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ĐẠI HỌC QUỐC GIA HÀ NỘI KHOA QUẢN TRỊ VÀ KINH DOANH - TRẦN SỸ CỪ BUIDING STRATEGY FOR DEVELOPING INFORMATION TECHNOLOGY INFRASTRUCTURE FOR SERVER SYSTEM AND DATA STORAGE AT BIDV DURING 2019 – 2024 XÂY DỰNG CHIẾN LƢỢC PHÁT TRIỂN CƠ SỞ HẠ TẦNG CÔNG NGHỆ THÔNG TIN CHO CẤU PHẦN MÁY CHỦ VÀ LƢU TRỮ DỮ LIỆU CỦA BIDV TRONG GIAI ĐOẠN 2019-2024 LUẬN VĂN THẠC SĨ QUẢN TRỊ KINH DOANH HÀ NỘI - 2018 ĐẠI HỌC QUỐC GIA HÀ NỘI KHOA QUẢN TRỊ VÀ KINH DOANH - TRẦN SỸ CỪ BUIDING STRATEGY FOR DEVELOPING INFORMATION TECHNOLOGY INFRASTRUCTURE FOR SERVER SYSTEM AND DATA STORAGE AT BIDV DURING 2019 – 2024 XÂY DỰNG CHIẾN LƢỢC PHÁT TRIỂN CƠ SỞ HẠ TẦNG CÔNG NGHỆ THÔNG TIN CHO CẤU PHẦN MÁY CHỦ VÀ LƢU TRỮ DỮ LIỆU CỦA BIDV TRONG GIAI ĐOẠN 2019-2024 Chuyên ngành: Quản trị kinh doanh Mã số: 60 34 01 02 LUẬN VĂN THẠC SĨ QUẢN TRỊ KINH DOANH NGƢỜI HƢỚNG DẪN KHOA HỌC: PGS.TS HỒNG ĐÌNH PHI HÀ NỘI - 2018 DECLARATION The author confirms that the research outcome in the thesis is the result of author‟s independent work during study and research period and it is not yet published in other‟s research and article The other‟s research result and documentation (extraction, table, figure, and other document) used in the thesis are cited properly and the permission (if required) is given The author is responsible in front of the Thesis Assessment Committee, Hanoi School of Business and Management, and the laws for abovementioned declaration Hanoi, September, 2018 Author, Tran Sy Cu i ACKNOWLEDMENT I have gained huge knowledge, skill and insights from my MBA course The course raised my capacity of administration and management up to the next level I would like to extend my sincerest thanks and appreciation to all those who have made this thesis possible I would like to express my great gratitude to my supervisor, Assoc Prof Dr Hoang Dinh Phi for his useful comments, remarks and engagement during my process of doing this master thesis I would also like to thank the leaders and staff of IT Center of BIDV and Technology Department of BIDV who enthusiastically participated in the survey and provided me with valuable advice and comments during my thesis completion Sincere thanks are extended to the Hanoi School of Business & Management – Viet Nam National University, Hanoi for equipping me with huge knowledge and skills through various interesting and practical subjects I also would like to thank my classmates for their friendship and reciprocal encouragement to make our class unforgettable time During the process of writing the thesis, although the effort has been made, due to the limitations of the level of knowledge, practical experience, experience in scientific research, the thesis is inevitably limited I would like to receive the comments of researchers, teachers and readers so that the thesis is more complete both scientific and practical reason Hanoi, September, 2018 Author, Tran Sy Cu ii CONTENT DECLARATION i ACKNOWLEDMENT ii ABBREVIATION v LIST OF TABLES v LIST OF FIGURES vii INTRODUCTION CHAPTER BASIC THEORY ON BUILDING CORPORATE STRATEGY AND IT INFRASTRUCTURE FOR BANKS 11 1.1 Concepts and Definition of a Business Strategy 11 1.2 IT and IT Strategy for Bank 12 1.2.1 IT Infrastructure for Banks 12 1.2.2 Server Systems for Bank 14 1.2.3 Data Storage System for Banks 20 1.2.4 IT Strategy for Banks 27 1.3 Classification of strategies 30 1.4 Process of building strategy 33 1.4.1.Design of mission, vision and objectives 33 1.4.2.External Factors Evaluation (EFE) 35 1.4.3 Internal Factors Evaluation (IFE) 37 1.5 Strategic options matrix (TOWS) 39 1.6 Selection of strategic options 40 Conclusion for chapter 41 CHAPTER 2: FORMULATION OF THE STRATEGY FOR DEVELOPMENT INFORMATION TECHNOLOGY INFRASTRUCTURE FOR SERVER SYSTEMS AND DATA STORAGE AT BIDV DURING 2019-2024 42 2.1 About BIDV and IT system of BIDV 42 2.1.1 About BIDV 42 2.1 Information Technology of BIDV 48 iii 2.2 Analysis of the context and status of server and data storage system and related issues at BIDV 52 2.2.1 Context and status of servers and data storage system of Corebanking 53 2.2.2 Human Resource for managing and operating servers system and data storage system of the Bank 58 2.3 Analyze the trends in IT development in the world, impact on server systems and data storage in the banking industry 59 2.3.1 The trends in IT development in Banking 60 2.3.2 Trends in technology development of data storage system and servers 63 2.4 Target and development requirements of server system and data storage system at BIDV 70 2.5 Evaluation Criteria to developing information technology infrastructure for server system and data storage system at BIDV 71 2.6 TOWS 72 2.6.1 External factor evaluation matrix (EFE) 72 2.6.2 Internal factor evaluation matrix (IFE) of server system and data storage 75 2.6.3 Formation of strategy through the analysis of TOWS Matrix 78 CHAPTER 3: PROPOSAL OF SOLUTIONS TO IMPLEMENT THE STRATEGY FOR DEVELOPMENT INFORMATION TECHNOLOGY INFRASTRUCTURE FOR SERVER SYSTEMS AND DATA STORAGE AT BIDV DURING 2019-2024 84 3.1 BIDV Directions on Development of IT Strategy 84 3.2 Resources for the Implementation 86 3.3 Plans and Priorities During Implementation 88 CONCLUSION AND LIMITATION OF THE THESIS 91 REFERENCES 92 APPENDICES (In English) 94 APPENDICES (In Vietnamese) 100 iv ABBREVIATION SEQ 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 ABBR AML API ATM BIDV BOD BSC CISC COBIT CRM DAS DC DRC EFE ERP FC Gbps HADOOP HDD ICT IFE IT ITIL LAB LAN MIS NAS OS OTP PKI RAID RAM RISC SAN SBV SLA VSA WAN DETAILS Anti-money laundering Application Programming Interface Automatic Teller Machine Joint Stock Commercial Bank for Investment and Development of Vietnam Board of Director Balanced scorecard Complex instruction set computing Control Objectives for Information and Related Technology Customer Relationship Management Direct-attached storage Data Center Disaster Recovery Center External Factors Evaluation Enterprise resource planning Fiber channel Giga bits per second High Availability Distributed Object Oriented Platform Hard Drive Disk Information and Communications Technology Internal Factors Evaluation Information Technology Information Technology Infrastructure Library Laboratory Local Area Network Management Information System Network Attached Storage Operating System One-Time-Password Public Key Infrastructure Redundant Arrays of Independent Disks Random Access Memory Reduced instruction set computing Storage Area Network State Bank of Vietnam Service-Level Agreement Virtual Storage Appliance Wide Area Network v LIST OF TABLES Table 1-1: External Factor Evaluation Matrix 37 Table 1-2: Internal Factor Evaluation Matrix 39 Table 1-3: Table of TOWS matrix 40 Table 2-1: External Factor Evaluation Matrix (EFE) 73 Table 2-2: Internal Factor Evaluation Matrix (IFE) 76 Table 2-3: TOWS matrix of the server system and data storage system of the bank 80 vi LIST OF FIGURES Figure 0-1: Theoretical frame for analysis of building strategy for developing information technology infrastructure for server systems and data storage at BIDV Figure 1-1: DAS Architechture 22 Figure 1-2: NAS Architechture 24 Figure 1-3: SAN Architechture 26 Figure 1-4: Process of building EFE matrix 36 Figure 1-5: Process of internal factors analysis 38 Figure 2-1: BIDV‟s Organizational Structure 46 Figure 2-2: BIDV‟s Governance Structure 47 Figure 2-3: IT Organizational Structure & Reporting Workflow 48 Figure 2-4: Server and data storage for Corebanking model 54 Figure 2-5: Server operating system at BIDV 56 Figure 2-6: Database management systems 57 Figure 2-7: SAN storage and Tape Library model 58 vii INTRODUCTION Rationale Of the Research Corporate strategy is very important for Enterprises Today, to survive and develop, enterprises need to build their business orientation and suitable strategies (corporate strategy as well as strategies for Core function of Enterprise) based on the research and analysis of the external environment and internal environment, to take advantage of opportunities, minimize risks from the business environment and promote the strengths and minimize the weaknesses Proper strategy will create good direction for the business, is the guideline for the operation of the Enterprise Especially, when the competition becomes fierce, strategies are the key tool to ensure success in the market Starting from that practice, building business strategies for businesses in general and for each product/service as well as the core functions of the Enterprise is very necessary for Enterprise It helps enterprise to orient their business goals and develop clearly, orienting their individual parts, resources suitable to the common objectives of the enterprise Proper strategy helps avoiding waste of resources‟ Enterprise, that make enterprise weak and no taking advantages of strengths as well as has no clear development direction for the product/service Today's business environment is changing rapidly (especially the rapid development of information technology) and global competition requires enterprises to be proactive in adapting to that environment The Bank now, more than ever, relies on information technology to provide services and to maximize value, In banking, the IT system plays a very important role Information technology is a major trend in modern banking The appropriate technology solutions will ensure the development of Purchase server virtualization system on Power chip platform: 2019 Server replacement for corebanking: 2019 Upgrade the SAN at the Processing Center: 2018-2019 Deploy the Hadoop platform to serve IT applications that handle large datasets on clusters of computers: 2019 Procurement of data backup system for offline data backup (longterm): 2020 90 CONCLUSION AND LIMITATION OF THE THESIS At present, the server system and data storage system of BIDV is having opportunities from many sides but still faces many challenges Therefore, to take advantage of opportunities as well as overcome threats, The Bank should long-term strategies Within the framework and scope of this thesis, the author has restructured the theoretical framework for strategy for developing the server system and data storage system of BIDV and the steps of building a strategy Author focused on assessing, analyzing the internal environment, assesses strengths, weaknesses, opportunities and threats in server system and data storage system of BIDV From the above contents, the author analyzed the TOWS matrix to develop strategies, to improve business efficiency and maximize the benefits of the bank With these selected strategies, the author proposes solutions to implement these strategies Due to time, research methods as well as knowledge of the author is limited In addition, the experience in building IT strategy as well as knowledge in management and development of IT systems is not much From a subjective perspective of IT staff at BIDV, thesis inevitably are limited and subject to potential shortcomings The author would like to receive valuable comments from teachers and friends to complete the thesis Best regards! 91 REFERENCES Andrews, Kenneth R.1987, The Concept of Corporation Strategy, 3rd Edition, Irwin, BIDV Annual Report Year 2015, http://investor.bidv.com.vn/ BIDV Annual Report Year 2016, http://investor.bidv.com.vn/ BIDV Annual Report Year 2017, http://investor.bidv.com.vn/ BIDV‟sIT Strategy 2015-2020 period, vision 2025 BIDV, https://www.bidv.com.vn Fred David , Concepts of strategic management, 2015 Hoang Dinh Phi, Lecture Notes “Management of Strategies and plans”, Training Document for HSB-MBA, 2015 Hoang Dinh Phi, Lecture Notes “Management of Technology & Innovation, Basic Theories & Practices”, Training Docment for HSBMBA, 2015 10 Hoang Dinh Phi, Management of Technology, VNU Publishing House, 2012 11 http://mba-tutorials.com 12 http://www.businessdictionary.com 13 https://dictionary.cambridge.org 14 https://en.wikipedia.org 15 https://www.gartner.com 16 https://www.idc.com 17 https://www.pwc.com 18 https://www.techopedia.com 19 Information Technology Strategy 2013 – 2015 of African Development Bank Group at https://www.afdb.org 20 Information Technology Application Plan for Credit Institutions 201792 2020 period, Decision No.488/QĐ-NHNN dated March 27, 2017 of the State Bank of VietNam 21 IT role in banking operations: https://www.sbv.gov.vn/ 22 Regulations on information technology activities issued by the Ministry of Information and Communication: https://www.mic.gov.vn 23 Thommas L Wheelen, David Hunger, Strategic management and Business Policy, Pretice Hall, 2000 24 Vietnam finance Newspapers http://vietnamfinance.vn 93 APPENDICES (In English) SURVEY AND INTERVIEW My name is Trần Sỹ Cừ, I am doing my master’s dissertation in Ha noi School of Business (HSB) – Ha noi National University My master thesis is researching: “Building strategy for developing information technology infrastructure for server system and data storage at BIDV during 2019 – 2024” I hope you have a few minutes to answer the questions below All information provided by you will be kept confidential and will be used solely for the purpose of scientific research by the author Sincerely thank you for your help Part 1: Personal information • Name: …………………………………….… Age: …………………… … • Company/division: ………………………………………………………… • Position: ………………………………………………………………… • Telephone number: ……………………….Email: ………………………… Part 2: Evaluating the internal and external environmental factors affecting the development of the server component and data storage of BIDV Mark an X in the box score rating The score ranges from to 5, of which is very low; is low; is average; is good or high; is very good or very high Opinion on Seq Evaluation Criteria levels of significance I Opportunity in the next years 94 Opinion on Seq Evaluation Criteria levels of significance Trends in digital banking:digital banks are based on modern advanced IT To meet the requirements of new applications as required by digital bank, this is the opportunity to invest and develop IT in general as well as infrastructure for server system and data storage Virtual machines (VMs)/Virtual Server technology, Establishing a common server infrastructure, creating a modern, open, flexible and efficient system for meeting the diverse needs of banking applications Cloud computing technology Appliance device, dedicated for special purpose, such as Oracle Exadata Database Machine (to applicationsrequires high-performance oracle database) ; appliance for MIS system The investment needs of many new software applications to meet the requirements of banking operations require the IT infrastructure must be equipped with modern high-capacity processing New technology on data Storage like SAN, HADOOP, offline backup, The State Bank has issued many legal documents, to improve the legal framework, creating favorable conditions to encourage banks to develop products, modern services and modern IT platform infrastructure 95 Opinion on Seq Evaluation Criteria levels of significance II Challenges for the next years Banking Technology major changes, with new products and services based on IT, which requires IT must ensure the ability to meet the requirements of the business Without appropriate investment directions will be outdated in comparison with competitors The progress of information technology, as well as requirements of the new application software for high performance make some server systems as well as data storage with old technology will become backward and need to be replace by high performance system The operation of the banking system is increasingly dependent on the IT system BIDV has to comply with increasingly stringent regulations from state agencies and international organizations It requires the bank's IT to be developed, modern according to new standards in banking operations New technology is more complex, so if IT staff are not trained, updating knowledge will be difficult to manage, operate and exploit new systems III Current strengths The Information Technology of the bank is very modern, was built on the basis of compliance within international and domestic standards in banking 96 Opinion on Seq Evaluation Criteria levels of significance operations, meeting the requirements of business operation of the Bank Very strong support for IT from the Senior Management The server system, data storage is modern, well suited to serve the bank's business applications, meets the requirements on data safety and security The infrastructure system is built to allow high availability in operation, handling mechanisms in case of incidents or disasters Organizational structure for IT systems in general and IT infrastructure in particular is implemented in accordance with the recommendations of the World Bank The bank has strong financial resources and the management's priority in investing in developing modern IT systems as required by modern banking Skilled staff in some critical areas: server, data storage IT staffs are well trained and experienced in managing, operating and exploiting IT systems Committed and hard-working staff Ready to improve and change IV Weaknesses or limitations High machine ages of some server system (> years) 97 Opinion on Seq Evaluation Criteria levels of significance The recommendations of consulting firms need replacing to not use for the production (Can use for backup) Some old system which low capacity need replacing The staff for management and operation in server system and data storage are limited and need to be supplemented to meet the requirements for investment in IT infrastructure development in line with the bank's development needs Server virtualization ratios are still low, especially in the Power platforms server have not implemented virtualization Regulations related to the management and exploitation of the server system, data storage has many limitations need to be improved Lack of adequate training resources There is a need for a R&D lab, especially for the Infrastructure, such as virtualization server and data storage, new technology,… Based on the experience and your opinion, the contents of the questionnaire are really fit yet? If not, how should they be adjusted? Do you need to add or remove any elements? …………………………………………………………………………………………… 98 …………………………………………………………………………………………… …………………………………………………………………………………………… ……………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… ……………………………… …………………………………………………………………………………………… ……………… 99 APPENDICES (In Vietnamese) PHIẾU KHẢO SÁT KẾT HỢP PHỎNG VẤN Tên Trần Sỹ Cừ, thực luận văn thạc sĩ Hà Nội School of Business (HSB) – Thuộc Đại Học Quốc Gia Hà Nội Luận văn thạc sĩ tơi nghiên cứu có đề tài là: “Xây dựng chiến lược phát triển sở hạ tầng CNTT cho cấu phần máy chủ lưu trữ liệu BIDV giai đoạn 2019-2024” Rất mong anh/chị dành vài phút trả lời câu hỏi Mọi thông tin anh/chị cung cấp bảo mật sử dụng cho mục đích nghiên cứu khoa học tác giả Xin chân thành cảm ơn giúp đỡ anh/chị Phần 1: Thơng tin cá nhân • Họ tên: …………………………………….… Tuổi ………………… • Cơ quan, đơn vị cơng tác: ……………………………………………… • Chức vụ: ………………………………………………………………… • Điện thoại: ………………………… Email: …………………………… Phần 2: Đánh giá yếu tố môi trƣờng bên bên tác động đến phát triển cấu phần máy chủ lƣu trữ liệu BIDV Đánh dấu X vào có số điểm đánh giá Thang điểm đánh giá từ đến 5, đó, thấp; thấp; trung bình; tốt cao; tốt cao TT Tiêu chí đánh giá I Cơ hội năm tới Xu hướng ngân hàng số: Ngân hàng kỹ thuật số dựa Thang điểm tảng CNTT đại Để đáp ứng yêu cầu ứng dụng theo yêu cầu ngân hàng kỹ thuật số, 100 Tiêu chí đánh giá TT Thang điểm hội để đầu tư phát triển CNTT nói chung sở hạ tầng cho hệ thống máy chủ lưu trữ liệu Máy chủ ảo (VM) / Công nghệ máy chủ ảo, Thiết lập sở hạ tầng máy chủ chung, tạo hệ thống đại, cởi mở, linh hoạt hiệu để đáp ứng nhu cầu đa dạng ứng dụng ngân hàng Xu hướng Cơng nghệ điện tốn đám mây Xu hướng máy chủ chuyên dụng cho mục đích đặc biệt, chẳng hạn Máy sở liệu Oracle Exadata (đối với ứng dụng yêu cầu sở liệu oracle hiệu suất cao); Máy chủ chuyên dụng phục vụ cho hệ thống thơng tin quản lý MIS (địi hỏi xử lý liệu lớn) Nhu cầu đầu tư nhiều ứng dụng phần mềm để đáp ứng yêu cầu hoạt động ngân hàng đòi hỏi sở hạ tầng CNTT phải trang bị công nghệ xử lý công suất cao đại Công nghệ liệu lưu trữ SAN, hadoop, lưu offline, Ngân hàng Nhà nước ban hành nhiều văn pháp lý, cải thiện khung pháp lý, tạo điều kiện thuận lợi để khuyến khích ngân hàng phát triển sản phẩm, dịch vụ đại sở hạ tầng tảng CNTT đại II Thách thức năm tới Công nghệ ngân hàng thay đổi lớn, với sản phẩm 101 Tiêu chí đánh giá TT dịch vụ dựa CNTT, đòi hỏi CNTT phải đảm bảo khả đáp ứng yêu cầu doanh nghiệp Nếu khơng có hướng đầu tư phù hợp bị lỗi thời so với đối thủ cạnh tranh Sự tiến công nghệ thông tin, yêu cầu phần mềm ứng dụng cho hiệu cao làm cho số hệ thống máy chủ lưu trữ liệu với công nghệ cũ trở nên lạc hậu cần phải thay hệ thống hiệu suất cao Hoạt động hệ thống ngân hàng ngày phụ thuộc vào hệ thống CNTT BIDV phải tuân thủ quy định ngày khắt khe quan nhà nước tổ chức quốc tế Nó địi hỏi CNTT ngân hàng phải phát triển, đại theo tiêu chuẩn hoạt động ngân hàng Công nghệ phức tạp hơn, nên nhân viên CNTT không đào tạo, việc cập nhật kiến thức khó quản lý, vận hành khai thác hệ thống III Điểm mạnh Công nghệ thông tin ngân hàng BIDV đại, xây dựng sở tuân thủ tiêu chuẩn nước quốc tế hoạt động ngân hàng, đáp ứng yêu cầu hoạt động kinh doanh Ngân hàng Có hỗ trợ quan tâm đặc biệt cho CNTT từ lãnh đạo cấp cao Ngân hàng Hệ thống máy chủ, lưu trữ liệu đại, phù hợp 102 Thang điểm Tiêu chí đánh giá TT Thang điểm để phục vụ ứng dụng kinh doanh ngân hàng, đáp ứng yêu cầu an toàn bảo mật liệu Hệ thống sở hạ tầng xây dựng phép tính khả dụng cao hoạt động, chế xử lý trường hợp xảy cố thảm họa Cơ cấu tổ chức cho hệ thống CNTT nói chung sở hạ tầng CNTT nói riêng thực phù hợp với khuyến nghị Ngân hàng Thế giới Ngân hàng có nguồn lực tài mạnh ưu tiên quản lý việc đầu tư phát triển hệ thống CNTT đại theo yêu cầu ngân hàng đại Nhân viên có kỹ số lĩnh vực quan trọng: máy chủ, lưu trữ liệu Đội ngũ nhân viên CNTT đào tạo có kinh nghiệm việc quản lý, vận hành khai thác hệ thống CNTT Nhân viên cam kết chăm Sẵn sàng cải thiện thay đổi IV Điểm yếu hạn chế Tuổi máy cao số hệ thống máy chủ (> năm) Các khuyến nghị công ty tư vấn cần thay để không sử dụng máy chủ chinh (Có thể sử dụng máy chủ backup) Một số hệ thống cũ mà công suất thấp cần thay Nhân viên quản lý vận hành hệ thống máy chủ lưu trữ liệu bị hạn chế cần bổ sung để đáp ứng 103 TT Tiêu chí đánh giá Thang điểm yêu cầu đầu tư phát triển sở hạ tầng CNTT phù hợp với nhu cầu phát triển ngân hàng Tỷ lệ ảo hóa máy chủ cịn thấp, đặc biệt máy chủ tảng Power không triển khai ảo hóa Các quy định liên quan đến việc quản lý khai thác hệ thống máy chủ, lưu trữ liệu nhiều hạn chế cần cải thiện Thiếu tài nguyên đào tạo phù hợp Có nhu cầu cho phịng thí nghiệm R & D, đặc biệt sở hạ tầng, máy chủ ảo hóa lưu trữ liệu, công nghệ mới,… Theo kinh nghiệm ý kiến anh/chị , Các nội dung bảng hỏi có thực phù hợp chưa ? Nếu không, chúng cần điều chỉnh nào? Có cần thêm hay lược bớt yếu tố không? …………………………………………………………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… ………………………………… 104 ... LƢỢC PHÁT TRIỂN CƠ SỞ HẠ TẦNG CÔNG NGHỆ THÔNG TIN CHO CẤU PHẦN MÁY CHỦ VÀ LƢU TRỮ DỮ LIỆU CỦA BIDV TRONG GIAI ĐOẠN 2019-2024 Chuyên ngành: Quản trị kinh doanh Mã số: 60 34 01 02 LUẬN VĂN THẠC SĨ... 100 iv ABBREVIATION SEQ 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 ABBR AML API ATM BIDV BOD BSC CISC COBIT CRM DAS DC DRC EFE ERP FC Gbps HADOOP HDD... AT BIDV DURING 2019-2024 2.1 About BIDV and IT system of BIDV 2.1.1 About BIDV 2.1.1.1 BIDV - History and Development Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV)