k15psuqnh Lethingocthuy Pres
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Transcript of k15psuqnh Lethingocthuy Pres
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Topic: The state of lending operation to
construction and house repair at Vietnam
Joint Stock Commercial Bank for Industry
and Trade (Vietinbank) Danang branch
Supervisor: Master Nguyen Thi Tuyen Ngon
Student: Le Thi Ngoc Thuy
Class: K15PSU_QNH
Code: 152324251
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Chapter 1
Chapter 2
Chapter 3
CONTENT
The basis theory of lending operations to house construction
and repair in commercial banks
The state of lending operation to house construction and
repair at Vietinbank Danang branch over 3 years (2010-
2012)
Solutions and some recommendations to promote lending
operations to construction and house repair at Vietinbank
Danang branch
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Trade name: Vietinbank. Address: at 172 Nguyen Van Linh -
Thanh Khe District - Da Nang.
Website: www.vietinbank.vn Slogan: Improving the value of life
Vietinbank Danang is seperated from Industrial and Commercial Bank
of Quang Nam - Da Nang, Decision 14 Industrial and Commercial Bank
- Decision 17/12/1996 director General of the Industrial and Commercial
Bank of Vietnam. It was officially put into operation on 01/01/1997.
The establishment and development
The state of lending operation to house construction and repair
at Vietinbank Danang branch Chapter 2
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Chater 2 The state of lending operation to house construction and repair
at Vietinbank Danang branch
Mobilizing capital result (2010-2012)
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The result of lending at Vietinbank - Danang branch (2010-2012)
Unit: millions dong
Chapter 2
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Chapter 2 Business operations results at Vietinbank - Da Nang branch (2010-2012)
Unit: millions dong
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Chapter 2 The regulation of loan products to house construction and repair at
Vietinbank Danang branch
Loan
application Characteristics Document
procedures
Permanent residence
or KT3 in Danang
city
Have legal capacity and
individual capacity
Have full collateral for the loan
Full financial capacity
Loan limit: 70% of the demand
customer loan (for
medium and long
term loans) and 80%
of the demand
customer loan (for
short term loans)
Loan term: from 5 to 15 years.
Payment method Single, Installment
National ID Card/ valid Passport,
legal residence book
of customers
(copies); marriage
certificate (if any).
Proven record of repayment:
Home purchase contracts, Building
permit
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Chapter 2 The general situation of lending at Vietinbank-Danang branch (2010-2012)
Unit: millions dong
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Chapter 2 The situation of lending operation construction and house repair by loan term at Vietinbank Da Nang(2010-2012)
Unit: millions dong
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Chapter 2 The situation of lending operation construction and house repair by guarantee at
Vietinbank Da Nang (2010-2012)
Unit: millions dong
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Chapter 2 The situation of lending operation construction and house repair by purpose of loan
at Vietinbank Da Nang branch (2010-2012)
Unit: millions dong
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Chapter 2 The situation of lending operation construction and house repair by officers at Vietinbank Da Nang branch (2010-2012)
Unit: millions dong
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Chapter 2 Achievements
The scale of construction and house repairs loan
increasing through the years
The loan process in branch instructions are specified,
detailed
Scope of transaction office throughout the city
In recent years, the NPL ratio is low at branch
Lending policies consistent with customer needs
Strong financial position
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Chapter 2 Limitation
Debt collection method, loan application procedures,
processing time of credit documents are not competitive
compare to other banks
Collateral which is real estate has to have certificate of
house ownership and land using rights
Construction lending period is relatively short
Type of officer that can get construct and house repair loan
is limited
There is no credit support
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In 2013, on the basis of the guidelines for the Commercial
Bank of Vietnam, the branch focuses on
implementing these major objectives:
The mobilizing capital: 3,070 billions dong
Outstanding loans in the economy: 3,100 billions dong.
NPL collection: 213.014 billions dong, NPL under 3% of total outstanding loans.
Banking service revenue: 35.3 billions dong
Income: 363.230 billions dong, in which income from the business operation: 92.140 billions dong.
Chapter 3
Development plan of the Vietinbank Da Nang
branch (2010-2012)
Solutions and some recommendations to promote lending operations to
construction and house repair at Vietinbank Danang branch
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Loans term is suitable and shorten document resolution
time to increase competition
ability
Flexibility in the method repayment of principal and
interest, and agreement of
interest between Bank and
customers
Raise the valuation of the collateral to prevent bad debt.
Flexibility in accepting collateral document
Expansion lending subject
Established consulting department to support customer
Chapter 3 Solutions and recommendations to promote lending operations to construction and house repair at Vietinbank Danang branch
Simplify
procedures of loans
Diversify products for
lending construction
and house repair
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Thank you for your listening !"