current situation of capital mobilization at agribank bank cho con south da nang branch

Recognizing the importance and urgency of this matter, after a period of practice, research at Vietnam Bank for Agriculture and Rural Development Agribank Cho Con- Nam Da Nang Branch wou

HUE UNIVERSITY INSTITUDE OF OPENEDUCATION AND INFORMATION TECHNOLOGY

Student: Lé Ba Tuan Trinh

Class: English Language — DN 2019

Da Nang, 10/2021

NGAN HANG NONG NGHIEP VA CONG HOA XA HOI CHU NGHIA VIET NAM PHAT TRIEN NONG THON VIET NAM Doc lap — Ty do — Hanh phúc

CHI NHANH CHG CON NAM DA NANG

PHIEU NHAN XET THUC TAP CUOI KHOA

Năm học 2018 — 2022

Họ và tên sinh viên: Lê Bá Tuần Trình

Ngày sinh: 01/06/1990 Nơi sinh: Thanh Khê, Đà Nẵng

NHAN XET VA KET QUA THUC TAP I Về công tác tìm hiểu thực tế ở cơ quan thực tập

Kết quả điểm (tối đa 20 điểm):

Il Về công tác thực tập Biên — Phiên dịch

Kết quả điểm (tôi đa 50 điểm):

II Nhận xét chung (Ưu điểm, Khuyết điểm, Triển vọng)

Kết quả thực tập (I+ID:

Đà Nẵng, ngày — tháng năm 2021

Thủ trưởng đơn vị (Ký tên, đóng dau)

DAI HOC HUE CONG HOA XA HOI CHU NGHIA VIET NAM VIEN DAO TAO MO Doc lap — Tw do — Hanh phic vA CONG NGHE THONG TIN

PHIEU NHAN XET KET QUA THUC TAP TOT NGHIEP

Ho va tên sinh viên: Lê Bá Tuấn Trình

Ngày sinh: 01/06/1990 Lớp: A

Ngành: Ngôn Ngữ Anh I Nhận xét của giáo viên hướng dẫn:

1 Việc đảm bảo tiễn độ thực tập của sinh

2 Nội dung thực tập:

Giáo viên hướng dẫn

(Ky duyét)

INTRODUCTION

Since the implementation of the policy for renovation and opening the economy, the Vietnamese economy has shifted from a centrally planned to a market-oriented model The state has achieved very important and significant achievements Vietnam's current economic line 1s "to continue to develop a multi-factor economy, operate under a market economy controlled by the socialist-oriented state.” In the economic development strategy to 2020, the goal set by the Party and State is the cause of industrialization and modernization This 1s an important goal in the process of rising out of the economic backwardness compared to other countries in the region and the world

In order to achieve industrialization and modemization, "capital" is one of the leading factors In general, there are two types of capital sources that can be attracted: domestic and foreign capital In which domestic capital plays a key role, foreign capital is important.Domestic capital is abundant but there is a problem: how to open, attracted? In fact, in today's competitive economy, there are so many different entities, through different pathways, capable of providing capital to meet the demand for capital However, one thing that can not be denied is the mobilization of capital through financial intermediaries - commercial banks (CB) - is the most important channel, most effective because in the economy, CB are considered medium biggest finance, most important The economy of a country only develops at a high and stable rate when it has proper financial and monetary policies and the banking system is strong and effective, capable of attracting and concentrating Capital sources and efficient allocation of capital resources into manufacturing industries

Recognizing the importance and urgency of this matter, after a period of practice, research at Vietnam Bank for Agriculture and Rural Development (Agribank) Cho Con- Nam Da Nang Branch would like to learn more about mobilization The capital of the branch, she bravely chose the topic: "Solutions to improve the quality of capital mobilization at Agribank Cho Con- Nam Da Nang Branch" is a graduate subjec

1 2

3 A: GENERAL INFORMATION Full name : Lé Ba Tuan Trinh

Class: A Institude Of Openeducation And Information Technology Hue University

About Practice guidelines Name: Vietnam Bank for Agriculture and Rural Development (Agribank) Lending agency: Cho Con commercial branch of South Da Nang Agribank Implementing Agency: Cho Con commercial branch of South Da Nang Agribank Project title: Finance-banking

Manager of Agribank: Mr Nguyen Thanh Long Project office :114 Nguyen Tn Phuong Street, Da Nang city Tel: 0236.3689106

E-mail address: agribankchocon@gmail.com Fuction and duties of agency practice guidelines Vision Agribank's Vision

Agribank is developed in the direction of modern banking with the vision of "growth - safety - efficiency - modernity" With this vision, the bank wants to affirm the role of businesses in credit investment for agricultural, farmer and rural development As well as being able to compete with domestic enterprises, along with international integration activities

Mission: "Agribank Bring prosperity to customers" Agribank wishes to bring prosperity to customers Therefore, the business itself also clearly identifies the customer as the focus, the foundation of all activities The business has been improving the quality of the business The company team as well as customer relationship management in the best way

Agribank shows its professionalism in balancing the relationship of interests between the parties - customers, businesses and shareholders In addition, the bank itself has

been paying attention to social issues Trying to support social security, showing the responsibility of a big business to the country

Agribank services and facilities Send money to Agribank

When depositing money at Agribank, customers will have a variety of choices with many different terms and forms of receiving interest With simple procedures will bring satisfaction to customers In particular, Agribank is one of the banks with high and attractive savings interest rates

Borrowing from Agribank People can easily apply loan services at all branches of Agribank Simple procedures and incentives for farmers Agribank offers customers appropriate loan packages with great value

Electronic banking As a development-oriented bank of a modern bank Agribank has a professional staff to develop its e-banking system With an interface that optimizes its advantages, the bank provides users with utilities such as SMS Banking, Internet banking, E-Mobile Banking, Bank Plus, etc.These services help Agribank e-banking users to have a convenient and enjoyable experience Customers have the ability to manage their accounts anytime, anywhere Easily transfer and receive money without having to go to the bank;branches Especially, just by simple operations without having to wait at the bank Agribank e-banking saves maximum effort and time for customers Satisfaction guaranteed

Practice tranning duration: 05/07/2021 — 30/10/2021 B: PRACTICE REPORT

ASSIGNED WORK

3.1, LEARNING THE REAL TRANSLATION, INTERPRETER AT COMMERCIAL AGRIBANK

Be familiar with office work Sorting files, documents, stamped documents Translate all

Typing text Photo documentary

3.2 THE WORK WAS DONE During my practicum, I have complete all assigned work and comply with the provisions of the internship agency Having a opportunity to work in the professional working environment and a dedicated guidance of everyone in the organization officials I was assigned to work to office work as well as work-related subjects of my interpreters Moreover, I was lucky to be involved in the trip to the project are, from this trip I had many experiences and learned many new things Along with the help of my tutor internship via the comments on the weekly report, I can tell what I achieved and what I lacked Since then, I am aware of and complement the skills deficit, to perfect myself

3.3 THE WORK WAS NOT DONE

I learned that when translating a certain text to be really focused and not get distracted on other things Pre-need to learn about document translation, see it in the field to have prepared in advances as to find dictionaries, specialized vocabulary to help faster and more accurate service When translated to note analyze sentence structure to which readers care so understandable or not misunderstood the content of the original text When encountering difficulties in the process of compilation translation should not be confused or negligent but should consult with experienced people, which will have the correct translation and unsatisfactory

3.4 LESSON LEARNED

Translating and interpreting is something I do in addition to my main job I| also conduct some office work so that they can learn how to organize and manage documents, how to use office software, and how to prepare work records and documentation for business trips and checks

Fun, amiable, agility, and excitement are very significant characteristics in the communication environment with the organization's workers, I discovered, as they assist establish a pleasant mood, intimacy between individuals, and enable work to be carried out better and easier

3.5 SELF-ASSEMENT

Pros Maintain a strong sense of discipline Work hard, never stop learning, and actively seek for solutions to difficulties at work Due to my limited practice time, I was able to quickly become acquainted with the atmosphere and understand the work of the agencies

I immediately grasp the work at hand and finish it on time I have a hard time thinking in terms of ecosystems Cons

I was occasionally perplexed as to how to apply the knowledge I had gained to operate

in a flexible manner

My capital experience in document translation was insufficient to overcome the flaws

ABSTRACT My report was written at Agribank Cho Con- South Da Nang Branch I worked as a employee who is responsibility for capital mobilization During the internship, Ï was assigned to analyze the situation of capital mobilization at the bank I used several methods such as analytical methods, comparative methods, synthesis methods and

SWOT diagrams for process Thereby proposed some solutions for the bank and for the state

The topic consists of five chapters: Chapter 1: Agribank’s main information Chapter 2: Actual activities in Agribank Cho Con- South Da Nang Chapter 3: Solutions to improve capital-efficiency activities at Agribank Cho Con-South Da Nang

Thanks to the Board of Directors and staffs at the Planning department of Agribank Cho Con — South Da Nang Branch who helped me to complete the report

TRANSLATION FROM ENGLISH TO VIETNAMESE CHAPTERI: AGRIBANK°S MAIN INFORMATION Name of business : Vietnam Bank for Agriculture and Rural Development Establishment date : August 1988

Headquarters : 02 Lang Ha, Ha Noi, Vietnam

In the early days of its establishment with a low starting point, the total assets of less than VND 1,500 billion; total capital of VND 1,056 billion, of which 42% was mobilized capital, the remaining 58% was borrowed from the State Bank; total outstanding loans of VND 1,126 billion; NPL ratio of over 10%; Customers were state-owned enterprises and cooperatives, most of which were unprofitable, merged, dissolved, and disbanded themselves, etc 31 years of development, to date, Agribank is the leading state-owned commercial bank in Vietnam, being the only commercial in which the State holds 100% of charter capital

Agribank has nearly 2,300 branches and transaction offices present in all regions of Vietnam, being the only commercial bank present in 9/13 island districts with nearly 40,000 employees As of September 30, 2019, Agribank total assets reached VND 1,398,110 billion; mobilized capital reached VND 1,285,356 billion; credit and investment reached over VND 1,120,000 billion Outstanding loans in agriculture and rural areas always account for over 70% of total loans and over 50% of agricultural and rural credit market share in Vietnam

As one of the state-owned commercial banks playing a key role in the banking system, Agribank always promotes the pioneering and exemplary role of a State-owned commercial bank in leading the system of credit institutions to strictly and effectively implement the national monetary policy and policies of the Party and the State on monetary and banking issues, especially credit policies for agricultural and rural development Agribank is effectively implementing seven policy credit programs (lending under credit policies for agricultural and rural development; lending to households and individuals through loan/affiliate groups; lending under the support policy to assist in reducing agricultural losses; Lending for cattle and poultry farming; lending for coffee replanting; lending under fisheries development policies; Preferential credit for "Clean agriculture") and two National Target Programs (New Rural Construction, Sustainable Poverty Reduction)

Agribank currently offers over 200 convenient banking products and services, improving access to banking services for the economy, especially in agriculture and tural areas, thereby making a positive contribution to the process of accelerating non- cash payments in Vietnam and the implementation of the National Strategy for Financial Inclusion

By proactively making credit investments and providing convenient banking products and services, Agribank is opening opportunities for millions of Vietnamese farmers to have access to leading agricultural technology in the world, successfully applying the industrial revolution 4.0 to production and business, contributing to Vietnam's agriculture making great strides in joining the global playing field

Besides business activities, Agribank has paid considerable attention to social security support with many long-term funding projects and programs nationwide, showing the sense of responsibility to the community, actively contributing to the implementation of the National target program on sustainable poverty reduction and new rural construction under the guidelines of the Party and State

Over 33 years of development, Agribank has maintained a stable growth in terms of size, structure, quality and operational efficiency For many consecutive years, Agribank has been in the Top 10 largest enterprises in Vietnam and won many awards from international organizations Especially, on the occasion of the 30th anniversary of its establishment on March 26, 2018, Agribank was honored to receive the First- Class Labor Medal - the highest award of the Party and State of Vietnam to an organization for its contribution to the cause of national construction and for outstanding achievements in serving agriculture, farmers, and rural economic development in the Doi Moi era

In 2019, Agnibank was assigned first-time Ba3 deposit and issuer ratings by Moody’s Investors Service which is the highest rating for commercial banks in Vietnam Agribank was ranked 142/500 largest banks in Asia in terms of asset size Agribank is currently focusing on effectively implementing the Business Strategy for the 2016- 2020 period, with a vision to 2030, successfully implementing the phase 2 restructuring associated with the task of speeding up the implementation of the Agribank equitization plan under the Prime Minister's Decision, maintaining its leading position in the agricultural and rural financial market, making positive contributions to promoting socio-economic development of the country

1.1.1 Development of Vietnam bank for Agriculture rural Development 2020

As of December 31, 2020, total assets reached over VND 1.57 million billion; capital source reached over 1.45 million billion dong; total outstanding loans to the economy reached over 1.21 million billion VND, of which nearly 70% of outstanding loans were for agricultural and rural development investment

In 2020, Agribank continues to be confirmed as the Champion of commercial banks honored at the 8th position in the VNR500 Ranking; was announced by the international credit rating agency Moody's that Agribank's rating is Ba3, equivalent to the national credit rating and the highest rating for commercial banks in Vietnam Agribank ranked 190th — the highest ranking among Vietnamese banks in the Brand Finance Banking 500 ranking Agribank received the 2019 Outstanding Standard Payment Rate Award by The Bank of New York Mellon Agribank received 03 awards awarded by Asian banking & Finance (Bank with social responsibility and Green program of the year (second prize in Asia Pacific region); bank with payment application solutions on the Internet best phone of the year (Vietnam range); Agribank was honored to win the Top 10 prestigious Vietnamese commercial banks in 2020; TOP 3 largest tax payers in Vietnam in 2019; Vietnam National Brand 2020 Agribank continues to win the Bank for the Community Award 2020 for its positive contributions to supporting the community through policy credit programs, social

security activities, etc In addition, the automatic bank Agribank AutoBank CDM 24/7 also excellently won the Sao Khue award for the best software/system in the field of Banking and Finance in 2020 Agribank received a certificate of merit for its efforts in connecting and providing payment services on the National Public Service Portal in 2020 Agribank was awarded many noble titles at the 8th National Congress of Banking Industry Patriotic Emulation in the period of 2020 - 2025

2017 Focusing on promoting the implementation of the E-Banking project to build a complete multi-channel service platform, enabling customers to use banking services through many different channels, especially Internet Banking and Mobile Banking Implementing Resolution No 30/2017/NQ-CP of the Government on a credit package of VND 100,000 billion for clean agriculture from commercial loans, Agribank has spent VND 50,000 billion to implement the program, with interest rates for loans reduced by 0.5%-1.5%/year compared to the preferential lending interest rates for the agricultural and rural sector according to current regulations of the State Bank and Agribank

2010 June 28 Officially opened a branch in Cambodia July 16

Agribank has issued Decision No 881/QD-HDQT-TDHo dated on promulgating regulations to implement Decree 41 on lending to production households and small and medium enterprises in the field of agriculture and rural areas The total outstanding loans of this sector are always at 70% of the total outstanding loans of the whole system

December Agribank was honored by MasterCard International at the "MasterCard Hall of Fame 2010" award ceremony

Agribank issued 2.1 million cards in 2010 alone, bringing the total number of cards to more than 6.3 million cards, affirming its position as the number | bank in Vietnam in the field of cardholder development

The Board of Directors of Agribank issued Decision No 1269/QD-HDQT promulgating the Charter of Organization and Operation of the Bank for Agriculture and Rural Development of Vietnam, approved by the State Bank of Vietnam in Decision No 2339/QD-NHNN dated October 5, 2010 replaced the Charter of Organization and Operation of Bank for Agriculture and Rural Development of Vietnam according to Decision No 117/QD/HDQT-TCCB dated June 3, 2002

2000 September The electronic money transfer system applying advanced technology has been operated at 9 branches including: Exchange, Hanoi Bank, Exchange I, NHNo Ha Tay, NHNo Lang Ha, Exchange III (Bank of Da Nang) Danang), Transaction Office II (NHNo Saigon), NHNo Can Tho, NH 50 Ben Chuong Duong

December 20

Agriculture Bank Securities Joint Stock Company (Agriseco), one of the first securities companies operating on Vietnam's stock market, was established under Decision No 269/QD/HDQT of Agribank

In the year 2000 Agribank's Board of Directors has built a vision and development strategy until 2010 with the business motto and philosophy: "Bringing prosperity to customers” End of 2000

Agribank has developed more than 2,300 branches across the country November

The General Director of Agribank issued Document 1022/NHNo-06, adding that borrowers up to 10 million VND do not have to mortgage their assets, including

planting long-term crops, tea, coffee, rubber, cashew, and valuable fruit trees High value, farm economy

1990 May 24 The President of the State Council of the Socialist Republic of Vietnam has announced the Ordinance No 37-NTC/HDNN promulgating the Ordinance on the State Bank of Vietnam and the Ordinance No 38-NCT/HDNN promulgating the Ordinance on Banking banks, credit cooperatives and financial companies, in order to reorganize and put the banking system into operation in accordance with the requirements of commodity production, to ensure the safe development of the currency, harmonize the effective use of money, promote the dynamic and orderly development of the market economy

November 14

Decision No 400/CT of the Chairman of the Council of Ministers on the establishment of the Vietnam Agricultural Bank changed the name of the Vietnam Agricultural Development Bank to the Agricultural Bank of Vietnam

December The Government of Vietnam and the European Community (EC) signed an Agreement on EC Funding project "Repatriation and reintegration program" including 6 Programs: Health, Training (vocational), Enterprise Small businesses, Projects, Information and propaganda, Credit, in which Credit is the most important program with the most capital After surveying many commercial banks, the EC decided to choose the State Bank of Vietnam as the first bank to implement the project

1.1.2, Merits and award International awards 2020

Agribank is recognized for its achievements in connecting payment service providers on the National Public Service Portal Sao Khue Banking Sector 2020 Agribank - Top 10 prestigious Vietnamese commercial banks m 2020 Agribank - Vietnam National

Brand 2020 Agribank - TOP 3 Vietnam's largest tax payers in 2019 Agribank received 03 awards from Asian banking & Finance awarded Moody's for raising Agribank's long-term foreign currency deposit rating from B1 to Ba3, equal to Vietnam's national rating in 2020.Agribank continues to be affirmed as the Champion of commercial banks honored at 8th position in the VNR500 Ranking Agribank ranked 190th - the highest ranking among Vietnamese banks in the Brand Finance Banking 500 ranking

2017 The bank has had outstanding achievements in card activities awarded by the Vietnam Bank Card Association The leading bank in POS payment sales, POS payment growth rate of Visa International, JCB Award Sao Khue 2017 for two applications: Agritax Electronic Tax Payment Gateway and Cross-Border Payment System via Internet Banking CBS The Government's emulation flag according to Decision No 1724/QD-TTg dated 6/11/2017 TOP10 Ranking VNR500 — 500 largest enterprises in Vietnam in 2017

2016 Sao Khue Award 2016 for 2 excellent software applications in the field of finance and banking, namely Agribank E-Mobile Banking and Chip card issuance and payment system according to EMV standard The bank ranked first in the banking system Vietnam Commercial Bank in the VNR500 Ranking Bank with the best microfinance services in Vietnam awarded by The Asian Banker magazine as the best bank in agriculture and rural development investment in Southeast Asia by The Asian Banker magazine Global Banking and Finance Review awarded the Best Bank in terms of ATM system and services awarded by Global Banking and Finance Review Magazine awarded Best Bank in Southeast Asia's social security performance awarded by Global Banking and Finance Review Magazine awarded the Bank with the most efficient ATM system awarded by NAPAS Top 10 Strong Enterprises in Southeast Asia at the

7th Mekong Forum Top 10 Trademarksprestigious title in Southeast Asia at the 7th Mekong Forum

2015 Top 10 Famous Vietnamese Brands and Most Famous Brands by Industry Award “Bank for the Community 2015” Certificate of Merit from the Government according to Decision No 2547/QD-TTg dated December 31, 2015 Award payment quality from the world's leading partner banks such as Wells Fargo, JPMorgan Chase, Standard Chartered Bank Received the service quality award from Bank of New York Mellon for the 6th time in a row

2010 Top 10 "Vietnam's largest enterprises” according to the ranking of Vietnam report

(VNR500)

2005 Third Class Independence Medal according to Decision No 153/QD/CTN dated May 22, 2005 Collective Labor Heroes for Agriculture and Rural Development Bank of Quang Xuong district, according to Decision No 63/2005/QD/CTN dated January 13, 2005

11.3 Agribank's identity and cultural characteristics Agribank cultural identity: "Honesty, Discipline, Creativity, Quality, Efficiency"

Honest Agribank

Straightforward: Agribank's officers and employees agree between thinking and acting, being frank, daring to speak, dare to do, dare to take responsibility, speak together with action

Sincerity, seriousness: All thoughts and actions of Agribank officers and employees come from sincerity, sincerity, seriousness in thinking and behaviours

Transparency: Reflecting the truth, openly, clearly, building trust Discipline Agribank

Agribank's officers and employees seriously abide by the guidelines and guidelines of the Party, policies and laws of the State, internal rules and regulations of Agribank, contributing to building a socialist rule of law State nght in Agribank itself

Comply with internal rules, regulations, regulations, professional processes and management mechanisms from Head Office to branches, ensuring the principle of centralization, unity and discipline in governance

Complete the assigned tasks well, have a high sense of responsibility at work, strictly follow the instructions of the superiors

Comply with professional ethics rules and social ethical standards Creative Agribank

Agribank officials and employees are proactive, constantly learning, improving their professional awareness and creatively applying new knowledge into practice, successfully fulfilling their assigned responsibilities and tasks

Working hard to research, promote innovation initiatives, apply advanced science and technology, reform administrative procedures to bring maximum benefits to customers, partners, the community and the government Agnibank

Agribank officers and employees are given favorable conditions To promote their capacities, strengths, mitiatives and innovations to bring practical results to Agribank and to Agribank's customers and partners

Quality Agribank: Agribank officials and employees always improve and improve the quality of banking products and services, creating many products and services with high quality and competitiveness; Professional working style

Implement work to ensure compliance with requirements, processes and standards Work quality is a measure of the qualifications and dedication of each Agribank officer and employee

Friendly Agribank: Agribank officials and employees are friendly in communication, sincere in every gesture, word, and action

Closeness, openness, intimacy and sharing with colleagues, customers and the community

Agribank Gratitude: Agribank cares and cares about the maternal and spiritual life of officials and employees - Agribank officials and employees live meaningfully, with love, care, sharing and responsibility to society and the community

The next generation is grateful, remembers, inherits and promotes the achievements and contributions of the previous generations The previous generation cares, creates conditions and guides the next generation

Local Agribank: Agribank always accompanies the socio-economic development of the locality; closely associated with local Party committees, authorities and socio-political organizations

Agribank officials and employees are culturally knowledgeable, respect local customs and practices; Each Agribank officer and employee is an "Ambassador" for the tradition, culture and characteristics of each region and region where they work and

live

Agribank Tam Nong:

Born for agriculture, farmers, rural areas; Accompanying development is also from the word "Tam Nong", Agribank is attached to and tnes its best for the development of agriculture, farmers and rural areas in Vietnam

Why do we build and implement Agribank Culture?

Let Corporate Culture become a source of internal strength in business For Corporate Culture to become an executive management solution, contributing to strengthening the reputation and enhancing the position of Agribank domestically and internationally

Let Corporate Culture become the quality, ethics, living and working habits of employees, become Agribank's tradition, strengthen customers' sustainable beliefs, dominate market share, expand market, and improve the competitiveness of products and services in the domestic and international markets

How do we build and implement Agribank Culture? In accordance with Vietnamese laws and international conventions, inheriting and promoting Vietnamese cultural traditions imbued with national identity, integrating with advanced corporate cultures in the region and internationally in accordance with the policy , direction and direction of the State, State Bank and Agribank

Consistency, science, inheritance, practicality and development, in line with the pace of Agribank; There are specific programs and plans to implement the Corporate Culture that clearly define the purposes, requirements, plans and implementation solutions to ensure practicality, quality, thrift and efficiency

Regularly organize inspection, supervision, preliminary review, evaluation, comment, emulation and commendation on building Corporate Culture

1.2 INFORMATION ABOUT VIETNAM BANK FOR AGRICULTURE RURAL DEVELOPMENT, CHO CON- SOUTH OF DA NANG

Name: Agribank Cho Con- South Da Nang Branch Address: Road 114 Nguyen Tn Phuong, Chinh Gian Ward, Thanh Khe District, Danang City

Phone: 0236.3689106 - Fax: 0236.3893458 Construction and development is an indispensable process with The Agribank Cho Con - South Da Nang Branch to bring into full play existing potentials, meet the

requirements of political tasks and business objectives of the branch as well as the whole branch

Based on that, Agribank Cho Con- South Da Nang Branch was established under the Decision No 293/QD/HDTV-TCCB of the Chairman of the Board of Directors of Agribank Since September 24, 2013, Agribank Cho Con- South Da Nang Branch officially came into operation independent company in formulating strategy and business objectives in line with the orientation of The State Bank of Vietnam Branch location is head quarter in a place with densely populated, highly-educated people and stable average income near big economic organizations very convenient for the development of the Bank later

Parallel to the advantage is difficulty that is always true in all matters Agribank Cho Con- South Da Nang Branch also like only within a radius of 1km there are 20 other credit institutions operating Therefore, customers have more choices when deciding the relationship with the bank

Student: LeBa

1.2.1 Organizational structure 12.1.1 Functions Agribank Cho Con branch, south of Da Nang is a state-owned enterprise located in Thanh Khe district, Da Nang city performing the function of credit currency trading, small-scale service and implementing organization, receive capital and re-lend to all economic sectors in the city within the framework of Agribank's charter, in accordance with the policies of the state bank; specifically: capital mobilization services (term, non-term, certificates of deposit, etc), credit services (loans, guarantees, discounts, factoring etc), intermediary payment services, treasury services, international payment services, card services, foreign cURRency trading, agent services

1.2.1.2 Mission Capital mobilization:

Depositing and receiving deposits from organizations and individuals of all economic sectors in the country and abroad (payment deposits, term deposits, savings deposits, etc)

Issuing deposit certificates, bonds and performing other forms of capital mobilization in accordance with Agribank's regulations

Lending: Providing short-term, medium-term and long-term loans in Vietnam dong to economic organizations, individuals and households of all economic sectors according to the authorization decentralization

Guide customers to build projects, evaluate credit projects beyond their authority to submit to the superior Agribank for decision

Forex trading: Conduct foreign exchange transactions when permitted by the general director of

Agribank

Performing payment tasks inside and outside the Agribank system Abide by the vault regime, ensure the safety of cash, gold, silver, precious metals, gems and valuable documents, important prints and participate in the implementation of cash management

DIRECTOR

DEPUTY DIRECTOR DEPUTY

DIRECTOR

CREDIT DEPARTMENT DIEN BIEN PHU ACCOUNTING

TRANSACTION OFFICE

1.2.1.4, Functions and tasks of each department President: is the head of the branch, the person in charge of managing all business activities of the branch, who is the most responsible before the director of nam Da Nang branch and southern branch and general director of Vietnam department of agriculture and rural development

The president promptly communicates the necessary information, documents, guidelines, policies of the industry and its ordinances, the regulations of the industry and the state to the specialized departments in which the actual departments cURRent mode

The president oversees all business operations of the branch, who directly solves urgent issues in the branch's business activities

Vice president: is the person who represents the executive director in terms of business and is responsible to the director and the law for the work he has decided Department of planning - business: has the function of dealing with borrowers, guiding customers to carry out procedures, loan applications and is responsible for checking before, after lending so that no losses occur Risk to the branch

Accounting - treasury department: is responsible for dealing with customers, mobilizing capital from economic organizations and individuals, paying for overseas remittance, collecting and paying cash, transferring money and other payment services

The treasury division performs the tasks of collecting and distributing funds, safely managing the treasury, transferring internal capital and implementing the norm of fund reserve as prescribed

Transaction office: performing operations authorized by the branch director such as mobilizing capital of all economic sectors, providing credits, performing banking services

Administrative department: the focal point for customers to communicate, work at the branch Directly manage the seal of the branch, perform administrative work, receptionist documents

CHAPTER 2: ACTUAL ACTIVITIES IN AGRIBANK'S CHO CON BRANCH- SOUTH DA NANG

2.1 FORMS OF CAPITAL MOBILIZATIONS 2.1.1 Deposit payment

Current deposit 1s a demand deposit account deposited by organizations and individuals to account and pay interest in accordance with Agribank's regulations

Agribank takes deposits, manages, monitors balances and provides account services to customers safely and accurately

Benefit

For corporate customers:

Money in customers’ accounts will be safe and secure Deposit insurance and net interest income periodically Easily track and manage capital on the account Enterprises can use the form of cashless to pay for royalizing domestic services and international payments such as: bank transfer, payment order, collection order Pay salary for officials and employees quickly and safely

Save time and minimize risks For individual customers: Interest rates, simple procedures, personal information are kept confidential Transferrmg money from payment deposit accounts to savings accounts Customers can withdraw at any time

Subjects entitled to open deposit accounts: Individuals being Vietnamese citizens having civil legal capacity and civil act capacity under the Civil Code of the Socialist Republic of Vietnam, foreign individuals with civil legal capacity and civil act capacity according to the laws of the country in which that person is a citizen

For young people, people with incapable of civil acts, people with limited civil acts as prescribed by law: all procedures for opening and using deposit accounts shall go through guardianship , that person's legal representative

Vietnam containing group includes: economic organizations, socio-political organizations, other credit storage groups, etc., established and operating under the provisions of Vietnamese law

Foreign organizations, including: Economic organizations, socio-political organizations, other credit institutions established and operating under the provisions of Vietnamese law

2.1.2 Saved money Demand savings deposits: Agribank receives customers’ demand savings deposit in VND or USD, customers can deposit and withdraw at any time

Term savings deposit: Agribank is one of the leading commercial banks providing all kinds of customer savings deposit products in VND or foreign currencies, customer deposits are always safe and highly profitable

Issuing valuable papers Bonds and bank drafts are very flexible and open forms of capital mobilization By using these tools, banks can mobilize a large amount of capital and the banks have to pay higher interest rates for these types of deposits than deposit rates Thus, when mobilizing capital under these forms of mobilization, banks must base themselves on the decision to make the mobilized volume, interest rates and time limits, and methods of capital mobilization, which can only be mobilized During a certain period of time, banks will stop mobilizing (selling) bonds and promissory notes

2.2 BUSINESS PERFORMANCE OF THE BRANCH IN THE LAST 3 YEARS (FROM 2018 TO 2020)

2.2.1 Capital mobilization situation Although capital is not one of the most important factors for Agribank Cho Con , south of Da Nang, capital is one of the solid factors that contributes to the decision of scale Business operations and business performance of the branch

Looking at table 2.1 on the situation of capital mobilization of the branch over the three years from 2018 to 2020 for the mobilized capital of Agribank Cho Con-South of Da Nang, increased gradually over the years, the main source of capital mobilization from receiving deposits, in particular, term deposits accounted for the highest proportion and accounted for over 80% of the total mobilized capital of the branch

Mobilized capital in 2019 of the branch increased by VND 91,790 million compared to 2018 and increased by 27.68% respectively In 2020, the mobilized capital of the branch increased by VND 128,567 million compared to 2019, corresponding to an mcrease of 30.36% Specifically, the mobilized capital from receiving money from residents in 2019 of the branch increased by VND 83,912 million compared to 2018, corresponding to an increase of 27.57% and in 2020 this capital increased by VND 114,914 million, corresponding to the increase is 29.60% In particular, demand deposits in 2019 increased by VND 25,758 million compared to 2018, equivalent to an increase of 51.66% and 2019 increased by VND 7.329 million compared to 2017, equivalent to an increase of 9, 69% To achieve this growth rate, the branch took full advantage of demand deposits by issuing atm cards for customers who are students and employees Although this source is not stable, under the efforts of branches, this source tends to increase over the years In addition, the capital mobilized from term deposits of the branch also grew steadily over the years

omestic 320.786 96,72% 405.967 95,87% | 544.210 98,59% 85.181 |26,55% | 138.243 34,05% money

Currency 10.878 3,28% 17.457 4,13% 7.811 1,41% 6.609 |60,76% -9.676 -55,33% Classiied

by 331.664 100,00% | 423.454 100,00% | 552.021 100,00% 91.790 |27,68%| 128,567 30,36%

compone nts E financial

27.289 8,23% 35.167 8,30% 48.820 8,84% 7.878 | 28,87% 13.653 38,82% deposits

Residentia 304,375 91,77% 388,287 91,70% | 503.201 91,16% 83.912 |27/57%| 114.914 29,60% 1 deposits

Classified

331.664 100,00% | 423.454 100,00% | 552.021 100,00% 91.790 |27,68%| 128.567 30,36% by terms

Corroborat

49.861 15,03% 75.619 17,86% S2.948 15,03% 25.758 | 51,66% 7.329 9,69% e

Term<12 267.833 80,75% 343.443 81,11% | 457.916 82,95% 75.610 |28,23% 114.473 33,33% month

Term>=12 h 13.970 4,21% 4.392 1,04% 11.157 2,02% -9.578 |-68,56% 6.765 154,03% mont

(lable 1.1 Business performance of Agribank Cho Con- South of Danang)

2018 - 2020 is the year of great fluctuations in real estate prices in Da Nang, but the branch still ensures a stable and high capital growth rate, which shows a strategic mission Long-term branches, to promote the maximum capacity, the relationship to increase capital mobilization Over the years, the branch has paid great attention to brand promotion, customer marketing, as well as special attention to customer care, organizing visits and giving customer gifts on occasions such as holidays, birthdays, etc Maintain a long-term and customer attachment to the unit, and carry out visits, support to participate in exchange activities with mass organizations in the mobilized

area, thereby improving the prestige and affirming the position of Agribank Cho Con- South Da Nang compared with commercial banks in the area

2.2.2 Factors affecting capital mobilization: Capital raising is one of the traditional businesses of banks It 1s important for the operation of any bank because it provides capital for the business of the bank, so for this business to bring the highest results, besides finding solutions to improving the quality of bank capital mobilization needs to take into account factors affecting capital mobilization, in order to find ways to limit them

Interest rate

Capital mobilizing interest rates are often the top concern of individuals and organizations that want to deposit money in banks This is perfectly reasonable because in the economy the field of higher profits always attracts more people to invest Although the source of deposits is not only dependent on high interest rates but also on other factors such as maturity, risk level, payment conditions, prestige, location of the bank but with interest rates High, flexible, and reasonable always have the effect of stimulating depositors But interest rates have the greatest impact on the amount of savings deposits because customers who choose to deposit in this mode often have the purpose of interest

The form of capital mobilization is not diverse To successfully implement the capital mobilization, banks often offer a variety of forms of capital mobilization The amount of capital mobilized by the bank 1s directly dependent on the forms of capital mobilization that the bank applies When applying various forms of capital mobilization, it will create opportunities for the sender to choose and meet the needs of the sender Each bank finds its own forms of capital mobilization that are suitable for the socio-economic conditions and the psychology of the population in the area where the bank locates its location, and at the same time it is suitable for use as well as easy to manage effectively its capital When diverse forms of capital mobilization mean the amount of capital raised and the cost of deposits tends to decrease

Banking technology Banking technology level is reflected in the following factors: Firstly: The types of services that banks provide

Second: Professional qualifications of bank officials and employees Third: Material facilities and equipment for the bank's business activities Banking technology level is higher and higher, customers will feel more satisfied with the service provided by the bank and feel more secure when sending money at banks This is a very important factor that helps the bank to compete in interest-free terms because the customers it serves, not interested in interest rates, but on the quality and type of services that the bank provides With the same deposit rates, banks that unprove service quality, create more convenience for customers, the competitiveness

will be higher

The professional qualifications of bank officials is a condition for good performance of banking operations Bank staff must have good expertise in order to manage capital well, perform well the use of capital, contributing to improving the quality of capital mobilization

Forms of capital mobilization used by banks To successfully implement the capital mobilization, banks often offer a variety of forms of capital mobilization The amount of capital mobilized by the bank 1s directly dependent on the forms of capital mobilization that the bank applies When applying various forms of capital mobilization, it will create opportunities for the sender to choose and meet the needs of the sender Each bank finds its own forms of capital mobilization that are suitable for the socio-economic conditions and the psychology of the population in the area where the bank locates its location, and at the same time it is suitable for use as well as easy to manage effectively its capital When diverse forms of capital mobilization mean the amount of capital raised and the cost of deposits tends to decrease

2.3 SWOT ANALYSIS