2A
In the current market economy, the portal of the Ministry of Finance stated that state-owned banking institutions are the most critical link in the development of Vietnam In order to meet the requirements set forth, under the leadership of the State Bank of Vietnam, the state-owned banking system has made remarkable progress: Being the locomotive for economic development in general and responding well to banking operations in particular.
According to the announcement on the official website of the State Bank, of the current challenging economy, state-owned banks such as Vietinbank, BIDV, Vietcombank, and Agribank need to focus more on capital mobilization to help solidify the financial foundation for banks Without early funding and improving financial capacity, banks cannot well play the role of the central pillar of the main funding channel for the economy The capital level of this year is substantially different from previous years, particularly given the modest rise in capital mobilization When compared to the start of the year, the capital mobilization rate has grown by around 4.6%, which is only about 1/3 the growth rate of credit (according to Industry and Trade newspaper) This situation poses a challenge to the very high capital utilization ratio of the banking system, as well as concerns about the liquidity of the banking system because only money can mobilize to lend to the economy Therefore, improving the capital mobilization capacity effectively and sustainably is an essential issue to improve the financial efficiency of the bank.
Therefore, after the internship at the Agribank branch in the North of Yen Bai, the researcher concludes that to improve operational efficiency, improve competitiveness, and make the financial situation healthy, it is necessary to study theoretical issues and analyze as well as evaluate the situation; thereby the researcher can offer solutions to increasing effectiveness of capital raising activities at the Agribank branch in the North of Yen Bai is a matter of practical significance in the current situation.
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From the above comments, the researcher has chosen the research topic: "A Study on Factors Affecting Competitiveness in Capital Raising Activities of a State- owned Bank branch in the North of Yen Bai from 2021 to 2022."
The aims of this work are:
(1) General theoretical study on capital raising activities of the Agribank branch in the North of Yen Bai.
(2) Briefly introduce the business situation of the Agribank branch in the North of Yen Bai in the period of 2021 - 2022.
(3) Survey to collect data and analysis this data.
(4) On that basis, propose solutions to increase capital raising most effectively at this branch.
Question 1: What are some factors affecting competitiveness in capital raising activities of the Agribank branch in the North of Yen Bai in the period of 2021 - 2022?
Question 2: How much do these factors affect competitiveness in capital raising activities of the Agribank branch in the North of Yen Bai in the period of 2021 - 2022?
Question 3: What are some suggestions for promoting the competitiveness in capital raising activities of the Agribank branch in the North of Yen Bai?
(1) Some factors affecting the competitiveness of capital raising activities of the Agribank branch in the North of Yen Bai.
(2) Research scope: Capital raising activities of the Agribank branch in the North of Yen Bai.
(3) Contents: factors affecting capital raising activities and some proposing solutions.
(4) Time: Data will be collected within 2 years, from 2021 to 2022
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After joining the WTO, Vietnam's commercial banking system has made positive changes in quality and quantity, has more development opportunities, and confronts fierce global competition In the face of such competition, Vietnamese banks have no choice but to find suitable policies to attract customers and improve competitiveness to capture market share, in which competition over raised capital is also taking place fiercely Because capital is the central and most crucial factor of commercial banks, at the same time, it is also a decisive factor to all activities of economic activities in general and commercial banks In particular, the Agribank branch in the North of Yen Bai was officially upgraded to a type I branched in 2019 However, as a young bank branch in the new competitive environment, the branch has had particular successes If it does not increase capital raising, maintaining its position and continuing to develop will be challenging Stemming from recognizing the critical role of raised capital, in recent years, the Agribank branch in the North of Yen Bai has had long-term capital attraction plans It has achieved encouraging results, although there are still common difficulties in capital raising activities Therefore, improving the efficiency of capital raising is a matter of great interest to the Agribank branch in the North of Yen Bai shortly.
The research will use quantitative methods to measure, rank, and classify models and draw general conclusions The survey will take place online via the internet To increase its affection in answering questions, the testing process uses the Google Form tool, which collects opinions from survey participants by rating the scale from 1 to 5. The survey consists of forty-three questions (including survey participant information). The survey subjects are at least 100 people who have deposit relations with the Agribank branch in the North of Yen Bai The survey aims to assess the influence of groups of factors on customers when choosing capital raising services of the Agribank branch in the North of Yen Bai From there, it can conclude which factors will affect the competitiveness and their influence on the capital raising activities of the Agribank
Tran Lam Khanh Linh — 11205894 — Business English 62C branch in the North of Yen Bai After collecting the survey results, the researcher will use SPSS software to analyze the influence of each factor on the competitiveness of the capital raising activities of the Agribank branch in the North of Yen Bai.
The research will also use the method of collecting data from internships The collected data is quoted from the actual business results report of the Agribank branch in the North of Yen Bai for 2021 and 2022 The purpose of data collection is to discover the problems that the capital raising activities at the Agribank branch in Yen Bai are facing From there, the researcher determined what factors affect the competitiveness of capital raising activities at the Agribank branch in the North of Yen Bai.
Finally, the researcher will conduct direct interviews with finance and banking experts to assess the influence of the factors and offer suitable solutions for the Agribank branch in the North of Yen Bai The interview will have five questions, including the expert's personal information, the expert's assessment of the collected survey results as well as the influence of the selected factors The interviewees included two experts, including a lecturer at National Economics University and a manager of the Agribank branch in the North of Yen Bai.
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INTRODUCTION ABOUT THE AGRIBANK BRANCH IN THE 9) 00509)5045)8:7 1011 3531
Overview of the Agribank branch in the North of Yen Bai - s5 16 1 Overview o0 0e
Agribank is the name of the Vietnam Bank for Agriculture and Rural Development, which was formed by Ministerial Decree No 53-HDBT on March 26,
1988 (now the Government) During the course of 33 years of building and growth, Agribank has consistently reaffirmed its place and function as one of the top commercial banks in Vietnam, going through each development phase with names linked with various missions assuming the lead in carrying out monetary policy, aiding in macroeconomic stability, reducing inflation, promoting growth, constantly assisting in the development of agriculture, farmers, and rural areas, and making numerous positive contributions to the process of economic restructuring, new rural construction, and social security assurance.
In the early stages of operation with a low starting point, total assets were less than 1,500 billion VND; total capital was 1,056 billion VND, of which mobilized capital accounts for 42%; total outstanding loans were 1,126 billion VND; and the bad debt ratio was over 10%; customers were state-owned enterprises and cooperatives, the majority of which are losing money, merging, dissolving, self-disbanding, and more. Following 33 years of development and expansion, Agribank is currently the largest state-owned commercial bank in Vietnam and the only commercial bank where the State owns 100% of the charter capital Agribank, which has almost 40,000 employees, has nearly 2,300 branches and transaction offices in all areas and is the sole commercial bank present in 9 out of 13 island districts By the end of 2021, Agribank's total assets will be VND 1.68 trillion; its capital sources will be VND 1.58 trillion; and its total outstanding loans to the economy will be VND 1.31 trillion, with the majority of these loans - nearly 70% of them - going to finance agriculture, farmers, and rural development.
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Agribank has received several accolades from international organizations and has been ranked among Vietnam's Top 10 Most Prominent Businesses Agribank was honored to receive the First-class Labor Medal, the highest honor bestowed by the Party and the State of Vietnam to collectives for exemplary contributions, especially on the 30th anniversary of its founding on March 26, 2018 Labor had a significant role in the nation's building, with great accomplishments promoting the economic growth of farmers, rural areas, and agriculture during the reconstruction era.
Agribank's current priorities include successfully completing the second phase of restructuring linked to speeding the implementation of the Agribank equitization plan, and successfully implementing the Business Plan for the 2016-2020 term with a view to 2030 The Prime Minister's Decision states that it continues to hold its position and play a crucial role in the agricultural and rural finance markets, actively supporting the socioeconomic growth of the nation.
1.1.2 Business results of the Agribank branch in the North of Yen Bai for the period of 2021-2022
In 2021, the country's economy faced unprecedented difficulties and challenges due to the impact of the 4th wave of the Covid-19 pandemic (starting from April 27, 2021), such as GDP quarter II/2021 -6.17% (quarter with negative GDP growth for the first time since 2000); GDP growth in 2021 is 2.58% lower than 2020 (2.91%) and the lowest increase in the recent decade Along with the general difficulties of the whole industry, business activities in 2021 of the Agribank branch in the North of Yen Bai will be significantly affected but still ensure stability However, all indicators have growth and completion into 5/5 of planned targets.
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Table 1.1 The Growth of Capital in 2020-2021
THE GROWTH OF CAPITAL IN 2020-2021
T1 T2 T3 T4 T5 T6 T7 T8 19 T10 T11 T12 meee Growth of Capital in 2019 gees § Growth of Capital in 2020
Growth of Residental Deposit in 2019 “= = Growth of Residental Deposit in 2020
Source: Summary report on business activities of the Agribank branch in the North of
The total raised capital (including USD converted to VND, excluding long-term bonds, deposits with the State Treasury, and deposits with credit institutions) as of December 31, 2021, reached VND 4,267.5 billion, an increase of VND 743.9 billion, 1.e., 21.1% compared to the beginning of the year; reaching 240.4% of the growth plan, reaching 111.1% of the 2021 plan Residential deposits reached VND 3,961.4 billion, an increase of VND 568.8 billion, up 16.8% compared to the beginning of the year All branches have exceeded the 2021 plan assigned by the Agribank branch in the North of Yen Bai The total raised capital in 2021 will reach VND 3,893.6 billion, 101.6% of the average capital source plan in 2021 assigned by the Head Office The average money per employee in 2021 will reach VND 21.6 billion per staff, an increase of VND 2 billion/team compared to 2020 As of December 31, 2021, there were 90,616 deposit- related customers, increasing 14,194 customers meant 18.6% compared to the beginning of the year The number of customers who are individuals and households was 89,482, an increase of 14,100 customers (up 18.7%) compared to the beginning of the year; customers are socio-economic organizations (socio-economic organizations) 1,134 customers, an increase of 194 customers (up 20.6%) compared to the beginning of the year Three branches with deposit customers increased higher than the average of the whole branch, including the Yen Binh branch (up 3,715 customers, up 19%), Van
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Yen branch (up 5,048 customers, up 23%), and Luc Yen branch (up 4,013 customers), increasing 20%); deposit-related customers at Head Office increased lower than the average of the whole branch (up 1,418 customers, up 9% compared to the beginning of the year).
Table 1.2 The Growth of Capital in 2021-2022
——te Growth ofCapital in 2021 ——z— Growth ofCapital in 2022 m—— 0.5 and sig Bartlett's Test = 0.000 < 0.05 According to the rotation matrix's findings, there are no undesirable variables among the 25 observed variables that are grouped into four factors and have Factor Loading coefficients larger than 0.5 Thus, the EFA analysis was run twice for the independent variables Eleven observed variables that did not satisfy the criteria were deleted for reanalysis, and for the first time, 31 observed variables were included in the analysis Twenty observable variables converged and separated into four components in the second (final) analysis.
Principal axis factoring and Varimax methods show the following results: The first group of factors includes five observed variables; the content of these five variables represents the content related to the prestige of the Agribank branch in the North of Yen Bai, so name the Ist element Re The second group of factors includes five observed variables; the content of these five variables has the common characteristic of talking about the timely responsiveness of the bank's needs, so naming this factor is Responsiveness The third group of factors includes five observed variables; the content of these five variables represents the content related to the responsibility and service spirit of employees, so the third factor is named Empathy Level The fourth group of factors includes five observed variables; the content of these five variables has the
Tran Lam Khanh Linh — 11205894 — Business English 62C common characteristic of talking about equipment and facilities to serve customers, so the name of this factor is Physical Facilities.
Table 4.20 The outcome of Regression analysis’ statistics a Predictors: (Constant), PhysicalFacilities, Responsiveness, Reliability, EmpathyLevel b Dependent Variable: Result
(Source: Survey results from researcher)
Table 4.21 The outcome of Regression analysis’ statistics
Model Squares Square b Predictors: (Constant), PhysicalFacilities, Responsiveness, Reliability, EmpathyLevel
(Source: Survey results from researcher)
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Table 4.22 The outcome of Regression analysis’ statistics
(Source: Survey results from researcher) The researcher postulates H0: R2 = 0 to evaluate the regression model's fit This hypothesis is examined using the F test The F-test results are displayed in the ANOVA table to assess the fit hypothesis for the regression model The regression model is appropriate because the F-test sig value is 0.000 0.05.
Always dispersed, the data points often do not resemble a straight line The difference between the estimated and real values is always there, hence nearly no straight line can pass through all of the data points The bias and fit of the linear regression model to the data set must be calculated by the researcher The coefficient of determination R2 (R square) in the Model Summary table is a frequently used indicator of how well a linear regression model fits data According to the adjusted R2 value of 0.453, the independent variables included in the regression analysis account for 45.3% of the variance in the dependent variable, while random errors and factors outside of the model account for the remaining 54.7%.
In the Coefficients table, the researcher finds a factor Sig < 0.2: Reject the hypothesis HO; that is, the regression coefficient of the variables PhysicalFacilities, Responsiveness, Reliability, EmpathyLevel are statistically significant and impacts the dependent variable Therefore, the researcher concludes that all of four groups of factors
Tran Lam Khanh Linh — 11205894 — Business English 62C has the important impact on the competitiveness of the capital raising activities of the Agribank branch in the North of Yen Bai.
Therefore, the researcher builds a regression model of the form:
Y¡i =BIXI + B2X2 ++ B3X3 + B4X4 Yi: The Dependent Variable (Result)
XI: Reliability X2: Responsiveness X3: EmpathyLevel X4: PhysicalFacilities After processing the data, the researcher found that the empathy level is the factor that has the most significant impact on customer satisfaction (B=0.316) The physical facilities factor is the second most influential factor, with B=0.271 Reliability and responsiveness are the third and fourth influential factors, respectively.
4.5.1 For Reliability of the Agribank branch in the North of Yen Bai
4.5.1.1 Enhancing the reputation of the branch
The lecturer at National Economics University suggest that the Agribank branch in the North of Yen Bai should promote propaganda and widen advertising banking services, forms, and policies of capital mobilization, deposit attraction, and more So that most people know about the benefits of such services (security, safety, convenience, and profitability).
Besides enhancing the reputation of the branch, to help the Agribank branch in the North of Yen Bai create a closer impression with customers, the lecturer also suggest the IT department at the branch research to send congratulatory messages or send employees to give gifts on the occasion of the customer's birthday, the day set up a business, and more Depending on the importance of each customer, classify and have different congratulatory forms such as congratulatory SMS, flowers, and gifts.
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The target customers of the program can be:
(1) savings customers (2) managers of businesses with both large and regular transactions (3) customers with credit relationships who make and use products and services of the Agribank branch in the North of Yen Bai.
According to the lecturer, the Agribank branch in the North of Yen Bai can use messages to conduct the marketing program for products and services To attract customers’ attention to Vietcombank's new products and services, whenever there are new products, especially sweepstakes, savings, and free card issuance, the branch will message customers who have been transacting at the Agribank branch in the North of Yen Bai to introduce products and services to create significant effects The program implementation period is every time there are new products and services and is applied to all customers who have registered phone numbers on the database of the Agribank branch in the North of Yen Bai.
“Banks need to have more savings depositors”, the lecturer said Sources from schoolchildren, students, and small traders can create significant balances, which is a cheap capital source The amount of the deposit is not as significant as the weekly and monthly deposit to encourage the spirit of savings and let the population get used to using banking services The application of these forms is relatively common in developed countries In Vietnam, banks have not paid much attention to these subjects, so the Agribank branch in the North of Yen Bai should set up raising and lending teams (need about 2 to 3 people) located at big markets, colleges, universities, or commercial centers to serve the above subjects Thus, building a customer strategy is vital in determining the expansion or contraction of a bank's operations Therefore, in implementing the bank, it is necessary to have a long-term vision and pursue long-term benefits.
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4.5.2 For Responsiveness of the Agribank branch in the North of Yen Bai
The Head of Individual and Household Customer Department stated that the task of banking activities is to attract many customers of each population class with different incomes, psychology, and interests, so applying marketing principles in customer relationship management goods has a significant meaning It is a business strategy to link and coordinate people with communication skills with optimal processes and modern technology to balance two benefits: the bank's profit and the satisfaction of the customer maximum Given the reality of its retail operations, to do well in marketing, the Agribank branch in the North of Yen Bai needs to take the following measures:
(1) Consulting and supporting the conductor to carry out procedures related to depositing money, instructing people on how to use their money wisely, and helping people understand the role and utility services of the bank.
CONCLUSION o.oo ceccssecssecseesseessecssecseesseessecseesseesseeaeeseesseesseesnees 23 5.1 Summary of findings
Limitations Of Study . G - SH ST TH ng HH 23 5.3 Suggestions for further SfUCẽIGS .- - c 131121119111 9111 H1 vn ng vn ng 24
The researchers have spent considerable time studying factors affecting competitiveness in capital raising activities of the Agribank branch in the North of Yen Bai from 2021 to 2022, however, limitations are inevitably.
First, the scope of this research is only in the Agribank branch in the North of Yen Bai campus, with most survey participants are people who are having a deposit
Tran Lam Khanh Linh — 11205894 — Business English 62C relationship with the branch As was the case in this instance, the paucity of response prevented us from adequately generalizing the findings to a wider sample of customers.
Secondly, the research is used to analyze and evaluate the effectiveness of commercial banking business, especially the capital raising activities only After all, the business activities of commercial banks are considered as a separate business field and cannot be equated with other types of private businesses.
To summarize, the above difficulties might be resolved and serve as a platform for future research.
The researcher might make some recommendations for more research based on the drawbacks outlined above The researcher hopes it serves as a roadmap for future academics interested in expanding on our work.
First, rather than using only online surveys for customers, the researchers hope that future researchers may collect data by expanding the use of different methods to collect information If possible, the evaluation will be more effective in terms of both quantity and quality Secondly, various versions of this research can be used to assess capital raising in other commercial banks, other places, and other period; especially for branches of Agribank in other localities.
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I Could you please provide the following general information
1 Your gender: a Male b Female c Pretend not to say
2 Your age: a Under 25 years old b From 25 - 40 years old c From 40 - 60 years old d Above 60 years old
3 Your career: a Official b Employee c Free trader d Being retired e Others:
II Could you please provide the following information about the relationship between you and the Agribank branch in the North of Yen Bai.
1 How long does you have a deposit relationship with the Agribank branch in the North of Yen Bai? a Under one year b From | to 3 years c Above three years
2 Through which channel did you know the Agribank branch in the North of Yen Bai? a Television, newspapers b Friends, relatives, c Others:
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3 How much is the average monthly income of you? a Under 4 million b From 4 to 8 million c Above 8 million
4 According to you, what is the most essential factor in choosing a bank to deposit money? a High-interest rate b Convenient transaction location c The appropriate form of capital raising d Bank staff good service e Others:
