statements have discredited investors and customers The post-scandal still existed at the time when Mrs Diem came to power She, along with Chairman of the Board of Directors Duong Cong Minh and the entire staff of the Bank together overcome the consequences, the annual reports are transparent and clear, the outstanding assets are thoroughly resolved Sacombank's prestige begins to return 2.2.1.3 Digital technical development When taking over the management of the Bank, the female CEO affirmed that Sacombank had carried out the goal of digital transformation many years ago Many new digitization systems have been pioneered by the Bank This is a favorable condition and foundation for her to come up with strategies to upgrade, innovate and develop digital technology in the business system In 2017, Sacombank issued the first contactless payment card in the market and deployed the global EMV standard QR payment method; launched financial management application Sacombank Pay on smartphones in 2018 With the existing foundation, Ms Diem and a team of professional staff quickly digitized old forms and procedures with many disadvantages, consuming time and causing difficulties for users In 2018, the application of cloud computing, creating a more modern and easier working environment, is evidenced by the Bank's complete digitization of sales, customer service and marketing (CRM) processes Besides, it also deploys artificial intelligence and robotics technology In 2019 successfully upgraded the bank with core T24-R17 In particular, in 2020, Saigon Thuong Tin Joint Stock Commercial Bank is the only bank to successfully convert the form of holding the general meeting of GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT 46 shareholders from the traditional method to the online method and voting electronic Also in this year, the goal of building and operating the Cybersecurity Operations Center according to international standards was initially successful Sacombank has done and succeeded, compared to other banks in Vietnam, this center has not come into operation properly 2.2.1.4 Breakthrough in communication and brand Digital banking has been prioritized for development by Sacombank since early However, the Bank has not communicated much Therefore, the Bank has cooperated with many famous people such as actors and singers to advertise digital banking services and communicate for the Bank In the context of the ongoing Covid-19 pandemic, banks, including Sacombank, have participated in sponsoring the National Vaccine Fund This is both an activity for the community and at the same time will enhance the Bank's position and bring the brand closer to the customer system 2.2.2 Perspective in planning and strategy Herself sits at the position of General Director of a large non-state-owned bank herself As a senior manager, Ms Diem plays a key role in planning and strategy to bring Sacombank to comprehensive development Since taking office, Ms Diem has relied on the established business philosophies, mission and core values of the Bank as a springboard for the Bank's development activities She identifies planning as the foundation of the Bank's development Specifically, Ms Diem has developed clear planning strategies based on: - Take the business philosophy, mission and core values as the root - Analysis of external environmental factors - Establish a stable internal culture system and comprehensive cooperation GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT 2.2.3 47 Identify challenges and opportunities from the environment Implementation plans 2.2.3.1 Strategic plans Realize the importance of the technological factor in the banking sector At Sacombank, more than years ago, Ms Diem implemented operational processes at the Bank, transactions and other activities associated with technology It is required to add a technology platform to increase competitiveness in the context of the current technology era, both helping the Bank to race and keep up with the trend, while providing the best experience, minimizing customer time when using services at Sacombank Specifically, Sacombank implemented related diversification by starting the business of products and services with technological elements related to existing products and services at the Bank - In 2018, launching Sacombank – Pay, a smart financial application with a modern and friendly user experience; application of leading payment technologies and tradable on a global scale - In 2019, successfully upgraded core - banking based on modern technology; help quickly provide products and services on digital channels - In 2020, successfully deploying LOS solution, helping to digitize and automate the credit appraisal and approval process Also in this year, develop a roadmap and strategy for digital transformation to make Sacombank become the leading digital bank in Vietnam The plan to diversify the product and service experience process with effective support from technology tools has given Sacombank an outstanding advantage and competes with state-owned banks and foreign-invested banks 2.2.3.2 Operational plans As the General Director of Sacombank, Ms Diem has directly drafted and enacted standing plans such as procedures and rules; single-use plans such as GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT 48 organizing programs and projects At the same time, in many cases, she delegated authority to subordinates Ms Diem regularly organizes many programs and projects and has achieved many successes She organizes the annual program "Sacombank Health" which both increases the connection between staff and helps to improve health Projects joining hands for the community, supporting the Central region because of natural disasters, floods and many other projects have received sympathy and support from customers This is clear evidence that female CEOs have succeeded in implementing these single-use plans 2.2.4 General view 2.2.4.1 The role of people in business When Ms Diem sat in the hot seat more than years ago, the members of the Board of Directors requested that the banking restructuring process be ensured to follow the correct orientation and the established roadmap, but it must be done correctly must grow the business To solve the problem, the female CEO raised the importance and affirmed that people are the key factors of banks, not except Sacombank There is only one difficult problem is how to reconcile nearly 19,000 people into a unified, united, creative in action and towards common goals This only happens when people are strong enough to overcome their ego, ignore personal selfishness, have a vision in one direction, then the expected results will become reality And above all, anyone who is willing to put the common interests first, will of course be honored and recognized by the system The General Director of Sacombank regularly gives positive messages to inspire as well as encourage officers and employees to remember this much For her, the CEO of the Bank has always put her trust in them because she knows, when trusted, people will have the energy and confidence needed to get the job done and stay away from temptations GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT 49 She said that (2020) is the time when the staff at Sacombank needs to have a big and really different mindset However, it must be accompanied by the common goal of restructuring the Bank sustainably in order to bring Sacombank's names closer to all different audiences and customer segments From that, it can be seen that the initial success of the post-merger banking restructuring process affirms that Nguyen Duc Thach Diem and the banking team are on the right path, raising the spirit of Sacombank people with a bright mind and source of energy overflows in each person with enthusiasm and firm belief, timely adapting to all changes but at the same time maintaining and developing a good and sustainable corporate cultural system 2.2.4.2 Recruiting and employing employees Since Ms Diem was appointed to the new position, the female CEO has implemented a series of solutions to improve the efficiency of human resource recruitment through new salary and bonus policies, and at the same time create a dynamic environment, promising for individuals who want to become a part of Sacombank She always insists that she uses employees from a bright mind, not because of a high position that ignores any employees' opinions On the contrary, she is willing to absorb and take immediate measures to overcome the problems presented by employees 2.2.4.3 About the issues of personnel leaving to be the leader At the Bank, employees quit their jobs for two reasons Firstly, the restructuring and redeployment of the Bank inevitably ended up with their jobs In this, she affirmed: "We will certainly be stronger, but of course there must be love and reason." Secondly, every position in the bank is filled For individuals who want to be promoted, Sacombank cannot meet their needs In contrast, other banks may lack leadership positions, expanding the network So their leaving is inevitable When asked about this issue, Ms Diem frankly replied: "Currently, many employees from Sacombank to other banks are still friends with me We still meet GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT 50 and talk regularly The fact that Sacombank's personnel left to be leaders another bank is a matter of pride, not concern." One person leaves, another comes in Similarly, elite individuals who leave the company will be replaced by other good people Anyone who is responsible, knows how to live for the collective, for the common goal, put the collective interests first, that person can take up positions at other enterprises, not just Sacombank For her, the CEO of Sacombank will not feel regret if anyone really intends to leave However, she thinks that maybe the Board of Directors will have a different view She also gave an example of why an individual left That is: “For example, there is only one CEO position If you want to be CEO, I have to leave first, or go to another bank And I haven't left yet, so many people are invited to go to other places as leaders and they take the opportunity." She added: “We pride ourselves on being a training ground in the very competitive financial markets Many employees had left Sacombank, then returned to be quite key leaders Some employees are applying to come back to Sacombank, but unfortunately, we not have a position to receive you." 2.2.4.4 Develop the next team The CEO of Sacombank always conducts and organizes many activities to improve staff productivity, both professionally and in health Especially when becoming CEO, realizing that the employees lack connection and want to arouse the solidarity of the human resources apparatus The female director conceived the idea of "Sức trẻ Sacombank" with many activities to connect individuals such as jogging, yoga, dancing Activities like these not only help to increase solidarity among people but also spread the spirit of sport to everyone around The most important thing is to improve the health of the staff GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT 51 About professionally, training and skill orientation are regular activities at Sacombank Although she is a CEO, however, she always pushes herself constantly in her studies because when an important individual of the bank sets an example, it will inspire the employees GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT 52 II RESEARCH RESULTS The research results achieved: - Organization: Clarify the influence of external and internal environmental factors on the Bank - Manager: Find out the biography, working history and the journey to bring Sacombank back to the race track of CEO Nguyen Duc Thach Diem Understand her role and perspective at work: leadership role of the Bank, perspective on strategic planning and perspective on human resources Evaluation of these results has absolute accuracy and reliability Meaning: the research results help people have a detailed and in-depth look at the project, understand the relationship between the environment and the organization, the role of the manager in the organization III CONCLUSIONS AND RECOMMENDATIONS Conclusion: Through this project, students have a more specialized view of the banking sector in the impact of the environment on organizations, specifically Sacombank At the same time, it helps students understand the importance of the management position in the company Recommendations: - The study has clarified the research objectives, objects and scope - In the future, students will carry out many research methodologies to optimize the value obtained GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT vi REFERENCES Kim Chi (2020), ‘Đồng phục Sacombank’, Trang thông tin điện tử Action Group, Truy cập ngày 12 tháng 06 năm 2021, < https://thoitrangaction.com/dong-phucsacombank/> Phạm Quang Huy (2017), ‘Phân tích mơi trường ngành chiến lược cạnh tranh ngân hàng Sacombank’, 123doc, Truy cập ngày 21 tháng 06 năm 2021, < https://text.123docz.net/document/4743609-phan-tich-moi-truong-nganh-va-chienluoc-canh-tranh-cua-ngan-hang-sacombank.htm > Bùi Thị Kim Lượng (2021), ‘Sacombank ngân hàng gì? Ngân hàng Sacombank có tốt khơng’, Trang thơng tin điện tử Điện máy xanh, Truy cập ngày 10/06/2021, Quang Nguyễn Ngọc Quỳnh (2017), ‘Văn hóa doanh nghiệp ngân hàng Sacombank hoàn thiện phát triển’, 123doc, Truy cập ngày 16 tháng 06 năm 2021, < https://123docz.net//document/4159929-van-hoa-doanh-nghiep-tai-ngan-hang- sacombank-hoan-thien-va-phat-trien.htm> Thùy Vinh (2019), ‘CEO Sacombank Nguyễn Đức Thạch Diễm: Khi người đủ mạnh mẽ để vượt qua tôi’, Báo điện tử Đầu tư online, Truy cập ngày 19 tháng 06 năm 2021, < https://baodautu.vn/ceo-sacombank-nguyen-duc-thach-diem-khimoi-nguoi-du-manh-me-de-vuot-qua-cai-toi-d95164.html> Ẩn danh (2020), ‘LOGO SACOMBANK – NGÂN HÀNG SÀI GỊN THƯƠNG TÍN’, Trang thơng tin điện tử Logovina, Truy cập ngày 12 tháng 06 năm 2021, < https://logovina.com/logo-sacombank.html> Ẩn danh (2020), CEO Sacombank Chúng trở lại nhóm đầu ngoạn mục, Báo điện tử NDH, Truy cập ngày 21 tháng 06 năm 2021, < https://ndh.vn/nganhang/ceo-sacombank-chung-toi-se-tro-lai-nhom-dau-ngoan-muc-1278354.html > GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT vii Ẩn danh (2020), ‘Chuyển đổi số tạo bước chuyển mạnh mẽ Sacombank’, Trang thông tin điện tử Sacombank, Truy cập ngày 15 tháng 06 năm 2021, < https://www.sacombank.com.vn/company/Pages/Chuyen-doi-so-tao-buoc-chuyenmanh-me-tai-Sacombank.aspx> Ẩn danh (2006), ‘Một số nét Sacombank’, Trang thơng tin điện tử Vietstock, Truy cập ngày 17 tháng 06 nắm 2021, < https://vietstock.vn/2006/07/motso-net-chinh-ve-sacombank-77-27778.htm?fbclid=IwAR32dajDl5jQCeqkYN41BSQRS7qcuNiyoscMDL3YIVWrxln-fEKlVwG624> Ngân hàng Sacombank (2020), Báo cáo thường niên, Thành phố Hồ Chính Minh Ngân hàng Sacombank (2020), Giới thiệu, Trang thông tin điên tử Sacombank, Truy cập ngày 13 tháng 06 năm 2021, < https://www.sacombank.com.vn/company/Pages/gioi-thieu.aspx > Ngân hàng nhà nước (Ẩn), ‘Tóm lược lịch sử hoạt động ngành Ngân hàng’, Trang thông tin điên tử Ngân hàng nhà nước, Truy cập ngày 09 tháng 06 năm 2021, Figure 1-3: http://hugiatek.vn/en/1571988852-logo-ngan-hang-sacombank/ Figure 1-4: https://logovina.com/logo-sacombank.html Figure 2-1: https://www.facebook.com/profile.php?id=100015426666383 GROUP’S NAME: 07 ADVISOR: HOANG HA REPORT ASSIGNMENT viii ĐÁNH GIÁ MỨC ĐỘ ĐÓNG GĨP CÁ NHÂN Lâm Bá Đạt, 4A Lê Cơng Tuấn Vũ, 1B,1C,2D Lê Anh Dôn, 4D Nguyễn Nhật Minh, 4D Nguyễn Đức Tú, 4D GROUP’S NAME: 07 ADVISOR: HOANG HA ... 06/2021 THE UNIVERSITY OF DA NANG UNIVERSITY OF ECONOMICS Faculty of finance  REPORT ASSIGNMENT MANAGING SCHOOL SUBJECTS Project title ENVIRONMENTAL ANALYSIS OF SACOMBANK AND MANAGER NGUYEN DUC... conclusions and recommendations, list of acronyms, list of images, list of references; the structure of the report consists of two parts: + Part 1: Environmental analysis of Sacombank and organizational... 06/2021 REPORT ASSIGNMENT i TABLE OF CONTENTS PART ENVIRONMENTAL ANALYSIS OF SACOMBANK AND ORGANIZATIONAL 1.1 INTRODUCE SACOMBANK .4 1.1.1 The process of formation and development