Báo cáo thực tập an binh commercial joint stock bank (ABBank) ha noi branch

VIETNAM NATIONAL UNIVERSITY, HANOI INTERNATIONAL SCHOOL *** GRADUATE INTERNSHIP REPORT INTERNSHIP COMPANY/INSTITUTION: Transaction Office No 109 Tran Dang Ninh An Binh Commercial Joint Stock Bank (ABBank) - Ha Noi Branch Address: No.109 Tran Dang Ninh, Cau Giay Street, Ha Noi City Supervisor: Mr Pham Duc Cuong Student’s full name: Nguyen Khanh Ly Student’s ID: 11071235 Major: International Business Class: Ib2012B Hanoi, 11/03/2016 ACKHOWELDGEMENT At first I would like to express my International School – Viet Nam National University - the cradle has trained me since the first steps into university lecture halls, has given me opportunity for me to participate in awareness practice session this useful to accumulate more knowledge and valuable practical experience, creating a firm basis for the future career Also, I would like to take the opportunity to express my gratitude to my internship advisor, Mr Pham Duc Cuong, senior lecturer, international school whose direction, guidance and support helped me a lot in writing this report It was a great pleasure for me to work in Transaction Office 109 Tran Dang Ninh - An Binh Commercial Joint Stock Bank - Hanoi Branch as an intern I thank all the employees for being friendly and cooperative I was taught lots of important things throughout my internship career because of their proper attention and cooperation My deepest appreciation and special thanks goes to Mr Chuyen, the department manager of Transaction office, for extending his support in compiling this report I would specially like to thank Mr Dat, the expert of Transaction office, who helped me a lot during my Internship days with valuable advices, guidance and necessary information At last I must mention the wonderful working environment and group commitment of this bank that has enabled me a lot deal to and observe the bank activities during my internship period of six weeks Sincerely yours, Khanh Ly TABLE OF FIGURE 1.3 Fig-1.1: Organization and operation at Tran Dang Ninh Transaction 05 1.4 Office Fig-1.2: Business Outcome of ABBANK (2013-2015) 06 1.4 Fig-1.3: Balance Sheet of ABBANK (2013-2015) 07-08 2.1.1 Fig-2.1: Situation in the mobilization of Tran Dang Ninh Transaction 09 Office (2013-2014) 2.1.1 Fig-2.2: Growth of the sources of mobilized capital (2013-2015) 10 2.1.2 Fig-2.3: Lending situation of Tran Dang Ninh Transaction Office (2013- 11 2015) 2.1.2 Fig-2.4: Growth rate of outstanding loans (2013-2015) 12 2.2.2 Fig-2.5: Credit process in An Binh Commercial Joint Stock Bank 17 2.2.3.1 Fig-2.6: Volume, sales, debt recovery volume, closing outstanding 19 balance of loans for corporate customers at Tran Dang Ninh Transaction Office (2013-2015) 2.2.3.1 Fig-2.7: Growth in lending operations for corporate customers at Tran 20 Dang Ninh Transaction Office (2013-2015) 2.2.3.1 Fig-2.8: Outstanding loans for corporate customers by loan terms at Tran 21 Dang Ninh Transaction Office (2013-2015) 2.2.3.1 -2 Fig-2.9: Lending growth rate of corporate customers at Tran Dang Ninh 22 Transaction Office (2013-2015) 2.2.3.2 Fig-2.10 Debt recovery coefficient for corporate customers at Tran Dang 24 Ninh Transaction Office (2013-2015) 2.2.3.2 Fig-2.11: Credit fund turnover of corporate customer loans at Tran Dang 24 Ninh Exchange Office (2013-2015) 2.2.3.2 Fig-2.12: Income from loans, and corporate customer loans in Tran Dang 26 Ninh Transaction Office (2013-2015) 2.2.3.2 Fig-2.13: Growth on income from loan activities of corporate customer in 26 Tran Dang Ninh Transaction Office (2013-2015) 2.2.3.2 Fig-2.14: Income from corporate customer loan in Tran Dang Ninh Transaction Office (2013-2015) 27 TABLE OF CONTENT 1.0 1.1 1.2 1.3 1.4 CHAPTER 1: OVERVIEW OF ABBANK INTRODUCTION MILESTONE TRANSACTION OFFICE NO 109 TRAN DANG NINH RECENT BUSINESS RESULTS: 01-08 01-02 03-04 04-05 06-08 2.0 2.1 2.1.1 2.1.2 2.1.3 2.2 2.2.1 CHAPTER 2: BUSINESS PRODUCTION OPERATIONS OF GENERAL BUSINESSOFFICE ACTIVITIES TRANSACTION The Situation of Capital Mobilization Lending situation Other Business Activities LENDING OPERATIONS FOR CORPORATE CUSTOMERS Some regulation on the implementation of lending operations for 09-34 09-13 09-10 10-12 13 14-28 14-16 2.2.2 corporate customers at ABBANK Credit process in An Binh Commercial Joint Stock Bank: 16-19 2.2.3 The situation and performance of lending operations for corporate 19-28 customers at Tran Dang Ninh Transaction Office The situation of lending operations for corporate customers 19-23 2.2.3.1 2.2.3.2 2.2.4 2.2.4.1 2.2.4.2 The performance of lending operations for corporate customers 23-28 Conclusions and Recommendations in order to enhance effective 28-34 operation in customer loan in Tran Dang Ninh Transaction Office Conclusions found in research problem Some suggestions on raising efficiency of corporate customer loan 28-30 30-34 activity 3.0 CHAPTER 3: TARGET INTERN, CONTENT OF WORK, METHOD 35- 37 OF IMPLEMENTATION 3.1 TARGET INTERN 3.2 CONTENT INTERN AND METHOD OF IMPLEMENTATION 4.0 CHAPTER 4: ACHIEVEMENTS 4.1 COMMEMT 4.2 INTERNSHIP EXPERIENCE 4.3 CONCLUSION REFERENCE 35 35-37 37-39 37 38 39 40 CHAPTER OVERVIEW OF JOINT STOCK COMMERCIAL BANK AN BINH 1.1 INTRODUCTION 1.1.1 Overview: Full Name: An Binh Bank International transaction name: JOINT STOCK COMMERCIAL BANK AN BINH Short name: ABBANK Type: Enterprise shares Industry: Banking Establishment: On 13.05.1993 Headquarters: Hai Ba Trung Street, Da Kao Ward, District 1, HCMC Key members of the leadership: • Mr Vu Van Tien (Chairman of the Personnel Committee) • Mr Cu Anh Tuan (Interim Chief Executive Officer) An Binh Commercial Joint Stock Bank (ABBank) Founded under license No 535 / GP-UB granted by the HCMC People's Committee on 13 May 1993 After more than 18 years of operation and Development, is one of ABBANK banks leading commercial in Vietnam with registered capital of over 4,200 billion Together with a network of over 133 outlets and continues to be expanded, ABBANK has become a prestigious address and familiar with more than 10,000 corporate customers and 100,000 individual clients in 29 provinces and cities nationwide With the support of the Electricity of Vietnam (EVN) - the strategic partner in the country and the sharing of experience on professional management models of Maybank – the foreign strategic partner, ABBANK has built up a development plan from now until 2016 ABBANK aims for an annual growth rate at an average of 35% - 40% In recent years, in order to diversify the range of products and services, ABBANK also enhanced the cooperation with big Vietnamese and international partners such as Agribank, Prudential Vietnam, Deutsche Bank, EVN SPC, Prevoir VN, Postal Corporation of Vietnam (VNPost), Telecom Corporation Viettel, etc 1.1.2 Slogan: “Provide to solution - Receive the smile" ABBANK stands out in the market becoming a friendly retail bank ABBANK takes the customer needs and satisfaction as the core element of all business activities At ABBANK, customers are satisfied not only with the product diversification and flexibility, but also the friendly and professional services 1.1.3 Vision: ABBANK aim to become a leading commercial bank of Vietnam; operating under the commercial banking model focused retailer, according to the best international practices with modern technology, capable of competing with domestic banks and international operations in Vietnam 1.1.4 Mission:  Serving the customers with safe, efficient and value added products and services  Increase benefits for shareholders  Moving towards the comprehensive and sustainable development of the bank  Investing in the human resources as the basis for long-term development 1.2 MILESTONE Year 2011: • In September 2011, ABBANK launched the international credit card - ABBANK Visa Credit • On November 30, 2011 ABBANK official increased its charter capital to VND 4,200billion through the issuance of bonus shares to existing shareholders from the equity fund surplus • As of December 2011, the ABBANK's transaction network reached 133 transaction sites spread across 29 provinces nationwide Year 2010: • ABBANK’s network reached 115 transaction sites covering 29 provinces and cities nationwide • ABBANK successfully issued 600,000 convertible bonds and 390,000 ordinary bonds for the International Financial Company (IFC) and Maybank • In December 2010, ABBANK increased the chartered to VND 3,831 billion Year 2009: • In July 2009, ABBANK increased the charter capital to VND 2,805 billion • In September 2009, ABBANK officially relocated the new Head Office at 170 Hai Ba Trung, Da kao Ward, District • In December 2009, ABBANK officially increased the charter capital to VND 3,482 billion Year 2008: • ABBANK successfully deployed the core banking system (Core Banking) in the operation throughout the system • Maybank officially became the foreign strategic partner of ABBANK with the ownership of 15% • ABBANK increased the charter capital to VND 2,705 billion Year 2007: • ABBANK signed a strategic cooperation with Agribank and other affiliates and subsidiaries of EVN such as: PC1, PC2, PC3 • ABBANK became a member of PayNet Also, the charter capital of ABBANK increased to VND 2,300 billion Year 2006: The charter capital from VND165 billion in the beginning of the year to VND 1,131 billion at the end of the year Year 2005: Electricity Corporation of Vietnam (EVN) became a strategic shareholder of ABBANK Other major shareholders including: Petro Vietnam Finance Corporation (PVFC), Hanoi general Export Import Corporation (GELEXIMCO) Year 2004: ABBANK increased the chartered capital to VND 70.04 billion Year 2002: In order to meet the increasing demand of the customers, ABBANK conducted a strong reform of structure and human resource to focus on specialize commercial banking business Year 1993: An Binh Commercial Joint Stock Bank (ABBANK) was established under the license No.535/GP-UB issued by People's Committee of Ho Chi Minh City date May 13, 1993 1.3 TRANSACTION OFFICE NO 109 TRAN DANG NINH 1.3.1 Transaction Office No 109 Tran Dang Ninh - An Binh Commercial Joint Stock Bank (ABBank) – Ha Noi Branch: On July 03, 2007, ABBank opened Tran Dang Ninh Transaction Office at No 109 Tran Dang Ninh - Cau Giay - Hanoi belonging to An Binh Commercial Joint Stock Bank -Ha Noi Branch with basic functionality and tasks as follows: Short term, medium term and long term capital mobilization by time deposits, certificates of deposit, receipt trust capital for investment and development from organizations; getting loans from the State Bank of Vietnam (VSB) and other credit institutions; lending of short-term, medium-term and long-term loans for economic development purposes; discount of commercial bills, bonds and other valuable papers; capital contributions and joint venture; provision of payment services between banks 1.3.2 Organization and operation model: Head of Transaction Office Customer Relation Fund Accounting Department Department Customer Credit Relation Management Division Division Accounting Warehouse Division Fund Division Figure – 1.1: Organization and operation at Tran Dang Ninh Transaction Office  Board of Directors Head of Transaction Office: Vu Dang Chuyen Duties: Plan and organize activities of Transaction Office, make strategic development plans of Transaction Office Build, manage and ensure the completion of business target of Transaction Office  Customer Relation Department: Receive, verify, test, review, and grant loans for individual and corporate customers Withdraw capital and interests, dispose bad debts Do marketing for market expansion and introduce ABBANK's products  Fund Accounting Department: Monitor, track time and attendance, prepare payroll, check, and issue receipt and payment vouchers for loan application documents Check actual receipt and payment according to documents of accounting, balance of liquidity and capital transfer Be responsible for the preservation of money and gold, pledge and mortgage of the borrowers 1.4 RECENT BUSINESS RESULTS: Due to try to achieve these objectives and better serve the needs of customers, ABBANK has achieved significant results in years ended 2013 to 2015:  Business Outcome: Content Interest incomes and similar 12/31/2013 16,469,654,945 12/31/2014 24,712,978,874 12/31/2015 28,412,178,352 incomes Interest expenses and similar 11,330,586,068 15,924,981,988 18,212,934,841 charges I NET INTEREST INCOME Income from service activities Costs of service activities II NET PROFIT/LOSS FROM 5,139,068,877 1,503,314,696 346,467,002 1,156,847,694 8,787,996,886 2,917,619,152 761,970,394 2,155,648,758 10,199,243,511 3,821,990,056 1,012,970,852 2,809,019,204 73,503,850 57,925,316 276,983,168 Income from other activities Other operating expenses 29.384134 5,672,929 367,257,468 325,746,216 601,229,508 7,272,929 VI NET PROFIT/LOSS FROM 23,711,205 41,511,252 593,956,579 2,871,319,862 3,521,811,764 3,210,770,395 7,832,311,817 3,743,671,588 10,262,956,148 405,164,185 615,963,287 201,234,238 3,116,647,579 7,216,348,530 10,061,711,910 3,116,647,579 7,216,348,530 10,061,711,910 SERVICE ACTIVITIES III NET PROFIT/LOSS FROM FOREIGN EXCHANGE ACTIVITIES OTHER ACTIVITIES VIII OPERATING COSTS IX NET PROFIT FROM BUSINESS OPERATIONS BEFORE CREDIT LOSS PROVISION X COST OF CREDIT LOSS PROVISION XI TOTAL PROFIT BEFORE TAX XII CORPORATE INCOME TAX EXPENSES XIII PROFIT AFTER TAX Unit: VND Figure – 1.2: Business Outcome of ABBANK (2013-2015)  Balance Sheet: Content A ASSETS I Customer 12/31/2013 12/31/2014 12/31/2015 92,858,207,694 125,542,812,657 135,447,102,261 91,985,365,996 123,996,387,533 134,378,933,558 loans Customer loans 28 strengths and limit shortcomings still encountered to further develop the corporate customer loan at the Office 2.2.4 Conclusions and Recommendations in order to enhance effective operation in customer loan in Tran Dang Ninh Transaction Office – ABBANK – Ha Noi Branch: 2.2.4.1 Conclusions found in research problem a Achievements Through the analysis of activities of corporate customer loan implemented in Tran Dang Ninh Transaction Office - An Binh Commercial Joint Stock Bank Ha Noi branch as above, we can see that in the years of 2009-2011, the branch had made significant attempts to improve efficiency as well as expand activities of corporate customer loan The results that PGD Tran Dang Ninh has achieved in recent years have been undeniable The results are shown: Firstly, Loan sales and outstanding balance of corporate customer loan increased continuously in 2009-2011 This demonstrates that the Transaction Office has made reasonable and flexible customer policies, diversified customer structure, which helped the Office keep the traditional customers and attract new customers Besides, the branch also takes advantage of the favorable objective as well as subjective to attract customers, thereby improving sales and outstanding balance of consumer loan This result is consistent with the business direction of An Binh Commercial Joint Stock Bank and general development trend of the economy Secondly The proportion of credit outstanding balance of corporate customer loan is stable and growing up in credit activity This is very consistent with the vision of "Friendly Retail Bank" set out by An Binh Commercial Joint Stock Bank Thirdly: Corporate customer loan brings the main revenue for the Transaction Office in sales proportion from loan activities Revenue from activities of corporate customer loan increased annually that contributed to the growth of Tran Dang Ninh Transaction Office, Hanoi branch in particular and An Binh Commercial Joint Stock Bank in general Fourthly Reputation and brand that Tran Dang Ninh Transaction Office created 29 in minds of customers are a very commendable result Founded in 2007, over years, its period is not too short but not long enough for a transaction office, but familiar customer and the customer's customers coming to the transaction office to use products and services is a motivation, encourage for staff member of Tran Dang Ninh Transaction Office This is also a criterion of efficiency and success in the deployment of activity of corporate customer loan in Tran Dang Ninh Transaction Office Fifthly: The attitude and qualification of the staff member Through customers' feedback as well as results of consumer loan activity, they show that, staff members of the branch have professional qualification as well as the warm and enthusiastic attitude at work and with customers This is also a beauty in the business culture built by Tran Dang Ninh Transaction Office in particular and An Binh Commercial Joint Stock Bank in general Sixthly Tran Dang Ninh Transaction Office made well the documents issued by the State Bank, as well as the provisions of the law related to credit activities in general and corporate customer loan in particular, such as: regulations on the interest rate ceiling, maximum loan term, encouraged subject, restricted loan, so customers in general, corporate customers in particular coming to the Office very reassured and trusted in these terms as well as commitments in the credit contract This ensures the transparency, clarity in credit activity between the bank with customers b Limitations in activity of consumer loan at Tran Dang Ninh Transaction Office Firstly: About the structure of corporate customer loan products Although the products of the corporate customer loan are classified under many of the products and types of loans to meet the needs for enterprises being deployed in An Binh Commercial Joint Stock Bank in general and Tran Dang Ninh Transaction Office - Hanoi branch in particular However, when the enterprises make loans at the Bank, the classification of the products the corporate customer loan not really work, in addition to the traditional loan products such as: circulating financed capital, investment project financing, goods mortgage loan other products that have not attracted much attention of the customers even though they are very potential products The Transaction Office 30 should not miss these parts to continue development of activities of corporate customer loan and enhance its competitiveness with other opponents Secondly: About the quality of activity of corporate customer loan in Tran Dang Ninh Transaction Office Through analysis we found that the rate of bad debt and the overdue debt of the loans from the enterprises still remained Thirdly: Loan structure of the Transaction Office focused primarily on corporate customer loan products DN while consumer loan products were powerfully developing in system of banks in Vietnam The main source of income of the Transaction Office is also mainly from loan activities Fourthly: Time of approving loan project was still relatively long, the procedures were verbose due to many required papers and forms so it makes the credit officers take time to investigate at the same time make the businesses take many time Especially, these loans are not large, when the funds are lent, the business has lost the opportunities that the business should have had better business opportunity if the funds are lent sooner Besides, the loan business processes has not been conducted seriously and scientifically yet so it leads to the slow settlement of loans for customers 2.2.4.2 Some suggestions on raising efficiency of corporate customer loan activity in the Tran Dang Ninh Transaction Office - An Binh Commercial Joint Stock Bank - Hanoi branch Solutions for Tran Dang Ninh Transaction Office and Hanoi branch: Firstly: Strengthen the loan evaluation Evaluation is the best important step in the credit process It is not only significant for the Bank to improve the quality of credit, reduce the risk to the Bank but also has great meaning for the customer by many customers are denied because credit officers not well conduct appraisal methods, manufacturing project Credit appraisal is the work that the credit officers collect the information of the customers from many different sources From that, they conduct analysis, evaluation of customers, methods of using loans and debt service that customers take out and then take out the credit decisions If conducting credit evaluation well, the Credit Division will get the accurate assessment of the prospects of development and ability to repay of customers, limitation of the risks later To improve the effectiveness of the evaluation, it 31 should necessarily perform some works as follows: Check out the legitimacy of loan documents, mortgage contracts, types of authorization letter in accordance with the current regulations on consumer loans of the State Bank and An Binh Commercial Joint Stock Bank The economic content of loan documents, the Bank's financing capability The feasibility of the loan application on the collaterals, repayment plan, income status Regularly inspect control before, during and after the loan, starting from the time of receiving the documents to collecting interest and principal This is not in conflict with the aim of accelerating the process of evaluation To implement this solution, it should be combined with other methods in the organic relationship with each other Secondly: Strengthening the preventive method of credit risk in loan The Bank’s lending activities often face with credit risks This directly impacts to revenue, profit and reputation as well as possibility of operation of the Bank in the future Particularly, in the context of the current economy with many changes, the bank should further strengthen the preventive measures of risk Besides the regular observation, management of loans, establishment of loss provisions in accordance with the regulations of the State Bank, ABBANK should promote the loan insurance services for large loans or those special customers This can be considered effective measures and create sympathy for the customers, when the loan insurance stimulates to the responsibility of repayment and the guarantee of the customers by them The loan and the premium can be bear by both parties In addition, the establishment of loss provisions of corporate customer loan is very essential The Branch should calculate the particular provision for each stage associated with the actual situation in Hanoi branch Thirdly: Improving the quality of staff Human is the core element of all activities in the social economy, although technology and machinery are very modern, it can be indispensable to the human hand The specification of officials working for loan directly impacts to 32 the credit quality of the commercial bank When the credit officers have professional qualifications, extensive knowledge and understanding, good moral qualities, they can analyze and grasp the situation of the customers and from there make accurate credit decisions In contrast, when the credit officers are not good at capacity, not yet fully trained, they will lack of ability to analyze and evaluate correctly on the customers, not generalize the legal weaknesses or shortcomings in the loan documents of customers then make inaccurate decisions, causing bad consequences for the Bank Therefore, the interest in the team of employees is extremely important Therefore, the branch should: Continuously train and retrain specifications of staff in the branch, such as: organize training courses on specifications in the branch; encourage officers of the branch self-learning in courses, training courses to raise the specifications Add the knowledge of other business sectors to serve customers in the evaluation before making decision on loans Create opportunities for staff contact, exchange experiences with colleagues inside and outside the unit Raise awareness and professional ethics for employees so that they are much more aware of this and this is the best useful measure to attract customers Create opportunities for the employees to promote potential ability by creating a comfortable working environment, reduce the work pressure by launching competition between staff in the branch, organizing sightseeing tours, extracurricular activities Improve the input quality of staff to select the elite people who can undertake and complete work well In addition, the branch should consider having the personnel arrangement between the departments to consistent with their specifications, staff's aspirations, in order to use the right person in the right job, improve workforce productivity and business efficiency of the branch In addition, the branch also needs to create a friendly and comfortable work environment for staff to reduce the work pressure and improve work efficiency Fourthly: Strengthen marketing activities 33 The transaction/branch need to have these works to polish its name for residents of local area where branches are active If television advertising is expensive and the audiences slightly spread and inconsistent with the intent, the branch can conduct some newsletters via radio in the ward and the residential area Or the image as well as products of the branch is introduced in the message boards of buildings, residential area In addition, the branch can also coordinate with the local government officials to organize charitable programs, study promotion fund, cultural exchanges These activities help create a friendly relationship with the local authorities and residents in the area, help Tran Dang Ninh Transaction Office/Hanoi Branch have a position, identification in the customer Fifthly: Build a reasonable customer policy The customers of the branch are in main groups They are traditional customers and new potential customers To improve loan performance in general and corporate customer loan in particular, the transaction office/Hanoi branch should be interested in customer policy to maintain traditional customers and attract new customers For traditional customers: should be have the priority of the interest rate; on holidays, lunar new year, birthdays, there should have the interest to the customers by sending a postcard to congratulate For new potential customers: The transaction/branch should focus on activities of promotion, advertisement, product introduction In addition, employees have access to this customer group to advise and convince them to use the products, the services of the Bank A flexible customer policy will have a large effect in the creation of the good relationship between the Bank's traditional customers and attract both new customers Sixthly: Expand relationships with local government agencies Create good relationships with local government agencies is very significant for the operation of the transaction office/branch Good relations will help for the business activities of the transaction office/branch more convenient and easier It starts from the simple, quick implementation of the administrative 34 procedures, to obtaining the necessary information resources to serve in business activities To this, the transaction/branch should participate actively in the movements, as well as social work, charity activities of Cau Giay district, Hanoi City: can establish a study promotion fund, or charitable funds for Cau Giay district, or Hanoi City where the branch is located; visit the families with local revolutionary in Cau Giay district on the date of invalids and martyrs \ CHAPTER 3: TARGET INTERN, THE CONTENT OF WORK BY DIVISION AND METHODS OF IMPLEMENTATION 3.1 TARGET Of INTERNSHIP During the six-weeks internship at the Dealing Room 109 - Tran Dang Ninh An Binh joint stock commercial banks - branches in Hanoi, I wish I could overcome my shortcomings and limitations, and not only becoming more confident in office environment but also enhance practical knowledge as well as soft skills to serve my future work Therefore, I have identified the following objectives:  Objective 1: Understanding the business environment, adapting to banking culture, learning professional work style of cadres and employees  Objective 2: Getting to know the basic operation of one banker  Objective 3: Applying the knowledge learned in the actual work of the bank  Objective 4: Train communication skills in creating relationships with the employees in the bank 3.2 CONTENT INTERN AND METHOD OF IMPLEMENTATION The specific work that I did during graduation exercises at practice the following units: 35 3.2.1 Observable working: • Working time: From Monday to Saturday a.m Morning: 08:00 - 11:00 Afternoon: 13:30 - 17:00 • Exchange time is on 08:30 • At Tran Dang Ninh transaction office, although small-size bank, people are still seriously working, very few cases of late or negligent in their daily work Thus, as a trainee at the transaction office, the first factor is that I have to improve my self to work on time as well as efficient.Transaction Error: When the transaction errors (about vouchers and the terms, export receipts, exam), they must immediately cancel the wrong, repeat the new table enclosed stamped signature confirmation of the competent authorities In addition, I also observe my colleagues when processing credit records, learning how to classify customer, classify documents of loans, guarantees, open the L/C in accordance with the procedures, to facilitate the best for customers It is an important factor that is the one of criterias set out by ABBANK system in general, 109 Tran Dang Ninh transaction offices in particular 3.2.2 Work at the office: • Compose text: The text type of state management is the commonly text form With editing, text editor disciplines I learned in informatics basic and know how to present the text to use Times New Roman font, font size 13, , according to the paper size regulations used is A4: 21x30 • Remember requests to open accounts and signature samples for private businesses and individuals: The work requires handwriting customer information into the forms, so the need is to write clearly, accurately about the name, date of birth, ID number, permanent address For each type of application for account opening and specimen signatures for 36 private enterprise and individual banking need copies, one for customers, ones will be saved by the banks • Classify of credit records, sort records in place, help colleagues in the transaction, to fulfill the tasks assigned 3.2.3 The work outside the office: Along with professors appraisal goes to meet borrowers Observe learn how to work in due course credit appraisal process The best is minimizing errors; making the right decision based on the principles set out If rejected, they must specify the shortcomings of the customer as well as analysis gentle answer customer choices If enough customers demand, quickly signed the contract, disburse and control while lending and end the contract 3.2.4 The self-study: After observing, practicing some work in trading rooms, daily I make the report to summarize the most important things and answers that I will ask my colleagues in next working days Also I have studied in detail the process of lending business customers Tran Dang Ninh transaction office analysis provides some suggestions improve operational efficiency lending business customers as I give it in the next part CHAPTER 4: ACHIEVEMENTS 4.1 COMMENT 4.2.1 Strength • 37 Cheerful, sociable and open to everyone • Enthusiastic, dedicated and resourceful at work • Having a good sense of discipline • Quickly absorb the ideas and requirements are delivered • Hard, never stop learning and actively seek to resolve the problems that arise at work 4.2.2 Weakness; • Sometimes not know how to apply the knowledge learned to work in a flexible manner • And yet meticulously careful in work After weeks of practice in dealing rooms, with all the effort and accumulated knowledge, I have learned and observed the work of the people around him, as well as complete the assigned work I have achieved the goals they have set out:  Objective 1: Understanding the business environment is like, adapted to banking culture, learning professional work style of cadres and employees  Objective 2: Getting to know the basic operation of one banker  Objective 3: To apply the knowledge learned in the actual work of the bank  Objective 4: Train communication skills in creating trust agencies coffee set up relationships with the employees in the bank 4.2 INTERNSHIP EXPERIENCE Undergo internship lasts weeks to overcome the difficulties and obstacles early; it is about time for the final year students as I learned, to their inventory accumulation before the official to to work after graduation With all the knowledge and efforts of myself, I have learned a lot, was acquainted with the 38 workplace environment; know how the operational procedures of a bank are like I learned many useful things, a lot of valuable experience from the bank staff Besides, I also raise a number of skills needed to serve future work:  Communication skills, behavior: Self-confidence in communication, how to behave in harmony, sane people around as well as with its customers  Problem solving skills: When facing difficulties in their work, with my brainstorm and my own experiences or by actively asking people, I can be better on finish the job efficiently and on time  Professional Skills: To constantly improve the professional knowledge through written resolutions, product rollout In addition, the office computer skills are needed to complete the work efficiently  Teamwork skills: Some jobs require discussion and support among employees together should themselves need to actively seek information, propose solutions and unified way to deal with colleagues Through this internship, I realized that I was flawed but I also have a lot of experience for learning as well as in the future work These experiences seem to be simple but extremely important and useful I have to say that if i want to make working arrangements in a reasonable manner, I must always take the initiative in all things, always searching to learn new things, including specialized knowledge and other knowledge Especially must learn to overcome personal weaknesses to get more confidence for my career in the future 4.3 CONCLUTION During the weeks of internship program at Transaction Office Tran Dang Ninh - ABBNK - Hanoi Branch, this practical orientation program, in first has been arranged for gaining knowledge of practical banking and to compare this practical with theoretical knowledge Comparing practical knowledge with 39 theoretical involves identification of weakness in the branch activities and making recommendations for solving the weakness identified Through all departments and sections are tried to cover in which I got the chance to gather practical experience for the internship program; it is not possible to go to the depth of each activities of branch because of time limitation However, highest effort has been given to achieve the objectives the internship program 40 REFERENCE [1] PhD Le Van Tu – “ Ngân hàng thương mại” – Publishing Finance– 2004 [2] PhD Dang Van Don – “Tín dụng ngân hàng” – Statistical publisher– 2005 [3] PhD Nguyen Van Tien – “ Giáo trình ngân hàng thương mại” – Nhà xuất Thống kê – 2009 [5] ABBANK – “Cẩm nang tín dụng ABBANK 2015” [6] ABANK – “Sở tay tín dung ABBANK 2015” [7] Website: http://www.abbank.vn http://www.abbank.vn/vi/Khach-Hang-Doanh-Nghiep http://www.sbv.gov.vn www.gso.gov.vn http://tailieu.vn VIETNAM NATIONAL UNIVERSITY, HANOI SOCIAL REPUBLIC OF VIETNAM Independence – Liberty - Happiness INTERNATIONAL SCHOOL Schedule of the graduate internship Internship Company/Institution: An Binh Commercial Joint Stock Bank Supervisor: PGS.TS Pham Duc Cuong Student’s full name: Nguyen Khanh Ly Student’s ID: 11071235 Class: IB2012B Major: International Business Wee k Date Tasks performed 18-23/01/2016 25-30/01/2016 15-20/02/2016 22-27/02/2016 29/02-05/03/2016 07-11/03/2016 VIETNAM NATIONAL Overview about An Binh Commercial Joint Stock Bank Observe acquainted work environment Get familiar, learn general about credit operations Read the regulations on general banking, credit provisions in ABBANK, processes credit Read some credit profile Photo and scans documentary Continue reading profile to sort records by category: - Loan - Guarantee -L/C Began to study the process of credit to prepare for practice Going to meet customer with experts in credit department Summary content of problem to write Internship Report UNIVERSITY, SOCIAL REPUBLIC OF VIETNAM HANOI Independence – Liberty - Happiness INTERNATIONAL SCHOOL Graduate Internship Evaluation (for Supervisor) Student’s full name: ………………………………………………………… Student’s ID: Class: ……………………… Major: ………………………………………………………………………… Internship Company/Organization: …………………………………………………… Supervisor: …………………………………………………………………… The performance of the schedule: Internship period starts from…………………………… to …………………… …………………………………………………………………………………… Awareness, attitude: ………………………………………………………………………… ………………………………………………………… … …………………………………………………………………… … Other comments: …………………………………………………………………………………… …………………………………………………………………………………… …………………………………………………………………………………… Hanoi, ………………………………… Supervisor (Signature and Full name)