Luận văn thạc sĩ issues in credit granting process in vp bank
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Luận văn thạc sĩ issues in credit granting process in vp bank
UNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of BusinessUEHISBLE HUNG CUONGStudent ID: 2217000SIssues in Credit Granting Process in V Luận văn thạc sĩ issues in credit granting process in vp bankVP bankMASTER OF BUSINESS ADMINISTRATIONHo Chi Minh City - 2019UNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of BusinessLE HUNG CUONGStudent ID: 2217000SIssues in Credit Granting Process in VP bank-MASTER OF BUSINESS ADMINISTRATIONSUPERVISOR: Prof. TRAN HA MINH QUANHo Chi Minh City - Luận văn thạc sĩ issues in credit granting process in vp bank 2019EXECUTIVE SUMMARYThis research is developed with the objective of identifying the main problems that lead to the downturn of credit growth rate oLuận văn thạc sĩ issues in credit granting process in vp bank
f VPBank during 2018. It was captured that VPBank has faced up with lower credit growth rate 111 2018 and this symptom was explauied by some problems,UNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of BusinessUEHISBLE HUNG CUONGStudent ID: 2217000SIssues in Credit Granting Process in V Luận văn thạc sĩ issues in credit granting process in vp bank time, impolite collection activities, slow SMS and mobile internet banking, lack of live banking services, high lead tune for customer complaints, incon ect information by sales teams, and less attractive advertising contents. However, only two problems are actually existed, namely higher document Luận văn thạc sĩ issues in credit granting process in vp bankprocessing time and inconect information by sales teams. Other problems have not had high impact or have no impact in coming years. Based on that, theLuận văn thạc sĩ issues in credit granting process in vp bank
researcher proposes set of solutions to help VPBank to further deci ease the time requned for document processing and to reduce adverse impact from wUNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of BusinessUEHISBLE HUNG CUONGStudent ID: 2217000SIssues in Credit Granting Process in V Luận văn thạc sĩ issues in credit granting process in vp banknt, and coimnunication.1PAR I 1 - BACKGROUND1.1.Company background1.1.1.History of establishment and developmentVietnam Prosperity Joint Stock Commercial Bank (VPBank) was established in 1993. Over 25 years of doing business in Vietnamese financial and banking industry. the bank achieved outstanding Luận văn thạc sĩ issues in credit granting process in vp bank result since its charier capital was reached US$681.19 million mid total asset was more than US$12 billion in die financial year of 2018. VPBank hasLuận văn thạc sĩ issues in credit granting process in vp bank
been listed in Ho Chi Minh Stock Exchange (HOSE) with 1.33 billion shares were issued to public investors. VPBank conducted the transformation ill 201UNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of BusinessUEHISBLE HUNG CUONGStudent ID: 2217000SIssues in Credit Granting Process in V Luận văn thạc sĩ issues in credit granting process in vp bank01 I, the bank-implemented different business initiatives consulted by McKinsey & Company and successfully raised charter capital to balance with new business capacity and development Tn 2012, \TBank achieved national brand value and it established risk management division to monitor risk issues in Luận văn thạc sĩ issues in credit granting process in vp bankbank wide level Tn 2013. VPBank was rated at B3 by Moody and it conducted Information Teclmology and Risk Management Master Plan, hl 2014 and 2015. VPLuận văn thạc sĩ issues in credit granting process in vp bank
Bank focused on mass consumer market by establishing VPBank Finance Company Limited (FECredit) and the bank was among largest corporate income tax payUNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of BusinessUEHISBLE HUNG CUONGStudent ID: 2217000SIssues in Credit Granting Process in V Luận văn thạc sĩ issues in credit granting process in vp banked a loan from International Finance Corporation (1FC) with cheap plice. hl 2017, VPBank conducted Initial Public offering (IPO) and it successfully issued 1.33 billion shares and raised nearly US$300 million horn public investors. Moody rated \ PBank as B2 which was known as an upgrade horn (he las Luận văn thạc sĩ issues in credit granting process in vp bankt rating in 2013. Digital banking services have been developed in order meet new business opportunities hl the market.1.1.2.Market shareAn illustrativLuận văn thạc sĩ issues in credit granting process in vp bank
e way to capture marker share ofVPBank is through its market capitalization in comparison with other banks and financial institutions listed in VietnaUNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of BusinessUEHISBLE HUNG CUONGStudent ID: 2217000SIssues in Credit Granting Process in V Luận văn thạc sĩ issues in credit granting process in vp bankzation of US$39 billion. Currently, VPBankhas been ranked at 6th position with US$2.1 billion, lower than VCB (US$10.8 billion). BIDV (US$5.2 billion). 1CB (US$3.8 billion). C FG (US$3.5 billion) mid BVH (US$2.8 billion). Based on this statistics, current market share of VPBank IS 5% 111 term of tot Luận văn thạc sĩ issues in credit granting process in vp bankal market capitalization value.21.1.3.Vision, mission, core valuesThe vision ofVPBank IS to become one of the 5 largest joint-stock commercial banks aLuận văn thạc sĩ issues in credit granting process in vp bank
nd one of the 3 leading retail joint-stock commercial banks in Vietnam. To support tins business vision, the bank conducts two different missions. TheUNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of BusinessUEHISBLE HUNG CUONGStudent ID: 2217000SIssues in Credit Granting Process in V Luận văn thạc sĩ issues in credit granting process in vp bankate segment The second mission refers to strong investment and continuous development of foundation systems, including human resource, information teclmology. risk management, and operation. Moreover, there are 6 core values which aie being maintained in VPBank, including make the difference, ambiti Luận văn thạc sĩ issues in credit granting process in vp bankon, customer focus, trust, people development, and productivity. Toward the long-term and sustainable development. VPBank committed to deliver bankingLuận văn thạc sĩ issues in credit granting process in vp bank
products and senices to the customers with professionalism, simplicity, dedication, and difference.1.1.4.Organization structureCurrently. VPBank has UNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of BusinessUEHISBLE HUNG CUONGStudent ID: 2217000SIssues in Credit Granting Process in V Luận văn thạc sĩ issues in credit granting process in vp bankpported by Boaid of Directors. Chief Executive Officer (CEO) is managing advisory units (finance, lisk management, human resource management, strategy and project management) and business units (retail banking, household banking. SME banking, commercial banking, corporate and investment banking, dig Luận văn thạc sĩ issues in credit granting process in vp bankital banking senices, financial institution and transactional banking) and operating and supporting units (credit, operations, information teclmology,Luận văn thạc sĩ issues in credit granting process in vp bank
legal and compliance, business intelligence competency center, and marketing and communication). Moreover, current organization structure addresses tUNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of BusinessUEHISBLE HUNG CUONGStudent ID: 2217000SIssues in Credit Granting Process in V Luận văn thạc sĩ issues in credit granting process in vp bankedit and collections committee. Supervisory board and internal audit are established to support Board of Directors in entire banking management and monitoring3VPBANK ORGANIZATION CHARTExecutive CommitteeALCO Luận văn thạc sĩ issues in credit granting process in vp bankUNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of BusinessUEHISBLE HUNG CUONGStudent ID: 2217000SIssues in Credit Granting Process in VGọi ngay
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