Đang tải... (xem toàn văn)
Microsoft Office 2000 MININSTRY OF EDUCATION AND TRAINING UNIVERSITY OF ECONOMICS OF HO CHI MINH CITY CHHUON CHHEN CREDIT QUALITY IMPROVEMENT AT ACLEDABANK PLC MASTER OF BANKING THESIS Ho Chi[.]
MININSTRY OF EDUCATION AND TRAINING UNIVERSITY OF ECONOMICS OF HO CHI MINH CITY CHHUON CHHEN CREDIT QUALITY IMPROVEMENT AT ACLEDABANK PLC MASTER OF BANKING THESIS Ho Chi Minh City – 2012 123doc MININSTRY OF EDUCATION AND TRAINING UNIVERSITY OF ECONOMICS OF HO CHI MINH CITY CHHUON CHHEN CREDIT QUALITY IMPROVEMENT AT ACLEDABANK PLC Major: Banking Major code: 60.31.12 MASTER OF BANKING THESIS Ho Chi Minh City – 2012 123doc Acknowledgements First of all I would like to express my sincere gratitude to my supervisors, Dr PHAM VAN NANG at University of Economics Ho Chi Minh City, Vietnam, for his intelligent guidance and helpful advice during the whole process I would like to thank all the participants who contributed to my work, not just for their responses, but also for the good suggestions they made and their kind help Special thanks to my family and friends for their consideration and support during all the process of writing this thesis CHHUON CHHEN I 123doc Table of Content INTRODUCTION 1 URGENCY OF THE SUBJECT Research Objectives Object and Scope of the research Research Methodology Contribution of the study Outline of the study CHAPTER I: CREDIT QUALITY OF COMMERCIAL BANK 1.1 Credit activities of commercial bank 1.1.1 Overview of commercial bank 1.1.1.1 Definition of commercial bank 1.1.1.2 Major activities of commercial bank 1.1.1.2.1 Mobilization of capital 1.1.1.2.2 Capital Use 1.1.1.2.3 Other activities 1.1.2 Credit activities of commercial bank 1.1.2.1 Definition of credit activities 1.1.2.2 Forms of credit of commercial banks 1.1.2.2.1 Based on purpose 1.1.2.2.2 Based on credit term 1.1.2.2.3 Based on the mode of lending 1.1.2.2.4 Based on the level of confidence for customers 10 1.1.2.2.5 Based on the origin of credit: 10 1.1.2.2.6 Based on morphological value of credit 11 1.2 Credit quality of commercial bank 11 1.2.1.Definition of credit quality 11 1.2.2.The important to improve credit efficiency 12 1.2.2.1.For banks 12 1.2.2.2 For customers 13 1.2.2.3 For economic development 14 1.2.3 Factors used to analyze credit quality 14 1.2.3.1 Qualitative factors 14 II 123doc 1.2.3.2 Quantitative factors 15 1.2.3.2.1 Debt outstanding growth rate 15 1.2.3.2.2 Past due debt/Total debt outstanding ratio 15 1.2.3.2.4 Mortgage loan/Total loan outstanding 16 1.2.3.2.5 The growth rate of income from credit activities 16 1.3 Factors affecting credit quality of commercial banks 17 1.3.1 Subjective Factors 17 1.3.2 Objective Factors 19 CHAPTER II: THE REALITY OF CREDIT QUALITY OF ACLEDA BANK PLC23 2.1 Overview of ACLEDA BANK PLC 23 2.1.1 History of development 23 2.1.2 Management structure of ACLEDA BANK PLC 26 2.1.3 Result of its activities……………………………………………………………32 2.1.3.1 Capital mobilization……………… ………………… ………………………32 2.1.3.2 Lending and investment 36 2.1.2.3 Other business activities 37 2.1.2.4 Business Result 38 2.2 Credit quality of ACLEDA BANK PLC 39 2.2.1 Lending process 39 2.2.2 Analyzing factors reflecting credit quality of ACLEDA BANK PLC 41 2.2.2.1 The growth of debt balance 41 2.2.2.2 Past due 44 2.2.2.3 Past due divided in groups 45 2.2.2.4 Mortgage loan 48 2.2.2.5 The growth of interest income 51 2.3 Credit quality analysis 52 2.3.1 Business outcome 52 2.3.2 Limitation and causes 54 2.3.2.1 Limitation 54 2.3.2.2 Causes 54 2.3.2.2.1 Subjective Causes 54 2.3.2.2.2 Objective cause 56 CHAPTER III: SOLUTION TO IMPROVE CREDIT QUALITYOF ACLEDA BANK PLC …………………………………………………………………………… 59 III 123doc 3.1 The orientation of credit activities of ACLEDA BANK PLC 59 3.1.1 Business orientation of ACLEDA Bank Plc: 59 3.1.2 The orientation of credit development of ACLEDA BANK PLC 60 3.2 The solution to improve credit quality of ACLEDA BANK PLC 61 3.2.1 Credit assessment improvement 61 3.2.2 Improvement of credit risk control 62 3.2.3 Increasing cover ratio( collateral/debt ratio) 63 3.2.4 Enhance the settlement of outstanding debt 64 3.2.5 Development of human resource 65 3.2.6 Update technology 67 3.2.7 Maintain long term relationship with customers 68 3.2.8 Improvement of Marketing quality 69 3.2.9 Other solution 70 3.2.9.1 Conduct contests to find out high quality staffs 70 3.2.9.2 Organize seminars and exchange experiences with other banks 70 3.2.9.3 Separate clearly between salaries and bonuses 71 3.2.9.4 Promote good relationship between the bank and other authorities 71 3.3 Petition 71 3.3.1 For the government 71 3.3.1.1 Strengthening the supervision of law enforcement 71 3.3.1.2 Conducting equalization and restructuring the state enterprises 71 3.3.1.3 Further promoting the operations of debt and asset trading companies 72 3.3.1.4 Urgently granting land/house title deed to people 72 3.3.1.5 Fastening the process of issue settlement of the court system 72 3.3.2 3.3.2.1 For National Bank of Cambodia 72 Stabilizing the inter-banking money market quickly 72 3.3.2.2 Strengthening the inspection and supervision of the operation of commercial banks…… 73 CONCLUSION 74 REFERENCES 75 IV 123doc List of Tables Table 2.1: The situation of ACLEDA Bank’s capital mobilization……… ………32 Table 2.2: Capital mobilization by maturity date…………………………….……35 Table 2.3: Lending and investment of ACLEDA Bank…………………….…… 36 Table 2.4: Business result of ACLEDA Bank ………………………… …… 38 Table 2.5: Lending situation of ACLEDA Bank………………………………… 43 Table 2.6: Past due debt of ACLEDA Bank……………………………………….44 Table 2.7: Past due debt divided in group of ACLEDA Bank………….…………46 Table 2.8: Percentage secured past due loan of ACLEDA Bank……….…………50 Table 2.9: Total net interest income of ACLEDA Bank…………………….…….51 V 123doc List of Chart Chart 2.1: The situation of ACLEDA Bank’s capital mobilization ………….……33 Chart 2.2: Capital mobilization by maturity date ………………………………… 35 Chart 2.3: Lending and investment of ACLEDA Bank ………………………… 37 Chart 2.4: Business result of ACLEDA Bank ………………………………… 38 Chart 2.5: Lending situation of ACLEDA Bank ………………………… …… 43 Chart 2.6: Past due debt of ACLEDA Bank…………………………….…… … 44 Chart 2.7: Past due debt divided in group of ACLEDA Bank ……………… … 47 Chart 2.8: Percentage secured past due loan of ACLEDA Bank ………… … … 49 Chart 2.9: Total net interest income of ACLEDA Bank ………………… …… 52 VI 123doc Page INTRODUCTION URGENCY OF THE SUBJECT Today the role of banks in general and commercial banks in particular are increasingly evident, contributing to the development of world economy in general and in particular to contribute to the economic development of Cambodia ACLEDA bank is one of the commercial banks of Cambodia Currently, the main business activities of commercial banks in general and of ACLEDA bank in particular are: Capital raising activities, Capital using activities, and other services Among these activities, credit activities is a basic activity and plays an important role for ACLEDA bank, such as: This activity provides the main source of revenue for ACLEDA, and through this activity, it may cross-selling products to attract other activities such as underwriting, international payment, money transfer However, the credit quality of ACLEDA is still being evaluated to be low This will cause many risks (such as credit risk, liquidity risk ) and losses to the bank In the context of the global financial crisis, the fierce competition among commercial banks with other banks has made credit quality of ACLEDA somewhat diminished To develop credit activities in particular and banking activities in general, improvement the credit quality in the future is an urgent requirement in place today Because of the above requirement, the topic: “The solution to improve credit quality of ACLEDA bank.” was chosen as the subject of Master thesis in economics 123doc Page 2 Research Objectives - Study the basic theories about the credit quality of commercial banks - Analyze the status of credit quality of ACLEDA BANK PLC in Cambodia, then point out what has been done and what has not yet been done and point out the causes of these limitations - Propose the solutions to improve the credit quality of the ACLEDA BANK in the future Object and Scope of the research - Study objects: the credit quality of commercial banks - Scope of the Study: Credit quality of ACLEDA BANK in Cambodia - Research Time: From 2009 to 2011 Research Methodology In the process of writing thesis, statistical methods, synthesis, investigation, comparison and economic analysis are used Contribution of the study - Systematize the basic arguments of credit quality of commercial bank - Analyze the status of credit quality of ACLEDA BANK, then point out the solutions to improve its credit quality Outline of the study Introduction Chapter 1: Credit quality of commercial bank Chapter 2: The reality of credit quality of ACLEDA BANK PLC Chapter 3: Solutions to improve credit quality of ACLEDA BANK PLC Conclusion 123doc ... The orientation of credit development of ACLEDA BANK PLC 60 3.2 The solution to improve credit quality of ACLEDA BANK PLC 61 3.2.1 Credit assessment improvement 61 3.2.2 Improvement. .. reality of credit quality of ACLEDA BANK PLC Chapter 3: Solutions to improve credit quality of ACLEDA BANK PLC Conclusion 123doc Page CHAPTER I CREDIT QUALITY OF COMMERCIAL BANK 1.1 Credit activities... IMPROVE CREDIT QUALITYOF ACLEDA BANK PLC …………………………………………………………………………… 59 III 123doc 3.1 The orientation of credit activities of ACLEDA BANK PLC 59 3.1.1 Business orientation of ACLEDA Bank Plc: