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MINISTRY OF EDUCATION AND TRAINING THE STATE BANK OF VIET NAM BANKING UNIVERSITY OF HO CHI MINH CITY CU NGO HAI YEN IMPROVING CREDIT QUALITY AT VIETNAM JOINT STOCK COMMERCIAL BANK FOR INDUSTRY AND TRA[.]
MINISTRY OF EDUCATION AND TRAINING THE STATE BANK OF VIET NAM BANKING UNIVERSITY OF HO CHI MINH CITY CU NGO HAI YEN IMPROVING CREDIT QUALITY AT VIETNAM JOINT STOCK COMMERCIAL BANK FOR INDUSTRY AND TRADE –THU DUC BRANCH GRADUATION THESIS MAJOR FINANCE AND BANKING ID: 7340201 HO CHI MINH CITY, 2018 LUAN VAN CHAT LUONG download : add luanvanchat@agmail.com MINISTRY OF EDUCATION AND TRAINING THE STATE BANK OF VIET NAM BANKING UNIVERSITY OF HO CHI MINH CITY CU NGO HAI YEN IMPROVING CREDIT QUALITY AT VIETNAM JOINT STOCK COMMERCIAL BANK FOR INDUSTRY AND TRADE –THU DUC BRANCH GRADUATION THESIS MAJOR FINANCE AND BANKING ID: 7340201 SUPERVISOR PHD LE DINH HAC HO CHI MINH CITY, 2018 LUAN VAN CHAT LUONG download : add luanvanchat@agmail.com ABSTRACT The graduation thesis with the topic "Improving credit quality at Vietnam Joint Stock Commercial Bank for Industry and Trade - Thu Duc Branch" presented the general theories on bank credit and raised the characteristics and roles credit quality, credit quality, and indicators to measure credit quality From these basis, the author collects data related to the assessment criteria, comments on credit activities and quality of credit products of the Branch Then, draw the results and limitations of credit quality at the Branch According to the research results, VietinBank Thu Duc has a high growth rate of credit outstanding balance, overdue debt ratio and bad debt ratio are always at low levels In addition, according to the survey from customers, the problem that customers are not satisfied in the business is the cumbersome precedures, the transaction processing time is not fast, the time to solve loans are still slow, credit products are not very diversified, marketing policies are not focused The above mentioned issues are formed partly from banks and partly from policy, economic situation and customers' activities Based on the analytical reasons, the author proposed solutions to overcome, and made recommendations to the Government, State Bank of Viet Nam and Vietinbank LUAN VAN CHAT LUONG download : add luanvanchat@agmail.com COMMITMENT This is the author's own research, the results in the reaserch are true, without prior publication of content or other content that is performed by others except for the references which are cited full source in the thesis Author CÙ NGÔ HẢI YẾN LUAN VAN CHAT LUONG download : add luanvanchat@agmail.com ACKNOWLEDGEMENT After four years studying at the Banking University of Ho Chi Minh City, I have gained a wealth of knowledge and experience from talented, dedicated and enthusiastic teachers, especially excellent care for students from the Faculty of Finance - Banking Hereby, I would like to send my sincere thanks to all the teachers of Banking University in Ho Chi Minh City in general and the Faculty of Finance and Banking in particular,who have created a good environment for me In particular, I would like to thank PhD Le Dinh Hac for giving useful tips, knowledge to help me complete the graduation thesis During the course of the graduation thesis, this can not avoide restriction due to the shortcomings of experience and limited knowledge I am looking forward to receive comments from the teachers, so I can complete the thesis with better quality and accumulate more knowledge and experience for later work LUAN VAN CHAT LUONG download : add luanvanchat@agmail.com TABLE OF CONTENTS TABLE OF CONTENTS LIST OF ABBREVIATIONS LIST OF TABLES INTRODUCTION CHAPTER1: THEORY OF CREDIT AND BANK CREDIT QUALITY CHAPTER INTRODUCTION .1 1.1 Overview of credit 1.1.1 Credit definition and credit characteristics 1.1.2 Roles of bank credit 1.1.3 Credit classification 1.2 Credit quality of commercial banks 1.2.1 Definition of credit quality of commercial banks .8 1.2.2 Criteria for evaluating credit quality 1.2.2.1 For customers 1.2.2.2 For banks 12 1.3 Factors affecting the credit quality of commercial banks 14 1.3.1 Factors belong to the bank .15 1.3.2 Factors belong to the business, customers .18 CHAPTER CONCLUSION 23 CHAPTER 2: QUALITY OF CREDIT IN VIETNAM BANK FOR INDUSTRY AND TRADE - THU DUC BRANCH .24 CHAPTER INTRODUCTION 24 2.1 An overview of VietinBank 24 2.1.1 Overview of VietinBank 24 2.1.2 Development process 25 2.1.3 Organizational chart of VietinBank 25 2.1.4 Mission of VietinBank 26 2.1.5 Achievements of VietinBank 27 2.2 General introduction of VietinBank Thu Duc 27 2.2.1 Formation process 27 2.2.2 Functions of VietinBank Thu Duc 28 2.2.3 Organizational structure of VietinBank Thu Duc 28 2.2.3.1 Organizational structure 29 LUAN VAN CHAT LUONG download : add luanvanchat@agmail.com 2.2.3.2 Duty of the departments .29 2.2.3.3 Fields of activity of VietinBank Thu Duc 32 2.2.4 Business results of VietinBank Thu Duc .33 2.3 Current scenario of credit activities at VietinBank Thu Duc 37 2.3.1 Credit products at VietinBank Thu Duc 37 2.3.2 Credit performance at VietinBank Thu Duc 43 2.4 Valuation of credit quality at VietinBank Thu Duc 54 2.4.1 From customer perspective .54 2.4.2 From bank perspective .58 2.4.3 Limitations 58 2.4.4 The cause of the limitations 59 2.4.4.1 Causes from banks 59 2.4.4.2 Causes from the customers 60 2.4.4.3 Objective reasons 61 CHAPTER CONCLUSION 62 CHAPTER 3: SOLUTIONS TO IMPROVE CREDIT QUALITY AT VIETINBANK THU DUC 63 CHAPTER INTRODUCTION 63 3.1 Business orientation of Vietinbank Thu Duc 63 3.2 Solutions to improve quality of credit in VietinBank Thu Duc .64 3.2.1 Simplify procedures of corporate loans 64 3.2.2 Improve the efficiency of coordination between departments 64 3.2.3 Diversify credit products 64 3.2.4 Apply advanced science and technology 64 3.2.5 Advance the marketing policy 65 3.3 Recommendation .66 3.3.1 Recommendation to the State 66 3.3.2 Recommendation to the State Bank 66 3.3.3 Recommendations to VietinBank 67 CHAPTER CONCLUSION 69 CONCLUSION 70 REFERENCES 71 APPENDIX 74 LUAN VAN CHAT LUONG download : add luanvanchat@agmail.com LIST OF ABBREVIATIONS Table Abbreviations Meaning Agribank Vietnam Bank for Agriculture and Rural Development ASEAN Association of South East Asia Nations ATM Automatic Teller Machine BIDV Joint Stock Commercial Bank for Investment and Development of Vietnam FDI Foreign Direct Investment GDP Gross domestic product ISO International Organization for Standardization L/C Letter of credit SBV State Bank of Vietnam SME Small and Medium sized enterprises SWIFT Society for Worldwide Interbank Financial Telecommunication UPAS L/C Unsance payale at sight Letter of credit VAMC Vietnam Asset Management Company VBI Vietinbank Insurance Company Vietcombank Joint Stock Commercial Bank for Foreign Trade of Vietnam VietinBank Vietnam Joint Stock Commercial Bank for Industry and Trade VietinBank Vietnam Joint Stock Commercial Bank for Industry and Trade Thu Duc - Thu Duc Branch VND Dongs – Viet Nam Dong LUAN VAN CHAT LUONG download : add luanvanchat@agmail.com LIST OF TABLES Table 2.1 Results of some key indicators of business activities .33 Table 2.2 Short-term loan products at VietinBank Thu Duc 37 Table 2.3 Medium-term and long-term loans at VietinBank Thu Duc .38 Table 2.4 Specialized loan products at VietinBank Thu Duc 39 Table 2.5 Consumer products for individual customers 40 Table 2.6 Credit products for individual customers to borrow for 41 Table 2.7 Loan structured by type of currency from 2015 to 2017 43 Table 2.8 Credit outstanding balance structured by types of customer 44 Table 2.9 Credit outstanding balance structured by credit term 46 Table 2.10 Credit outstanding balance structured by economic sector in VietinBank Thu Duc from 2015-2017 47 Table 2.11 The number of customer using credit product in VietinBank Thu Duc from 2015-2017 49 Table 2.12 Overdue debt scenario at VietinBank Thu Duc from 2015-2017 50 Table 2.13 Bad debt scenario from 2015-2017 .51 Table 2.14 Income from credit activities at VietinBank Thu Duc 53 Table 2.15 Results of customer survey on credit quality at VietinBank Thu Duc 54 LUAN VAN CHAT LUONG download : add luanvanchat@agmail.com LIST OF FIGURES Figure 1.1 Theoretical model of customer satisfaction evaluation SERVQUAL (Parasuraman, 1988) 10 Figure 2.1 Organizational chart of VietinBank 25 Figure 2.2 Organizational chart of VietinBank Thu Duc .29 Figure 2.3 Credit outstanding balance structured by loan term from 2015 to 2017 46 Figure 2.4 Credit outstanding balance structured by economic sector in VietinBank Thu Duc from 2015-2017 48 Figure 2.5 Overdue debt scenario from 2015 to 2017 .50 Figure 2.6 Bad debt scenario at VietinBank Thu Duc from 2015 to 2017 52 Figure 2.7 Income from credit activities at VietinBank Thu Duc 53 LUAN VAN CHAT LUONG download : add luanvanchat@agmail.com ... at Vietnam Joint Stock Commercial Bank for Industry and Trade - Thu Duc Branch Object and scope of the study Object: Credit quality at Vietnam Joint Stock Commercial Bank for Industry and Trade. .. Vietinbank Insurance Company Vietcombank Joint Stock Commercial Bank for Foreign Trade of Vietnam VietinBank Vietnam Joint Stock Commercial Bank for Industry and Trade VietinBank Vietnam Joint Stock. .. limitations in credit activities at VietinBank Joint Stock Commercial Bank for Industry and Trade (Thu Duc Branch) Chapter 3: Solutions to improve credit quality at Vietnam Joint Stock Commercial