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I. OVERVIEW OF EXIMBANK 3 1. History of establishment and development: 3 2. General business activities: 3 II. EXIMBANK’S SOURCES OF FUND 5 1. Deposit sources of funds 5 1.1 Products 5 1.2 Values of deposit source of fund 11 1.3 Methods of raising capital 16 2. Nondeposit sources of funds 16 2.1 Due to Government and borrowings from the State Bank of Vietnam 18 2.2 Borrowings from other credit institutions 18 2.3 Valuable papers issued 18 3. Eximbank’s capital 19 3.1 General 19 3.2 Values 19 4 Methods of raising capital: 20 III. CAPACITY DEVELOPMENT OF EXIM BANK FUNDS 21 1. Major factors affecting capitalcreating activities of Exim Bank 21 1.1. The external factors 21 1.2. The elements of the bank 22 2. Plan for capital growth of Exim Bank 24 2.1. Updating technology innovation in banking: 25 2.2. Development of diversified forms of raising capital (deposits) 25 2.3. Regular training to improve the professional qualifications of staff bank 26 2.4. Build brand image and Exim Bank 26 2.5. Maximize the convenience for customers. 26 2.6. Apply a flexible interest rate policy 26 2.7. Enhance service quality improvement and advertising information 27 IV. RECOMMENDATION FOR EXIMBANK 27 3 I. OVERVIEW OF EXIMBANK 1. History of establishment and development: Established on May 24, 1989 under the decision No. 140CT signed by the Chairman of the Council of Ministers under the name of VIETNAM EXPORT IMPORT BANK and being one of the first jointstock commercial banks of Vietnam, VIETNAM EXPORT IMPORT BANK officially came into operation on January 17, 1990. On April 6, 1992, under license No. 11NHGP signed by the Governor of the State Bank of Vietnam, the Bank was allowed to operate with a term of 50 years and its charter capital registered at VND50 billion (equivalent to USD12.5 million) and its name changed to VIETNAM EXPORT IMPORT COMMERCIAL JOINTSTOCK BANK (shortly called VIETNAM EXIMBANK). At present, Exim bank’s chartered capital is VND 8,800 billion. The bank’s owner’s equity is VND 13,627 billion, making it one of the largest commercial jointstock banks by owner’s equity. Vietnam Export Import Commercial Joint Stock Bank has a nationwide network with its Head Office located in Ho Chi Minh City and 124 Branches in Ha Noi, Da Nang, Nha Trang, Can Tho City, Quang Ngai, Vinh, Hai Phong city, Quang Ninh, Dong Nai, Binh Duong, Tien Giang, An Giang, Ba Ria Vung Tau, Dac Lac, Lam Dong and Ho Chi Minh city). VIETNAM EXIMBANK has established correspondent banking relationship with over 735 banks in 72 countries worldwide. 2. General business activities: Exim bank provides a full range of services as an international bank: Mobilizing, savings deposits, demand deposits from individuals and entities in VND, foreign currencies, and gold. Customers39; deposits are insured as per the State stipulations. Providing short, medium and long term loans, syndicated loans, overdraft loans, consuming loans, and credit limits in VND, foreign currencies, and gold with favorable conditions and simple formalities. Foreign exchange trading by SPOT, SWAP, FORWARD, and Currency Option. 4 Settling, financing exportimport activities, and negotiating export documents. Various forms of settlements by LC, DA, DP, TT, PO, cheque are handled safely and quickly via SWIFT at reasonable fee. Issuing and settling domestic and international credit cards such as EXIMBANK MasterCard, EXIMBANK Visa card, EXIMBANK card; acquiring VISA, MasterCard, and JCB, etc., making payment online by cards. Providing cash services such as salary payment, collection, onsite collection and payment, foreign exchange, domestic and overseas remittance. Issuing Bank Guarantee in favor of domestic clients and clients abroad (payment guarantee, tax payment guarantee, performance bond, bid bond, offering, warranty bond, advance payment bond, etc.