LV Thạc sỹ_Evaluating the factors which affect import export payment activities at Vietinbank hoan kiem

MINISTRY OF EDUCATION AND TRAINING NATIONAL ECONOMICS UNIVERSITY NEU BUSINESS SCHOOL FACTORS IMPACT ON IMPORT - EXPORT PAYMENT ACTIVITIES AT VIETINBANK - HOAN KIEM BRANCH MASTER OF BUSINESS ADMINISTRATION THESIS MINISTRY OF EDUCATION AND TRAINING NATIONAL ECONOMICS UNIVERSITY NEU BUSINESS SCHOOL FACTORS IMPACT ON IMPORT - EXPORT PAYMENT ACTIVITIES AT VIETINBANK - HOAN KIEM BRANCH MASTER OF BUSINESS ADMINISTRATION THESIS ACKNOWLEDGMENT I would like to express my deep and sincere gratitude to my supervisor, Dr …, for his detailed and constructive comment, and for his important support throughout this work Thanks to the enthusiasm of his guidance has helped me complete my thesis I owe my most sincere gratitude to all professors in EMBA program, who gave the opportunity to work with them in BSNEU and gave me great value for my knowledge I warmly thank my director, Dr… for his important support during my work and doing the thesis During this work, I have collaborated with many colleagues for whom I have great regard, and I wish to extend my warmest thanks to all those who have helped me with my work in the Department of Ho Guom Transaction, in the Department of Import and export payment, at Vietinbank Hoan Kiem I also want to thank all of my friends, classmates in EMBA, who gave me valuable advice and friendly help I owe my loving thanks to my family, my parents and my husband Without their encouragement and understanding, it would be impossible for me to finish this work TABLE OF CONTENS ACKNOWLEDGMENT i ABBREVIATION EXECUTIVE SUMMARY CHAPTER 1: INTRODUCTION 1.1 Rationale .6 1.2 Research objectives 1.3 Research questions .7 1.4 Research methodology 1.5 Scope of research 1.6 Thesis structure 10 CHAPTER 2: OVERVIEW OF IMPORT – EXPORT PAYMENT ACTIVITIES AND THE FACTORS THAT IMPACT ON THIS ACTIVITIES 11 2.1 Overview of import-export payment activities .11 2.1.1 Definition .11 2.1.2 The condition in import and export payment activities 12 2.1.3 The role of import - export payment activities 14 2.1.4 Procedure and operating principle of import - export payment in the banks 17 2.2 Overview of the factors that affect import-export payment activities 23 2.2.1 External factors 23 2.2.2 Internal factors 30 CHAPTER : SITUATION OF IMPORT – EXPORT PAYMENT OPERATIONS AT VIETINBANK HOAN KIEM 35 3.1 Overview of Vietinbank Hoan Kiem 35 3.1.1 Establishment history and development 35 3.1.2 The organizational structure 36 3.2 Background of Vietinbank Hoan Kiem’s business operation 40 3.2.1 Mobilization activities 40 3.2.2 Credit activities .41 3.2.3 Other activities 41 3.2.4 Import – export payment activities .42 3.2.5 Business results .44 3.3 Import - export payment activities at Vietinbank Hoan Kiem and the impact of important factors 44 3.3.1 Background of economic and import-export activities in 2008-2011 44 3.3.2 Strategy of Vietinbank and Vietinbank Hoan Kiem 47 3.3.3 Situation and assess the impact of these factors to the payment of import and export activities of Vietinbank Hoan Kiem .49 3.4 Summary of findings 63 3.4.1 Achievements 63 3.4.2 Shortcomings: .64 3.4.3 Reason for shortcomings .66 CHAPTER : SOLUTIONS AND RECOMENDATIONS 67 4.1 The orientation of Vietinbank Hoan Kiem’s import - export payment activities in coming year .67 4.2 Solutions 68 4.3 Recommendations .74 4.3.1 Recommendation for Vietinbank, State bank of Vietnam .74 4.3.2 Recommendations for Government 75 4.3.3 Recommendations for enterprises 76 LIST OF REFERENCE 77 APPENDIX NO.01 79 APPENDIX NO.02 80 APPENDIX NO.03 81 APPENDIX NO.04 82 APPENDIX NO.05 87 APPENDIX NO.06 91 APPENDIX NO.07 93 ABBREVIATION ICC The International Chamber of Commerce IPO Initial Public Offering UCP600 Uniform Customer and Practice for Documentary Credit 600 (2007 version) L/C Letter credit TT Telegraphic transfer Vietinbank Vietnam Joint Stock Commercial Bank for Industry and Trade Vietinbank Hoan Kiem Vietnam Joint Stock Commercial Bank for Industry and Trade – Hoan Kiem Branch VMOC VietinBank Main Operation Centre No.3 WTO World Trade Organization LIST OF TABLES Table 3.1: The data on the mobilization 40 Table 3.2: the balance of Loans 41 Table 3.3: Import-export payment activities of Vietinbank Hoan Kiem 43 Table 3.4: Revenue of Vietinbank - Hoan Kiem 44 Table 3.5: Figure about import-export payment of Vietinbank .49 Table 3.6: Figure of import-export payment activities in 2008-2011 50 Table 3.7: The influence of main factor period 2008-2011 .53 Table 3.8: List of customer 61 LIST OF FIGURES Figure 1.1: Research process Figure 3.1: Organization structure of Vietinbank Hoan Kiem before 2008 .37 Figure 3.2: Organization structure of Vietinbank Hoan Kiem after 2008 .38 Figure 3.3: Total profit from import-export payment activities 43 Figure 3.4: Export markets .46 Figure 3.5: Import markets .47 Figure 3.6: Total profit from import-export payment activities 2008-2011 .51 Figure 3.7: Structure of profit 2008-2011 .52 Figure 3.8: The influence of main Factors period 2008-2011 53 Figure 3.9: Exchange rate regimes 2008-2011 57 Figure 3.10: General structures of import-export payment activities 62 Figure 3.11: the correspondent bank network of Vietinbank 64 EXECUTIVE SUMMARY Vietnam is a developing country and is on the path of industrialization modernization to reach a par with the industrial countries in the region and the world Vietnam joined the WTO opens up many business opportunities, thereby also promoting trade and cooperation, import and export of goods between Vietnamese enterprises and other countries Party and State has many policies to support and encourage export and import activities Export demand for payment as well as the growth is very fast and strong Besides, the business orientations of the commercial banks have been many changes in the direction to focus on paying import and export operations Previously, the credit activity is the main activity make a profit for the bank However, in recent years professional risk having a lot of credit, on the other hand severely undercapitalized banks to lend, high funding costs, the difference in interest rates from lending and deposit shrinking, leading to reduced profits Payment of import and export business in the environment is being promoted, with less risk; banks increase charges from operations to increase profits However, like any business activities of commercial banks, payment of import and export activities also contain certain risks and influenced by many different factors In particular, during the economic crisis risks in payment of import and export activities is increasing including objective factors and subjective factors Although payment of import and export activities identified target orientation of commercial banks, but almost no bank has a method, the evaluation of this activity on the level of risk, and how to prevent risk? Likewise, in the Industrial and Commercial Joint Stock Commercial Bank Vietnam - Hoan Kiem Branch to follow the direction of Vietinbank always focus on the development of export and import payments for various services and products increasingly rich contribute significantly to improving the effectiveness of the Bank's business But as for credit operations, construction of assessment models, risk prevention, payment of import and export activities only made but not formed oriented activities aimed at developing methods sales and quality, there is no system management assessment or payment of import and export activities more efficient So to pay import and export activities have been increasingly high, professionalism, ability to compete with other commercial banks, risk prevention is, Vietinbank Hoan Kiem need to assess the factors to pay import and export activities, which provide orientation, development and prevention solutions, mitigate risks, remedy the weaknesses, improve product quality, service import and export estimates Recognizing this importance, the writer has decided to choose the thesis title: "Evaluating the Factors which affect import - export payment activities at Vietinbank Hoan Kiem" as a subject of study APPENDIX NO.02 LIST OF FACTORS SUPPORT FOR THE QUESTIONNAIRE No Ex.200 2008 2009 2010 2011 Pre.2012 Factors International economic 25% Exchange rate 15% Economic policies 20% Operation Model and strategy of the bank 20% Capacity of Enterprise 15% Other factors 5% Total 100% 100 % 100 % 100 % 100 % 100% Other comment: ………………………………………………………………………… …………………………………………………………………………………… …………………………………………………………………………………… …………………………………………………………………………………… 83 APPENDIX NO.03 SUMMARY RESULT OF QUESTIONNAIRE 2008 2009 Result 2010 100% 100% 100% 100% 100% 20% 15% 15% 15% 15% Exchange rate 25% 30% 15% 15% 5% Economic policies 15% 20% 20% 10% 25% Operation Model and strategy of the bank 20% 20% 25% 35% 15% Capacity of Enterprise 15% 10% 20% 20% 30% Other factors 10% 5% 5% 5% 10% No Question 2011 2012 What factors you think it is important that affect importexport payment activities in period 2008-2011? International economic - Total sample size: 30 persons (included: 01 director, 05 managers, 24 staff) - Synthesis method: taking the average percent of surveys for each year 84 APPENDIX NO.04 CUSTOMER SURVEY FORM ABOUT IMPORT-EXPORT PAYMENT ACTIVITIES OF VIETINBANK HOAN KIEM Dear CUSTOMERS! First, I would like to thank CUSTOMERS take the time to fill in this survey The purpose of the survey is to collect information for the completion of EMBA thesis on the subject: “Evaluating the Factors which affect import - export payment activities at Vietinbank Hoan Kiem” Through the survey, I would like to get an overview from the perspective of business customers about the products /services of import-export payment activity of VietinBank Hoan Kiem, assess the strengths and weaknesses of this activity, assessment of the impact factor as well as understanding the needs of customers from which to find out the influence of these factors and offer improved solutions to serve customers better and more Before filling out the questionnaire requests, please note the following points: Security of information - You not need to provide your name and your personal information outside of the information asked in Part I - All information will be kept confidential, except for aggregate results of the survey will be used for research purposes to serve you better How to answer the questionnaire? - Fill in the blank or - Tick the box If you require clarification on any questions or need assistance in completing this table poll, please contact us at the following address: Mai Thi Thuy Ha Credit officer – Ho Guom Transaction – Vietinbank Hoan Kiem 25 Quang Trung, Hoan Kiem, Hà Nội Tel: (04) 39261982 - Fax: (04) 39232960 Mobile: 094.5247524 - Email: Hamtt@vietinbank.vn Sincerely thank you for your cooperation and help! 85 I CUSTOMER’S INFORMATION Your company - Type: State company Private enterprise JSC/Ltd Foreign-invested enterprise Other: Detail: ………………………………… - Business sector: …………………………………………… - Total of labor:……………………………………………… - Total of capital:………………………………(million VND) Time deal with Vietinbank Hoan Kiem: < year 1-3 year 3-5 year > year There currently dealing with another bank? No Yes If the answer is Yes: Please select to: Agriculture bank HSBC CitiBank ACB BIDV Techcombank Viecombank Eximbank Sacombank Other ……………………………………… II EVALUATION ABOUT IMPORT-EXPORT PAYMENT ACTIVITIES OF VIETINBANK HOAN KIEM Do you have ever use import-export payment services of Vietinbank Hoan Kiem? Yes, I have No, I haven’t 86 If the answer is Yes: What information channel you already know about this product /service of Vietinbank Hoan Kiem? Internet, TV, Promotions Conferences Staff Bank magazine What product of import-export payment activities you know? Import Import Export L/C Export L/C Collection Collection Guarantee Money transfer GSM-102 Nothing Do you know about the program of promotion/conditions regarding fees, preferential interest rates or exchange rates for transactions of Vietinbank Hoan Kiem? Yes No If the answer is “Yes”: How you evaluate about preferential conditions of Vietinbank Hoan Kiem? a Fees: Attractive than other banks Equivalent to other banks Less competitive compared with other bank b Interest for Loan: Attractive than other banks Equivalent to other banks Less competitive compared with other bank c Exchange rate: Attractive than other banks Equivalent to other banks Less competitive compared with other bank d Credit condition relate to: Attractive than other banks Equivalent to other banks Less competitive compared with other bank 87 What the internal factors you assess that a major impact on this activity? (Numbered in descending level of interest from to 7, is the most interested) Staff attitude Procedure/Document required Time transaction processing Relationship/Reputation Correspondent bank networks Infrastructure Transaction networks Have you ever known about VMOC of Vietinbank? No Yes If “Yes”, you have any comments about the advantages of VMOC? Very effective Effective Normal Not effective No idea Your comments on style, server attitude of Vietinbank Hoan Kiem’s staff: Very good Good Normal Bad Very bad Your comments on the possibility of introduction, consultant of products, handling issues arising regarding this activities of Vietinbank Hoan Kiem’s staff: Very good Good Normal Bad Very bad Arrcording to you, Which commercial banks are the most attractive policy on import-export payment activities in VN’market? (bank’s name up to 3) ……………………………………………………………………………………… … ……………………………………………………… Your wished about import-export payment activities of Vietinbank Hoan Kiem (Soft by oder preference from to 6) : Improve the Provides consulting Compare about fees 88 quality and speed of transaction processing service activities on this Foreign exchange services affordable Improve attitude of staff and interest rate Make conference, introduce product and consult for customer THANKS AND BEST REGARDS! 89 APPENDIX NO.05 SUMMARY RESULT OF CUSTOMER SURVEYS No Question Do you have ever use import-export payment services of Vietinbank Hoan Kiem? Yes No What information channel you already know about this product /service of Vietinbank Hoan Kiem? Internet, TV, magazine Promotions Conferences Staff Bank What product of import-export payment activities you know? Import L/C Import Collection Export L/C Export Collection Guarantee Money transfer GSM-102 Nothing Do you know about the program of promotion/ conditions Surveys 50 40 10 5 25 15 5 10 10 0 regarding fees, preferential interest rates or exchange rates for transactions of Vietinbank Hoan Kiem? Yes No How you evaluate about preferential conditions of Vietinbank Hoan Kiem? Fees: Attractive than other banks Equivalent to other banks Less competitive compared with other bank Interest for Loan Attractive than other banks Equivalent to other banks Less competitive compared with other bank Exchange rate Attractive than other banks Equivalent to other banks 20 20 50 10 10 10 5 10 90 Less competitive compared with other bank Credit condition relate to Attractive than other banks Equivalent to other banks Less competitive compared with other bank What the internal factors you assess that a major impact on 5 10 this activity? (Numbered in descending level of interest from to 50 7, is the most interested) Staff attitude (4) Procedure/Document required (2) Time transaction processing (1) Infrastructure (7) 13 15 Relationship/Reputation (3) Transaction networks (6) Correspondent bank networks (5) Have you ever known about VMOC of Vietinbank? Yes No Do you have any comments about the advantages of VMOC? Very effective Effective Normal Not effective No idea Your comments on style, server attitude of Vietinbank Hoan 10 15 35 15 25 Kiem’s staff: Very good Good Normal Bad Very bad Your comments on the possibility of introduction, consultant of 15 20 15 products, handling issues arising regarding this activities of 50 Vietinbank Hoan Kiem’s staff Very good Good Normal Bad Very bad Arrcording to you, Which commercial banks are the most 15 20 10 50 91 attractive policy on import-export payment activities in VN’market? (bank’s name up to 3) Vietcombank Vietinbank BIDV Your wished about import-export payment activities of Vietinbank Hoan Kiem (Soft by oder preference from to 6) Improve the quality and speed of transaction processing (1) Provides consulting service on this activities (4) Compare about fees and interest rate (3) Foreign exchange services affordable (2) Improve attitude of staff (5) Make conference, introduce product and consult for customer (6) 25 15 10 50 15 10 92 APPENDIX NO.06 EXCHANGE RATE QUOTATION OF SBV Time: 2008 The State Bank of Vietnam quoted the inter – bank average rate of VND versus USD on 31/12/2008: USD = 16.977,00 VND In words Sixteen thousands, nine hundreds seventy seven Vietnam Dong Document No 750/TB-NHNN Date of issuing 30/12/2008 Source: http://sbv.gov.vn/wps/portal/! ut/p/c5/jZDBjoIwEIafZZ9gZtsC5VgrtCq0IoLAhZDsxkhW5WAg Time: 2009 The State Bank of Vietnam quoted the inter – bank average rate of VND versus USD on 31/12/2009: USD = 17.941,00 VND In words Seventeen thousand nine hundred forty-one Vietnam Dong Document No 632/TB-NHNN Date of issuing 30/12/2009 Source: http://sbv.gov.vn/wps/portal/! ut/p/c5/jZDBjoIwEIafxSeY2VKgHGuVVqFURFjkQkg0RrIiB4OBp1 Time: 2010 The State Bank of Vietnam quoted the inter – bank average rate of VND versus USD on 31/12/2010: USD = 18.932,00 VND In words Eighteen thousand nine hundred and thirty two Vietnam Dong Document No 498/TB-NHNN Date of issuing 30/12/2010 Source: http://sbv.gov.vn/wps/portal/! ut/p/c5/jZDBjoIwEIafZZ9gRihQjpWFVqV2EYvIhZCohGZVDgSDT7 93 Time: 2011 The State Bank of Vietnam quoted the inter – bank average rate of VND versus USD on 31/12/2011: USD = 20.828,00 VND In words Twenty-eight thousand eight hundred and twenty Vietnam Dong Document No 519/TB-NHNN Date of issuing 30/12/2011 Source: http://sbv.gov.vn/wps/portal/!ut/p/c5/jZDLDoIwEEW_xSYsRQoy4rSotAKCCIbQuIjEh8sDEa 94 APPENDIX NO.07 Exports and imports turnover by country, countries, and regions mainly preliminary year Unit: 1000USD 2009 N 2010 2011 4month/ 2012 National o Export Import 9.378.293, EU 61 Export Import 6.417.514, 11.385.477 80 ,96 Export Import Export Import 6.361.714, 16.545.277, 7.747.066,7 5.811.128, 2.448.492, 49 47 83 57 In which: 157.453,2 Ai-len Vương quốc Anh 39.546,22 116.078,09 46.105,44 110.450,50 63.673,66 267.264,58 1.329.234,2 1.681.884,4 2.398.191,1 395.548,92 511.059,59 646.097,34 21.800,20 746.505,4 184.948,6 220.445,4 Áo 103.386,16 153.438,13 144.022,67 123.397,25 461.537,12 165.363,50 42.515,58 138.548,1 Ba Lan 185.308,32 364.630,2 56.811,26 119.813,1 Bỉ 831.712,61 266.278,50 848.838,09 320.151,46 97.303,68 241.222,16 105.575,40 445.513,61 124.255,33 1.199.694,2 346.927,97 Bồ Đào Nha 93.173,98 10.365,71 94.731,55 13.418,18 153.030,47 17.171,82 48.975,87 3.118,20 Bun-ga-ri 41.348,33 28.864,86 36.913,31 49.201,83 42.242,12 13.668,62 5.901,22 Đan Mạch Đức Ê-xtô-ni-a 1 Hà Lan 26.857,38 165.575,06 187.111,86 195.018,44 116.383,43 271.457,22 149.566,63 90.243,80 76.335,72 1.885.408, 1.587.295,5 2.372.735,6 1.742.397,8 3.366.900,5 2.198.556,5 1.270.230, 622.570,2 65 8.868,78 1.334.719,4 2.552,54 6.643,46 1.688.311,6 4.107,59 11.412,12 2.147.980,2 5.515,32 429.535,24 527.840,42 669.427,46 Hung-ga-ri 62.451,29 110.443,58 38.425,01 106.276,73 51.338,12 117.024,02 Hy Lạp 77.697,62 80.273,50 I-ta-li-a 5.965,39 5.787,86 132.288,11 1.534.325,9 804.629,13 726.204,04 980.141,33 822.469,25 11.946,10 998.756,68 Lát-vi-a 10.247,62 2.473,16 10.002,65 6.140,98 40.636,71 6.336,10 Lítva 37.748,86 4.911,59 24.230,51 14.889,20 22.597,91 17.248,83 Lúc-xăm-bua 17.262,32 3.755,71 22.557,36 3.796,56 27.171,40 Man-ta Phần Lan Pháp Ru-ma-ni 3.311,79 3.452,72 3.971,44 79.500,44 149.220,90 68.398,95 122.266,39 1.095.148,1 808.551,55 864.396,30 968.966,29 76.623,46 Séc 117.948,30 Síp 11.957,85 17.961,94 77.667,81 32.106,24 85 2.750,95 3.244,80 710.884,3 263.967,0 17.869,83 17.769,19 48.347,19 6.340,05 563.092,0 314.099,5 16.652,79 4.267,02 8.876,59 10.989,81 9.711,86 10.084,12 1.073,61 1.226,13 4.379,27 1.561,98 87.020,78 123.965,67 29.894,28 44.348,84 1.658.883, 1.204.967,4 591.084,4 303.350,7 62 74.434,03 29.022,52 23.185,46 7.375,36 35.875,19 134.911,74 70.349,08 183.296,64 36.505,66 65.158,48 9.984,47 12.988,85 10.683,86 10.844,79 3.740,22 13.921,34 19.332,61 4.142,51 95 Xlô-va-ki-a 89.803,56 6.812,82 111.378,16 15.748,97 156.902,38 13.469,01 72.476,82 4.837,60 Xlô-ven-nia 17.755,66 9.356,40 24.529,04 1.110.791,7 10.626,94 13.265,78 8.975,57 532.706,0 3.357,31 Tây Ban Nha 939.901,08 177.980,81 Thuỵ Điển 204.621,26 427.536,72 233.221,17 317.027,54 427.363,08 258.171,12 94.684,97 8.591.867, 13.813.069 10.350.948 16.407.519 13.583.279, 20.910.169, 4.899.124, 6.681.534, ASEAN 47 ,99 230.595,07 24.747,26 1.554.719,7 ,47 ,97 262.216,43 29 30 81.215,43 188.336,7 21 47 In which: Bru-nây Cam-pu-chia 239.531,4 7.689,67 1.146.930,9 1.645,87 10.006,28 15.362,29 189.178,06 4.508,94 2.406.826,6 936.964,4 233.787,8 186.231,75 276.622,79 1.546.115,5 1.433.419,4 1.909.185, 429.598,77 4 2.358.900, 2.247.554,9 741.248,9 712.847,1 In-đô-nê-xia 748.220,04 Lào 169.314,36 248.511,19 198.432,24 291.747,49 274.104,02 460.015,23 1.681.601,1 2.504.734,7 2.093.117,8 3.413.391,7 2.832.413,0 3.919.719,8 1.177.816, 1.025.120, Ma-lai-xi-a 14.235,23 1.551.665,7 Mi-an-ma 33.942,02 1.461.857,7 64.968,29 Phi-li-pin 498.432,99 700.317,20 805.138,02 2.076.253,4 4.248.355,9 2.121.313,5 4.101.144,2 2.285.653,1 6.390.575,2 49.520,72 102.823,55 82.457,76 1.706.401,2 1.535.312,9 1.266.058, 4.514.073,5 1.182.842,2 06 9 Thái Lan 37 Xin-ga-po 86 136.047,1 204.517,4 13 84.800,86 31.473,92 43.880,85 455.358,8 257.745,2 707.682,8 2.225.538, 44 5.602.280, 1.792.249,0 6.383.588,3 708.022,9 1.738.565, 89 91.554,40 826.295,92 148.854,00 858.906,00 50.327,12 135.601,9 Other countries Ác-hen-ti-na 39 115.503,2 55.935,24 587.258,27 Ai-cập 162.668,65 Ấn Độ 419.576,98 991.629,60 An-giê-ri 81.586,87 75.814,71 100.413,00 Ăng-gô-la 89.197,87 111.159,32 68.060,00 174.643,51 1.634.810,3 256.294,00 1.762.034,4 1.553.921,0 2.346.371,0 0 456.173,1 754.481,0 64.215,97 23.833,56 131.862,7 302.538,1 A-rập Xê-út 103.880,02 351.953,69 143.971,43 601.467,80 261.720,00 783.516,00 Cốt-đi-voa 144.301,94 Bê-la-rút 66 71.637,20 134.336,82 129.540,36 146.525,00 174.494,00 53.837,09 16.146,17 67.407,17 26.877,03 207.473,9 325.150,5 85.738,57 199.275,00 Bra-xin Tiểu VQ A-rập Thống 199.951,34 334.558,19 492.783,65 543.573,42 597.892,00 938.262,00 360.079,68 139.501,36 508.284,68 223.331,82 921.975,00 384.575,00 468.193,5 83.604,54 Ka-dắc-xtan 81.773,13 28.513,08 12.409,00 5.051,06 Ca-mơ-run 51.416,51 54.979,71 81.189,00 19.270,00 312.806,2 164.838,0 Ca-na-đa 638.506,26 300.218,62 802.057,70 349.315,09 969.409,00 342.136,00 Chi-lê 110.520,14 147.189,30 94.099,25 291.230,41 137.535,00 335.728,00 109.582,2 43.980,75 96 Cô-oét Cu Ba Đài Loan Đông Ti-mo 208.810,0 40.905,38 21.607,28 29.909,37 372.770,23 28.915,00 807.926,00 240.725,56 251.250,13 270.002,00 1.120.643,0 6.252.555,6 1.442.841,8 6.976.929,2 1.843.298,0 8.556.781,0 99.412,49 52.856,15 0 13.017,00 8.176,24 55.003,84 603.316,1 2.686.011, 35 6.656,99 Gha-na 77.496,52 98.602,68 120.348,00 57.747,32 2.064.490,9 6.976.361,8 3.092.225,4 9.761.342,4 4.715.447,0 13.175.926, 1.630.207, 4.454.709, Hàn Quốc 3 00 04 77 11.355.756, 3.009.391,5 14.238.131, 3.766.911,3 16.927.763, 4.529.215,0 5.799.038, 1.474.705, Mỹ 78 Đặc khu HC Hồng Công 1.034.099,4 (TQ) 825.638,25 50 1.464.177,7 860.381,95 I-rắc 90.185,12 I-ran 27.513,12 84.649,44 44.277,25 100.421,86 I-xra-en 76.936,81 129.404,62 97.478,12 124.890,07 Mê-hi-cô Na Uy Nam Phi Niu Di-lân 6 Liên bang Nga Nhật Bản Ni-giê-ri-a Ô-xtrây-li-a 188.348,93 00 2.205.716,0 0 969.748,00 149.574,00 96.035,00 20 63.177,41 89.527,00 18.765,78 17.656,51 205.164,00 25.828,44 229.757,9 359.089,70 163.585,11 488.829,22 91.346,00 34.212,56 74.093,62 129.508,73 89.778,00 165.974,00 1.864.417,0 27.777,38 50.186,78 170.449,4 377.889,85 126.956,27 494.061,98 165.146,75 223.764,00 28.492,29 145.559,7 70.504,07 249.662,88 122.644,70 352.967,24 151.377,00 383.946,00 1.414.733,0 1.287.324,0 40.835,85 417.263,4 296.705,8 51.429,33 66.235,73 89.148,00 589.749,00 414.892,12 829.700,87 999.097,07 694.014,00 6.291.809,8 7.468.091,5 7.727.659,5 9.016.084, 10.781.145, 10.400.330, 4.206.961, 3.438.355, 84 66.881,02 109.756,34 2.276.716,0 1.050.034,5 2.704.003, 1.443.641,4 Pa-ki-xtan 110.405,26 Pa-na-ma 135.305,71 54 00 00 70.524,00 2.519.098, 2.123.283,0 48 31 36.912,72 719.440,5 614.899,7 104.078,0 82.039,39 133.598,91 109.643,84 168.413,00 156.025,00 53.762,10 173.758,12 00 227.412,00 69.732,02 Pê-ru 77.778,87 68.959,18 89.880,00 Ca-ta 120.741,65 83.250,14 178.386,00 27.660,87 57.518,76 258.746,6 Thổ Nhĩ Kỳ 283.158,39 144.255,48 528.660,58 107.741,03 771.727,00 80.172,00 2.486.493,5 2.651.988, 1.006.631,0 1.188.503, 1.771.011,0 Thụy Sĩ 406.582,25 4.909.025,3 16.440.951, China 07 70 1.008.492, 289.476,8 Tuy-ni-di 80 6.089,55 28.015,18 147.273,3 03 00 90.244,38 7.308.800, 20.018.827 11.125.034, 24.593.719, 3.875.508, 7.873.220, 25 ,00 00 5.218,07 00 4.241,00 U-crai-na 129.189,37 334.671,54 115.728,63 140.016,31 194.524,00 105.171,00 Xê-nê-gan 107.155,40 56 82 62.806,03 41.684,25 42.190,21 190.246,00 97 ... Situation of import – export activities Situation of import – export payment activities at Vietinbank Hoan Kiem Factors that impact on Import – Export payment activities at Vietinbank Hoan Kiem. .. play the role in the bank and what about it?  Which factors affect import - export payment activities at Vietinbank Hoan Kiem?  How those factors affect import - export payment activities at Vietinbank. .. of factors on import- export payment activities at Vietinbank Hoan Kiem - The risk in import- export payment that Vietinbank Hoan Kiem is facing with now and future - The solutions and recommendations