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TRƯỜNG ĐẠI HỌC NGÂN HÀNG TP HỒ CHÍ MINH BÀI THI KẾT THÚC HỌC PHẦN Môn thi: Hoạt động kinh doanh ngân hàng Họ tên sinh viên: Võ Minh Quân MSSV: 050607190418 Lớp học phần: BAF301_2111_7_L06_TA THÔNG TIN BÀI THI MÃ ĐỀ THI/ĐỀ TÀI Bài thi có: (bằng số): trang (bằng chữ): Chín trang BÀI LÀM Question 1: Briefly introduce about one (01) Vietnamese commercial bank (1 point) Question 2: Present the deposit products at the bank selected in question (4 points) Question 3: Individual customer X has a regular monthly saving income of 30 million VND and wants to buy an apartment to live in worth 1.5 billion VND, please advise on savings products at the bank selected in question is suitable for customer X (with explanation) (4 points) -1- NGÂN HÀNG NHÀ NƯỚC VIỆT NAM BỘ GIÁO DỤC VÀ ĐÀO TẠO TIỂU LUẬN CUỐI KHOÁ SVTH: Võ Minh Quân MSSV: 050607190418 Lớp: BAF301_2111_7_L06_TA Khóa học: 2021 - 2022 GVHD: TS Nguyễn Thị Thu Trang Tp Hồ Chí Minh, ngày 20 tháng năm 2022 -2- 0 Table of contents I About Vietcombank (Question 1) General 1.1 History of formation and development 1.2 Vision and mission .4 1.3 Operation philosophy 1.4 Cultural identity of Vietcombank .4 Visual icons 2.1 Typical slogans and publications II Deposit products at the bank (Question 2) Individual customers 1.1 Deposits, savings pay interest later 1.2 Deposits, savings pay interest first .6 1.3 Savings pay periodic interest 1.4 Automatic savings 1.5 Accumulate remittances .6 1.6 Online deposit 1.7 Online Cumulative Deposits 1.8 Payment account Corporate customers 2.1 Payment account 2.2 Term deposit account 2.3 Special deposit account Priority customers 3.1 Priority Deposit III Question REFERENCES 12 -3- 0 I About Vietcombank (Question 1) General 1.1 History of formation and development The former Vietnam Bank for Foreign Trade, now the Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank), was established and officially went into operation on April 1, 1963 with its predecessor the Foreign Exchange Department (under the Bank) Vietnamese State-owned goods) As the first state-owned commercial bank selected by the Government to pilot equitization, Vietcombank officially operated as a joint-stock commercial bank on June 2, 2008 On June 30, 2009, Vietcombank shares (stock code VCB) were officially listed on the Ho Chi Minh Stock Exchange Over 56 years of construction and growth, Vietcombank has made important contributions to the stability and development of the country's economy, promoting its role as a key external bank, effectively serving economic development in the country, while creating important influences on the regional and global financial community 1.2 Vision and mission Vision: The No Bank in Vietnam, striving to become one of the 100 largest banks in Asia, one of the 300 largest financial banking groups in the world and managed according to international best practices best economy In the next period (until 2030), VCB aims to maintain its position as the No bank in Vietnam and gradually improve its position in the region Mission: The leading bank for Vietnam's prosperity 1.3 Operation philosophy Always put yourself in the position of a partner to understand, share and best solve the work 1.4 Cultural identity of Vietcombank Summarized in basic values: • Trust - Preserve Prestige and Skill • Standards - Respect for principles and behave properly • Ready to innovate - Always aiming for the new modern and civilized • Sustainability - For long term benefits • Humanity - Trong Duc, closeness and sympathy to share -4- 0 Visual icons With the new Vietcombank logo design, the letter V in the design shows sustainability, not only the symbol of Vietcombank but also the spirit of the bank's determination to win (Victory) Along with the main color of the brand is blue, the symbol evokes the feeling of linking the beginning and the continuous transition of the letter "V" with the meaning of constantly connecting every journey to bring the feeling of trust Thoughts come from the heart 2.1 Typical slogans and publications Slogan: Always bring customers success Typical gifts: Vietcombank Cultural Handbook II Deposit products at the bank (Question 2) Individual customers 1.1 Deposits, savings pay interest later When depositing at the bank, the bank will apply many currencies such as VND, USD, EUR, GBP, AUD and other foreign currencies according to regulations from time to time and there is no minimum deposit limit With a maximum term of 60 months And deposit, there will be types of accounts: term accounts and savings accounts We will have a method of paying interest at the end of the period with a fixed interest rate during the term of deposit and early withdrawal like applying a demand interest rate floor We will have many incentives such as attractive interest rates, simple and fast procedures, many currencies and rich deposit terms Deposit and withdraw easily at any Vietcombank transaction points nationwide -5- 0 1.2 Deposits, savings pay interest first When depositing at the bank, the bank will apply many currencies such as VND, USD, EUR and there is no minimum deposit limit With terms of 1, 3, 6, 12, 18, 24 months Customers depositing, there will be types of accounts: Term accounts and savings accounts At the same time, there will be a method of paying interest at the beginning of the period with a fixed interest rate during the term of deposit and early withdrawal such as applying a demand interest rate floor Customers will have many incentives such as receiving interest in advance for the whole term as soon as they deposit money to pay for their consumption needs and flexibly receiving interest in cash, transfer or inputting the deposit principal amount 1.3 Savings pay periodic interest Customers depositing savings at the bank, the bank will apply many currencies such as VND, USD, EUR and unlimited deposit amounts of 30,000,000 VND, 2,000 USD, 2,000 EUR respectively With term from to 60 months and have monthly/quarterly interest payment method with fixed interest rate throughout the deposit term Enjoy interest rate without term when customers withdraw before maturity Customers are entitled to receive monthly/quarterly interest to meet their regular consumption needs, flexibly receive interest in cash or automatically transfer to their account, deposit and withdraw easily at any transaction point of Vietcombank nationwide 1.4 Automatic savings Customers depositing savings at the bank, the bank will apply currencies such as VND and USD with the source account used to debit the transferred amount: a payment deposit account or a dedicated savings account demand and minimum deposit is 1,000,000 VND, 100 USD With a maximum term of 60 months The bank will have a method of paying interest according to the provisions of specific automatic savings with a fixed interest rate throughout the deposit term Enjoy interest rate without term when customers withdraw before maturity Customers will receive incentives such as automatic money transfer from a demand account to an automatic savings account to enjoy higher interest rates without going to the bank No time consuming transactions with banks, can withdraw capital before maturity when needed and attractive interest rates, simple and fast procedures 1.5 Accumulate remittances Customers deposit accumulated money at the bank with the applicable currency being USD The minimum deposit amount is unlimited for the initial deposit with a term of month The method of paying interest is at the end of the -6- 0 period The interest rate is fixed throughout the deposit term Enjoy interest rate without term when customers withdraw before maturity With preferential rates such as attractive interest rates, simple and fast procedures and early payment In addition, enjoy many incentives from Vietcombank's promotions 1.6 Online deposit Customers deposit at the bank with the applicable currency of VND and the money to open a passbook is deducted from the customer's own VND payment account Minimum deposit amount is 3,000,000 VND with terms of 14 days, month, months, months, 12 months and 24 months Interest payment method is calculated according to the principal income or transferred to the customer's own VND payment account The interest rate is fixed during the deposit term, according to the product's regulations As for incentives, customers will have many incentives such as doing it online, not going to the bank The account will be absolutely secure with modern transaction authentication methods Finally, Customers can deposit more money, withdraw money, finalize online deposit accounts right on VCB Digibank or at any Vietcombank's transaction points 1.7 Online Cumulative Deposits Customers deposit accumulated money at the bank with the applicable currency of VND With a minimum initial principal amount of 10,000,000 VND and minimum recurring deposit principal amount of 1,000,000 VND In addition, customers can also deposit more principal in the term, flexible with 02 forms: • Send the original monthly/quarterly cycle periodically automatically according to the • Send original up to 01 time/month according to customer's demand Regarding terms, there will be original terms including 12 months, 24 months and sub-terms including terms from less than month to less than 24 months And can apply the term deposit account with the method of paying interest at the end of the period The interest rate is fixed throughout the term of deposit and early withdrawal according to the application of the demand interest rate floor 1.8 Payment account A checking account is like an “ID number” when you use banking services All your financial transactions such as: deposit, withdrawal; transfer, payment; account overdraft; card issuance, check issuance; Registration for other banking services (card, VCB digibank ) is done based on the payment account When opening a payment account, customers will receive many incentives such as free account opening, interest on idle money in the account and easy management of account transaction fluctuations 24/7 with the service VCB digital In general, from individual customers, the general conditions for opening a deposit, accumulation and payment account are that individual customers are Vietnamese citizens with valid ID/CCCD/Passport And foreign individual -7- 0 customers are allowed to reside in Vietnam for 06 months or more and the deposit term must not be longer than the remaining validity period of the customer's information verification documents Corporate customers 2.1 Payment account There are types of payment accounts: regular checking account and special account With a common payment account type, it helps businesses track and manage daily funds quickly, safely and accurately with the lowest cost There are many benefits to opening a regular payment account such as simple account opening procedures and transaction methods, being able to open an account in VND or foreign currency, and convenient use of a variety of payment services and lowest costs through Vietcombank's extensive network of branches and correspondent banks As for the special payment account, with full technical and professional support, it will help businesses control details of daily budget issues in the most effective way And there will be many accounts in it Various special accounts such as specialized collection accounts, specialized spending accounts, automatic investment accounts, etc 2.2 Term deposit account In order to meet the needs of effectively investing idle capital of enterprises in a certain period of time, Vietcombank provides diverse and flexible deposit products with attractive interest rates corresponding to deposit terms consistent with the capital use plan of the enterprise As for the benefits, there are many benefits such as simple use of the service, accurate safety, absolute security, and Ensure your business's investment is highly effective And another small account in the term deposit account is an account that receives periodic interest The product "Term deposit with periodic interest" has high flexibility, customers can choose the interest period as well as the method of receiving interest On the benefits side, customers will have long-term deposits but still meet their short-term spending or financial arrangements Flexible interestreceiving cycle: monthly or quarterly depending on demand 2.3 Special deposit account Vietcombank provides products tailored to the needs and capital use plans of businesses such as odd-term deposit products, ladder interest rate deposit products, and deposit products with the option to withdraw early with competitive interest rates And the benefit is that customers have many terms to choose from with attractive interest rates, making the most of profit from idle money -8- 0 Priority customers 3.1 Priority Deposit A savings account/term deposit account with VND mobilizing currency and has interest rates for each term and deposit balance Customers will have many benefits such as interest rates for each term and deposit balance, used as collateral for loans, credit card issuance III Question Table 1: Interest table for personal customers Customer X need a monthly savings income of 30 million VND in order to purchase an apartment valued at 1.5 billion in the future Customer X can pick from a variety of savings options at Vietcombank, including saves with interest paid later, savings with periodic interest payments, savings with interest paid in advance, automated savings, online savings, and online cumulative savings -9- 0 Normal savings include savings with interest later, savings with periodic interest payments, savings with interest payments in advance, automatic savings, online savings, and term deposits are all applicable Suppose customer X sends 46 savings books worth 30 million VND/ book, i = 3%/year = 0.25%/month First saving book send 30 million for month term after 46 months of receiving = 30 × (%1 + 0.25%)!" = 33,65 million VND Second saving book send 30 million for month term after 46 months of receiving = 30 × (%1 + 0.25%)!# = 33,56 million VND Third saving book send 30 million for month term after 46 months of receiving = 30 × (%1 + 0.25%)!! = 33,48 million VND …… 44th saving book send 30 million for month term after 46 months of receiving = 30 × (%1 + 0.25%)$ = 30,22 million VND 45th saving book send 30 million for month term after 46 months of receiving = 30 × (%1 + 0.25%)% = 30,15 million VND 46th saving book send 30 million for month term after 46 months of receiving = 30 × (%1 + 0.25%)& = 30,075% million VND After 46 months, the amount received by customer X is: 33,65 + 33,56 + 33,48 + … + 30,22 + 30,15 + 30,075 ≈ 1,464,200,751 VND As for online cumulative deposit savings, it may be claimed that the online cumulative deposit product will be appropriate for customer X's monthly savings needs, and this decision can be explained as follows: Firstly, customer X will be able to deposit and withdraw money on Vietcombank Digital online bank without having to go to the bank's transaction counter when he participates in the online savings program Mr X's savings deposit, on the other hand, will be safe, accurate and extremely secure thanks to contemporary verification mechanisms Customer X can also use the interest rate on term deposits to flexibly amass deposits according to his financial strategy Secondly, the online cumulative savings product would allow customer X to deposit 30 million VND each month based on their needs, with Vietcombank's current announced interest rate applied for the first month, and the deposit duration decreased in subsequent months Of course, the amount of money returned to the consumer will be reduced Thirdly, for the purpose of buying a house, every month, customer X has to deposit 30 million VND in the bank And for online cumulative deposit method, even if customer X deposits 12 or 24 months, he can deposit money regularly every month to accumulate, but for the remaining methods such as savings, interest will be paid later, savings pay periodic interest, save pay interest in advance, save automatically, save online will not be deposited every month until the term expires And at Vietcombank, for online savings, customer X will be able to choose a term according to their needs and to ensure the highest interest rate, customer X should choose a 24-month term equivalent to the bank's interest rate 5.3% Besides, -10- 0 because the maximum term of this savings product is only 24 months, calculated according to the prediction of saving time to ensure in the future, the total amount of money received by customers (both capital and interest) is 1,5 billion VND Current direct savings interest rate is 5.3%/year = 0.004416667%/month Assuming customer X deposits 46 months, the amount of both principal and interest received by customer X is: 1,380,000,000 + total profit 46 month = 1,380,000,000 + (132,500 + 265,000 + … + 5,962,500 + 6,095,000) ≈% 1,523,232,500 billion VND Month 10 … 40 41 42 43 44 45 46 Actual balance 30,000,000 60,000,000 90,000,000 120,000,000 150,000,000 180,000,000 210,000,000 240,000,000 270,000,000 300,000,000 … 1,200,000,000 1,230,000,000 1,260,000,000 1,290,000,000 1,320,000,000 1,350,000,000 1,380,000,000 Interest rate 0.004416667 0.004416667 0.004416667 0.004416667 0.004416667 0.004416667 0.004416667 0.004416667 0.004416667 0.004416667 … 0.004416667 0.004416667 0.004416667 0.004416667 0.004416667 0.004416667 0.004416667 Amount of profit received 132,500 265,000 397,500 530,000 662,500 795,000 927,500 1,060,000 1,192,500 1,325,000 … 5,300,000 5,432,500 5,565,000 5,697,500 5,830,000 5,962,500 6,095,000 Table 2: Customized customs deposit calculator Finally, we can conclude that for normal savings, including savings with interest later, savings with periodic interest payments, savings with interest payments in advance, automatic savings, online savings and all of which apply for a term deposit 46 months, customer X receives ≈ 1,464,200,751%VND and the amount is less than 1.5 billion, so customer X cannot buy a house In addition, for online cumulative deposit, customer X receives ≈ 1,523,232,500 VND and 59 million VND more than normal savings Therefore, customer X should choose the most appropriate form of direct deposit -11- 0 REFERENCES https://portal.vietcombank.com.vn/Pages/Home.aspx?devicechannel=d efault -12- 0 ... the symbol of Vietcombank but also the spirit of the bank'' s determination to win (Victory) Along with the main color of the brand is blue, the symbol evokes the feeling of linking the beginning... money, finalize online deposit accounts right on VCB Digibank or at any Vietcombank''s transaction points 1. 7 Online Cumulative Deposits Customers deposit accumulated money at the bank with the. .. bring customers success Typical gifts: Vietcombank Cultural Handbook II Deposit products at the bank (Question 2) Individual customers 1. 1 Deposits, savings pay interest later When depositing at
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