k15psuqnh Lethingocthuy Pres

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

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

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

Chater 2 The state of lending operation to house construction and repair

at Vietinbank Danang branch

Mobilizing capital result (2010-2012)

The result of lending at Vietinbank - Danang branch (2010-2012)

Unit: millions dong

Chapter 2

Chapter 2 Business operations results at Vietinbank - Da Nang branch (2010-2012)

Unit: millions dong

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

Chapter 2 The general situation of lending at Vietinbank-Danang branch (2010-2012)

Unit: millions dong

Chapter 2 The situation of lending operation construction and house repair by loan term at Vietinbank Da Nang(2010-2012)

Unit: millions dong

Chapter 2 The situation of lending operation construction and house repair by guarantee at

Vietinbank Da Nang (2010-2012)

Unit: millions dong

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

Chapter 2 The situation of lending operation construction and house repair by officers at Vietinbank Da Nang branch (2010-2012)

Unit: millions dong

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

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

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

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

Thank you for your listening !"