Expand consumer lending activities at BIDV – hoang mai branch

Professional bachelor degree In Finance-Banking-Insurance (Customer relationships management) WORK PLACEMENT REPORT EXPAND CONSUMER LENDING ACTIVITIES AT BIDV – HOANG MAI BRANCH Names of student: Nguyen Minh Trang University year: 2017-2020 Tutor at TMU: Nguyen Thi Lien Huong Tutor at (Company): Pham Tuan Viet Hanoi - 2020 TABLE OF CONTENSTS 2 LIST OF FIGURES 3 INTRODUCTION In the context of the current market economy, the growth rate of Vietnam is growing so that the income and living standards of the people also develop Since then, the demand for living expenses has also increased, leading to the increase in demand for loans to serve consumption Understanding the increasing demands of customers, banks have quickly focused and developed on this field Therefore, consumer loan products and services are more and more diversified, serving a diverse range of customers Commercial banks have actively approached customers through different channels to achieve the best profit BIDV in recent years has promoted the development of this field Especially, BIDV, Hoang Mai Hanoi branch, has gradually improved the lending process and regulations to suit the needs of people and ensure credit safety However, there are still issues that affect the ability to grow at BIDV, Hoang Mai Hanoi branch During the internship at BIDV, Hoang Mai Hanoi branch, it is very important to research and give solutions to overcome difficulties and promote personal consumption loans This is also the reason why I chose the topic: “Expand consumer lending activities at BIDV – Hoang Mai branch” to research during my internship here 4 PART 1: OVERVIEW OF JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM (BIDV), BIDV HOANG MAI BRANCH AND THE INTERNSHIP 1.1 Company: • • • Name, slogan: Joint stock commercial bank for Investment and Development of Vietnam Location: BIDV Tower, 35 Hang Voi, Hoan Kiem, Ha Noi, Viet Nam Legal status: Business registration certificate No 0100150619 issued by Department of • • • • Planning and Investment of Ha Noi Geographical development: Number of employees: over 25.000 employees Date of creation: 26/04/1957 Activity: range of products, target Range of products: Corporate products and services, Individual products and services, Card Target: Become the leading retail bank in Vietnam 1.2 Host Firm: • • • • Location: First floor, CT4 Eco Green City Building, Southwestern Urban Area Kim Giang I, 286 Nguyen Xien, Hanoi Number of employees Date of creation Activity: range of products, target, competition * Range of product: - Corporate products and services: + Deposits; + Payment; + Cash management; + Trade Finance: international payment (Payment for export/ Payment for import and CAD payment), trade finance (Export Finance/ Import Finance); + Loans – Guarantees; + E-banking; + Treasury and FX; + Bancassurance - Individual products and services: + Deposits: demand deposit, savings account, term deposit, lottery-linked deposit accounts, accumulated deposit; + Personal loan; + Foreign exchange; + Remittance Services; + E-banking; + Cash management & other services; + Bill payment; + Bancassurance; + Stock broker service at bank -Card: + Debit Card: domestic debit card, international debit card; + Credit Card; + ATM Services; + POS Services 1.3 Introduction of my internship: • • Why the topic Consumer lending is not new in the world, but it has only developed in Vietnam in recent years and tends to thrive BIDV is also on the rise in this area Consumer loans support people to meet the needs of short-term use in life and pay later Therefore, I chose the topic: "Expand consumer lending activities at BIDV – Hoang Mai branch" with the belief that I will be able • to apply my knowledge and practical experience at the unit to complete this report Internship plan Table 1: Intership plan at BIDV Hoang Mai Branch Date From: 03/02/2020 To: 12/02/2020 From:13/02/2020 To: 27/02/2020 From:28/02/2020 To: 20/03/2020 From: 23/03/2020 To: 10/04/2020 Task / Mission Task / Mission 1: - Familiarize yourself with the working environment at BIDV Hoang Mai Branch - Reading the laws and documents related to consumer lending at BIDV Task / Mission 2: - Learning how to work, negotiate, deal with customer Task / Mission 3: - Contacting with customers with tutor - Collecting customer information for final report Task 4/ Mission 4: - Conducting servey and analysis data From: 13/04/2020 To: 17/04/2020 Task 5/ Mission 5: - Analyzing SWOT of BIDV Hoang Mai about From: 18/04/2020 To: 08/05/2020 - Analyzing the collected data and complete the internship report Outcome - Learn legal documents and policies related to consumer lending - Familiarize yourself with the work at the unit and start interacting with customers - Start supporting customers to transact - The necessary customer data for the report - Collect survey results from customers and conduct analysis - Learn how to negotiate with customers from instructors - Contact and meet customers - SWOT analysis of branches - Finalize the report and end the internship PART 2: INTERNSHIP IMPLEMENTATION AT BIDV HOANG MAI BRANCH 2.1 The internship position, responsibilities and tasks 2.1.1 Department structure and internship position • Department structure of BIDV Hoang Mai Ha Noi: • Internship position: Individual customer The internship in the individual customer room is at the credit team for the purpose of studying and supporting department staff in their work 2.1.2 Business procedure and work placement responsibilities • Business procedure: At BIDV, a personal consumer loan process is very tight because this is a form of loan that brings many risks as well as potential risks of bad credit to banks The process of personal loan lending starts from the time the credit officer receives the loan profile until the time of finalizing - liquidating the credit contract Details of the steps are as follows: Step 1: Receiving records of customers wishing to borrow capital: After clarifying the purpose of the loan and a preliminary verification of the client's financial capacity, the credit officer will help guide the proper documentation Because each bank has its own requirements as well as the paperwork requirements of each loan product Basic profile of BIDV will include: legal documents of customer and loan documents - Legal documents of customer: + ID card / passport + Household registration book / proof of regular residence + Marriage certificate (if married) - Loan documents + Loan application and capital use plan + Documents proving loan purposes + Documents proving income: labour contract, salary confirmation, + Assessing personal loan conditions Step 2: Property evaluation: This is one of the important steps to help the bank decide whether to lend or not Customers' collaterals must meet all requirements to serve the loan such as: Full value, sufficient legal documents, and especially not disputed, from which the bank will make a decision to lend or not At BIDV, there will be a valuation team to be able to value the most realistic collaterals The valuation team will consist of a loan officer, a room manager and a loan approval officer Step 3: Assessing customers' risks: The customer risk assessment will help bank staff know if the customer is able to repay the debt The risk assessment process includes assessing customer income, customer relationship with other credit institutions, whether or not customers are willing to repay debts, and especially customers with bad debts at Other credit institutions Step 4: Approving loans of customers: After completing all paperwork and when customers can fully borrow at BIDV, the direct manager will complete the dossier and submit it to the director or deputy director for approval Then the director or deputy director will base on the records and evaluation report to consider the loan or not If the application is approved, the credit officer will notify the customer and meet to sign a consumer loan contract Step 5: Sign contracts and disburse: Credit agreement is a written document that records the agreement between the customer and the Bank The credit contract includes the loan amount, interest rate, term and attached terms The two parties are responsible for adhering to each other's requirements After being approved by the director, the credit management department shall disburse consumer loans to customers However, the credit officer will continue to control whether your loan is used for the right purpose If there is a sign of fraud or appropriation, the bank reserves the right to revoke the loan at any time Step 6: Collect debt and issue a new credit judgment: This is the last step in BIDV's consumer lending process The customer's loan will be collected by the debt manager on 05 monthly The amount of principal and interest collected monthly will be reflected in the credit contract In some cases of late payment or insufficient payment, the bank will consider the customers' financial ability to make new credit decisions The consumer lending process at BIDV only ends when the customer pays off the principal and interest to the bank • Work placement responsibilities: - When customers come to sign contracts, support staff to introduce and explain products to customers, will prepare documents and contracts for customers to sign After the customer agrees and signs the contract, the employee will be responsible for registering the security transaction and stocking the assets to ensure the safety of the loan 2.1.3 Daily tasks After learning about consumer loan-related operations at BIDV Hoang Mai Hanoi, I was exposed to the profile of customers who have been using consumer loan products at BIDV Hoang Mai Hanoi After getting used to processing customer records, I was exposed and negotiated with customers to come and deal During contact with customers, I have collected documents and conducted surveys to serve the topic I also perform other tasks to support room staff, such as compiling records, collecting customer information, verifying customers' financial relationships, 2.2 Some business cases 2.2.1 Case No1 • • The information of financial products and services: Name: Consumer loans without collaterals Type: VND 500.000.000 Duration: 12 months Interest rate: 9.5%/year The highest interest payable monthly is: 4.034.246 VND/month The information of customer: Name: Dang Ba Nam Age 30 Sex: Male Nguyen Thi Phuong Age 28 Sex: Female ID: Dang Ba Nam: 036090011577 Nguyen Thi Phuong: 036192001917 10 437,510,00 10/5/202 29 30 11/5/202 30 435,427,00 2,083,000 3,721,486 5,804,486 31 12/5/202 31 433,344,00 2,083,000 3,827,314 5,910,314 32 30 431,261,00 2,083,000 3,686,218 5,769,218 33 1/5/2023 31 429,178,00 2,083,000 3,790,870 5,873,870 34 2/5/2023 31 427,095,00 2,083,000 3,772,648 5,855,648 35 3/5/2023 28 425,012,00 2,083,000 3,391,094 5,474,094 36 4/5/2023 31 422,929,00 2,083,000 3,736,204 5,819,204 37 5/5/2023 30 420,846,00 2,083,000 3,598,047 5,681,047 38 6/5/2023 31 418,763,00 2,083,000 3,699,760 5,782,760 39 7/5/2023 30 416,680,00 2,083,000 3,562,778 5,645,778 40 8/5/2023 31 414,597,00 2,083,000 3,663,316 5,746,316 41 9/5/2023 10/5/202 31 412,514,00 2,083,000 3,645,094 5,728,094 42 11/5/202 30 410,431,00 2,083,000 3,509,876 5,592,876 43 12/5/202 31 408,348,00 2,083,000 3,608,650 5,691,650 44 30 406,265,00 2,083,000 3,474,608 5,557,608 45 1/5/2024 31 404,182,00 2,083,000 3,572,206 5,655,206 46 2/5/2024 31 402,099,00 2,083,000 3,553,984 5,636,984 47 3/5/2024 29 400,016,00 2,083,000 3,307,648 5,390,648 48 49 4/5/2024 5/5/2024 31 30 397,933,00 2,083,000 3,517,540 2,083,000 3,386,437 5,600,540 5,469,437 395,850,00 30 50 6/5/2024 31 393,767,00 2,083,000 3,481,096 5,564,096 51 7/5/2024 30 391,684,00 2,083,000 3,351,168 5,434,168 52 8/5/2024 31 389,601,00 2,083,000 3,444,652 5,527,652 53 9/5/2024 10/5/202 31 387,518,00 2,083,000 3,426,430 5,509,430 54 11/5/202 30 385,435,00 2,083,000 3,298,266 5,381,266 55 12/5/202 31 383,352,00 2,083,000 3,389,986 5,472,986 56 30 381,269,00 2,083,000 3,262,998 5,345,998 57 1/5/2025 31 379,186,00 2,083,000 3,353,542 5,436,542 58 2/5/2025 31 377,103,00 2,083,000 3,335,320 5,418,320 59 3/5/2025 28 375,020,00 2,083,000 2,996,089 5,079,089 60 4/5/2025 31 372,937,00 2,083,000 3,298,876 5,381,876 61 5/5/2025 30 370,854,00 2,083,000 3,174,827 5,257,827 62 6/5/2025 31 368,771,00 2,083,000 3,262,432 5,345,432 63 7/5/2025 30 366,688,00 2,083,000 3,139,559 5,222,559 64 8/5/2025 31 364,605,00 2,083,000 3,225,989 5,308,989 65 9/5/2025 10/5/202 31 362,522,00 2,083,000 3,207,767 5,290,767 66 11/5/202 30 360,439,00 2,083,000 3,086,656 5,169,656 67 12/5/202 31 358,356,00 2,083,000 3,171,323 5,254,323 68 69 1/5/2026 30 31 356,273,00 2,083,000 3,051,388 2,083,000 3,134,879 5,134,388 5,217,879 354,190,00 31 70 2/5/2026 31 352,107,00 2,083,000 3,116,657 5,199,657 71 3/5/2026 28 350,024,00 2,083,000 2,798,586 4,881,586 72 4/5/2026 31 347,941,00 2,083,000 3,080,213 5,163,213 73 5/5/2026 30 345,858,00 2,083,000 2,963,217 5,046,217 74 6/5/2026 31 343,775,00 2,083,000 3,043,769 5,126,769 75 7/5/2026 30 341,692,00 2,083,000 2,927,949 5,010,949 76 8/5/2026 31 339,609,00 2,083,000 3,007,325 5,090,325 77 9/5/2026 10/5/202 31 337,526,00 2,083,000 2,989,103 5,072,103 78 11/5/202 30 335,443,00 2,083,000 2,875,046 4,958,046 79 12/5/202 31 333,360,00 2,083,000 2,952,659 5,035,659 80 30 331,277,00 2,083,000 2,839,778 4,922,778 81 1/5/2027 31 329,194,00 2,083,000 2,916,215 4,999,215 82 2/5/2027 31 327,111,00 2,083,000 2,897,993 4,980,993 83 3/5/2027 28 325,028,00 2,083,000 2,601,084 4,684,084 84 4/5/2027 31 322,945,00 2,083,000 2,861,549 4,944,549 85 5/5/2027 30 320,862,00 2,083,000 2,751,607 4,834,607 86 6/5/2027 31 318,779,00 2,083,000 2,825,105 4,908,105 87 7/5/2027 30 316,696,00 2,083,000 2,716,339 4,799,339 88 89 8/5/2027 9/5/2027 31 31 314,613,00 2,083,000 2,788,661 2,083,000 2,770,439 4,871,661 4,853,439 312,530,00 10/5/202 32 90 11/5/202 30 310,447,00 2,083,000 2,663,436 4,746,436 91 12/5/202 31 308,364,00 2,083,000 2,733,995 4,816,995 92 30 306,281,00 2,083,000 2,628,168 4,711,168 93 1/5/2028 31 304,198,00 2,083,000 2,697,551 4,780,551 94 2/5/2028 31 302,115,00 2,083,000 2,679,329 4,762,329 95 3/5/2028 29 300,032,00 2,083,000 2,489,423 4,572,423 96 4/5/2028 31 297,949,00 2,083,000 2,642,885 4,725,885 97 5/5/2028 30 295,866,00 2,083,000 2,539,997 4,622,997 98 6/5/2028 31 293,783,00 2,083,000 2,606,442 4,689,442 99 7/5/2028 30 291,700,00 2,083,000 2,504,729 4,587,729 100 8/5/2028 31 289,617,00 2,083,000 2,569,998 4,652,998 101 9/5/2028 10/5/202 31 287,534,00 2,083,000 2,551,776 4,634,776 102 11/5/202 30 285,451,00 2,083,000 2,451,826 4,534,826 103 12/5/202 31 283,368,00 2,083,000 2,515,332 4,598,332 104 30 281,285,00 2,083,000 2,416,558 4,499,558 105 1/5/2029 31 279,202,00 2,083,000 2,478,888 4,561,888 106 2/5/2029 31 277,119,00 2,083,000 2,460,666 4,543,666 107 3/5/2029 28 275,036,00 2,083,000 2,206,078 4,289,078 108 109 4/5/2029 5/5/2029 31 30 272,953,00 2,083,000 2,424,222 2,083,000 2,328,387 4,507,222 4,411,387 270,870,00 33 110 6/5/2029 31 268,787,00 2,083,000 2,387,778 4,470,778 111 7/5/2029 30 266,704,00 2,083,000 2,293,119 4,376,119 112 8/5/2029 31 264,621,00 2,083,000 2,351,334 4,434,334 113 9/5/2029 10/5/202 31 262,538,00 2,083,000 2,333,112 4,416,112 114 11/5/202 30 260,455,00 2,083,000 2,240,216 4,323,216 115 12/5/202 31 258,372,00 2,083,000 2,296,668 4,379,668 116 30 256,289,00 2,083,000 2,204,948 4,287,948 117 1/5/2030 31 254,206,00 2,083,000 2,260,224 4,343,224 118 2/5/2030 31 252,123,00 2,083,000 2,242,002 4,325,002 119 3/5/2030 28 250,040,00 2,083,000 2,008,576 4,091,576 120 4/5/2030 31 247,957,00 2,083,000 2,205,558 4,288,558 121 5/5/2030 30 245,874,00 2,083,000 2,116,777 4,199,777 122 6/5/2030 31 243,791,00 2,083,000 2,169,114 4,252,114 123 7/5/2030 30 241,708,00 2,083,000 2,081,509 4,164,509 124 8/5/2030 31 239,625,00 2,083,000 2,132,670 4,215,670 125 9/5/2030 10/5/203 31 237,542,00 2,083,000 2,114,448 4,197,448 126 11/5/203 30 235,459,00 2,083,000 2,028,606 4,111,606 127 12/5/203 31 233,376,00 2,083,000 2,078,004 4,161,004 128 129 1/5/2031 30 31 231,293,00 2,083,000 1,993,338 2,083,000 2,041,560 4,076,338 4,124,560 229,210,00 34 130 2/5/2031 31 227,127,00 2,083,000 2,023,338 4,106,338 131 3/5/2031 28 225,044,00 2,083,000 1,811,073 3,894,073 132 4/5/2031 31 222,961,00 2,083,000 1,986,895 4,069,895 133 5/5/2031 30 220,878,00 2,083,000 1,905,167 3,988,167 134 6/5/2031 31 218,795,00 2,083,000 1,950,451 4,033,451 135 7/5/2031 30 216,712,00 2,083,000 1,869,899 3,952,899 136 8/5/2031 31 214,629,00 2,083,000 1,914,007 3,997,007 137 9/5/2031 10/5/203 31 212,546,00 2,083,000 1,895,785 3,978,785 138 11/5/203 30 210,463,00 2,083,000 1,816,996 3,899,996 139 12/5/203 31 208,380,00 2,083,000 1,859,341 3,942,341 140 30 206,297,00 2,083,000 1,781,728 3,864,728 141 1/5/2032 31 204,214,00 2,083,000 1,822,897 3,905,897 142 2/5/2032 31 202,131,00 2,083,000 1,804,675 3,887,675 143 3/5/2032 29 200,048,00 2,083,000 1,671,198 3,754,198 144 4/5/2032 31 197,965,00 2,083,000 1,768,231 3,851,231 145 5/5/2032 30 195,882,00 2,083,000 1,693,557 3,776,557 146 6/5/2032 31 193,799,00 2,083,000 1,731,787 3,814,787 147 7/5/2032 30 191,716,00 2,083,000 1,658,289 3,741,289 148 149 8/5/2032 9/5/2032 31 31 189,633,00 2,083,000 1,695,343 2,083,000 1,677,121 3,778,343 3,760,121 187,550,00 10/5/203 35 150 11/5/203 30 185,467,00 2,083,000 1,605,386 3,688,386 151 12/5/203 31 183,384,00 2,083,000 1,640,677 3,723,677 152 30 181,301,00 2,083,000 1,570,118 3,653,118 153 1/5/2033 31 179,218,00 2,083,000 1,604,233 3,687,233 154 2/5/2033 31 177,135,00 2,083,000 1,586,011 3,669,011 155 3/5/2033 28 175,052,00 2,083,000 1,416,068 3,499,068 156 4/5/2033 31 172,969,00 2,083,000 1,549,567 3,632,567 157 5/5/2033 30 170,886,00 2,083,000 1,481,947 3,564,947 158 6/5/2033 31 168,803,00 2,083,000 1,513,123 3,596,123 159 7/5/2033 30 166,720,00 2,083,000 1,446,679 3,529,679 160 8/5/2033 31 164,637,00 2,083,000 1,476,679 3,559,679 161 9/5/2033 10/5/203 31 162,554,00 2,083,000 1,458,457 3,541,457 162 11/5/203 30 160,471,00 2,083,000 1,393,776 3,476,776 163 12/5/203 31 158,388,00 2,083,000 1,422,013 3,505,013 164 30 156,305,00 2,083,000 1,358,508 3,441,508 165 1/5/2034 31 154,222,00 2,083,000 1,385,570 3,468,570 166 2/5/2034 31 152,139,00 2,083,000 1,367,348 3,450,348 167 3/5/2034 28 150,056,00 2,083,000 1,218,565 3,301,565 168 169 4/5/2034 5/5/2034 31 30 147,973,00 2,083,000 1,330,904 2,083,000 1,270,337 3,413,904 3,353,337 145,890,00 36 170 6/5/2034 31 143,807,00 2,083,000 1,294,460 3,377,460 171 7/5/2034 30 141,724,00 2,083,000 1,235,069 3,318,069 172 8/5/2034 31 139,641,00 2,083,000 1,258,016 3,341,016 173 9/5/2034 10/5/203 31 137,558,00 2,083,000 1,239,794 3,322,794 174 11/5/203 30 135,475,00 2,083,000 1,182,166 3,265,166 175 12/5/203 31 133,392,00 2,083,000 1,203,350 3,286,350 176 30 131,309,00 2,083,000 1,146,898 3,229,898 177 1/5/2035 31 129,226,00 2,083,000 1,166,906 3,249,906 178 2/5/2035 31 127,143,00 2,083,000 1,148,684 3,231,684 179 3/5/2035 28 125,060,00 2,083,000 1,021,062 3,104,062 180 4/5/2035 31 122,977,00 2,083,000 1,112,240 3,195,240 181 5/5/2035 30 120,894,00 2,083,000 1,058,727 3,141,727 182 6/5/2035 31 118,811,00 2,083,000 1,075,796 3,158,796 183 7/5/2035 30 116,728,00 2,083,000 1,023,459 3,106,459 184 8/5/2035 31 114,645,00 2,083,000 1,039,352 3,122,352 185 9/5/2035 10/5/203 31 112,562,00 2,083,000 1,021,130 3,104,130 186 11/5/203 30 110,479,00 2,083,000 970,556 3,053,556 187 12/5/203 31 108,396,00 2,083,000 984,686 3,067,686 188 189 1/5/2036 30 31 106,313,00 2,083,000 2,083,000 935,288 948,242 3,018,288 3,031,242 104,230,00 37 190 2/5/2036 31 102,147,00 2,083,000 930,020 3,013,020 191 3/5/2036 29 100,064,00 2,083,000 852,973 2,935,973 192 193 194 195 196 197 4/5/2036 5/5/2036 6/5/2036 7/5/2036 8/5/2036 9/5/2036 10/5/203 31 30 31 30 31 31 97,981,000 95,898,000 93,815,000 91,732,000 89,649,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 893,576 847,117 857,132 811,849 820,688 802,467 2,976,576 2,930,117 2,940,132 2,894,849 2,903,688 2,885,467 198 11/5/203 30 87,566,000 2,083,000 758,946 2,841,946 199 12/5/203 31 85,483,000 2,083,000 766,023 2,849,023 200 201 202 203 204 205 206 207 208 209 1/5/2037 2/5/2037 3/5/2037 4/5/2037 5/5/2037 6/5/2037 7/5/2037 8/5/2037 9/5/2037 10/5/203 30 31 31 28 31 30 31 30 31 31 83,400,000 81,317,000 79,234,000 77,151,000 75,068,000 72,985,000 70,902,000 68,819,000 66,736,000 64,653,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 723,678 729,579 711,357 626,057 674,913 635,507 638,469 600,239 602,025 583,803 2,806,678 2,812,579 2,794,357 2,709,057 2,757,913 2,718,507 2,721,469 2,683,239 2,685,025 2,666,803 210 11/5/203 30 62,570,000 2,083,000 547,336 2,630,336 211 12/5/203 31 60,487,000 2,083,000 547,359 2,630,359 212 213 214 215 216 217 218 219 220 221 1/5/2038 2/5/2038 3/5/2038 4/5/2038 5/5/2038 6/5/2038 7/5/2038 8/5/2038 9/5/2038 10/5/203 30 31 31 28 31 30 31 30 31 31 58,404,000 56,321,000 54,238,000 52,155,000 50,072,000 47,989,000 45,906,000 43,823,000 41,740,000 39,657,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 512,068 510,915 492,693 428,554 456,249 423,897 419,805 388,629 383,361 365,139 2,595,068 2,593,915 2,575,693 2,511,554 2,539,249 2,506,897 2,502,805 2,471,629 2,466,361 2,448,139 222 30 37,574,000 2,083,000 335,726 2,418,726 11/5/203 38 223 12/5/203 31 35,491,000 2,083,000 328,695 2,411,695 224 225 226 227 228 229 230 231 232 233 1/5/2039 2/5/2039 3/5/2039 4/5/2039 5/5/2039 6/5/2039 7/5/2039 8/5/2039 9/5/2039 10/5/203 30 31 31 28 31 30 31 30 31 31 33,408,000 31,325,000 29,242,000 27,159,000 25,076,000 22,993,000 20,910,000 18,827,000 16,744,000 14,661,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 2,083,000 300,458 292,251 274,029 231,052 237,585 212,287 201,142 177,019 164,698 146,476 2,383,458 2,375,251 2,357,029 2,314,052 2,320,585 2,295,287 2,284,142 2,260,019 2,247,698 2,229,476 234 11/5/203 30 12,578,000 2,083,000 124,116 2,207,116 235 12/5/203 31 10,495,000 2,083,000 110,032 2,193,032 236 237 238 239 240 1/5/2040 2/5/2040 3/5/2040 4/5/2040 30 31 31 29 31 8,412,000 6,329,000 4,246,000 2,163,000 2,083,000 2,083,000 2,083,000 2,083,000 2,163,000 88,848 73,588 55,366 34,747 18,922 2,171,848 2,156,588 2,138,366 2,117,747 2,181,922 LIST OF REFERENCES https://www.vietcombank.com.vn/ https://www.bidv.com.vn/ https://www.techcombank.com.vn/ 39 INTERN ASSESSMENT FORM Student Intern Name: Date of Internship: The purpose of this form is to provide the intern with feedback about the intern’s work and professional skills and competencies Please be objective and candid in your assessment and discuss this with the intern The assessment ratings ranges from to are as follows (circle the appropriate number): 1= Unsatisfactory 2= Needs Improvement 3= Fair Never demonstrates this ability / does not meet expectations Seldom demonstrates this ability / rarely meets expectations Sometimes demonstrates this ability / meets expectations Usually demonstrates this ability / sometimes exceed 4= Good expectations Always demonstrates this ability / consistently exceeds 5= Excellent expectations Student Intern assessment (Circle the appropriate number) A Ability to Learn Observes and/or pays attention to others Asks pertinent and purposeful questions Seeks out and utilizes appropriate resources 5 5 5 5 5 Accepts responsibility for mistakes and learns from experiences Open to new experiences; takes appropriate risks B Reading / Writing / Computation Skills Reads, comprehends and follows written materials Communicates ideas and concepts clearly in writing Works with mathematical procedures appropriate for the assigned duties C Listening and Oral Communication Skills Listens to others in an active and attentive manner Comprehends and follows verbal instructions Effectively participates in meetings or group settings Demonstrates effective verbal communication skills 40 D Creative Thinking and Problem Solving Skills Seeks to comprehend and understand the “big picture” Breaks down complex tasks/problems into manageable pieces Brainstorms/develops options and ideas Respects input and ideas from other sources and people Demonstrates an analytical capacity E Professional and Career Development Skills Seeks to understand personal strengths and weaknesses Exhibits self-motivated approach to work Demonstrates ability to set appropriate priorities/goals Exhibits professional behavior and attitude Manages personal expectations consistent with work role Shows interest in determining career direction F Interpersonal and Teamwork Skills Relates to co-workers/team members effectively Manages and resolves conflicts in an effective manner Supports and contributes to a team atmosphere Controls emotions in a manner appropriate for work Demonstrates assertive but appropriate behavior G Organizational Effectiveness Skills Seeks to understand and support the organization’s mission/goals Fits in with the norms and expectations of the organization Works within appropriate authority and decision-making channels Demonstrates a sense of responsibility and confidentiality Interacts effectively and appropriately with supervisor H Basic Work Skills Reports to work as scheduled 5 5 5 5 5 5 5 5 5 5 5 41 5 5 Is prompt in showing up to work and meetings Exhibits a positive and constructive attitude Brings a sense of values and integrity to the job 42 Behaves in an ethical and professional manner Overall Performance Would you supervise this intern again? Yes If no, please explain: ………………………… ………………………… Would your organization host this intern again? Yes If no, please explain: ………………………… ………………………… Would you recommend this student to other organizations? Yes If no, please explain: ………………………… ………………………… Overall performance of this intern Additional Comments (Please list any additional comments here): No Uncertai n No Uncertai n No Uncertai n …………………………………………………………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… _ I have _ I have not discussed this assessment with the intern Intern Supervisor Name: Signature: 43 Date of Assessment: ... sector at BIDV, Hoang Mai Hanoi branch I hope this report will help develop this segment of BIDV Hoang Mai Hanoi 22 APPENDICES Appendic 1: Survey customers on consumer lending activities at BIDV Hoang. .. Million – Billion  Above Billion We would like to survey your satisfaction level about consumer lending activities at BIDV bank Hoang Mai branch, Hanoi: Unsatisfied Normal Satisfied How you evaluate... After learning about consumer loan-related operations at BIDV Hoang Mai Hanoi, I was exposed to the profile of customers who have been using consumer loan products at BIDV Hoang Mai Hanoi After getting