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This is your presentation title “Improving car loan service for individual customers at Bac A Commercial Joint Stock Bank (Bac A Bank) Thang Long Branch” Name of student Class 2 PART 1 INTRODUCTION OF THE REPORT PART 3 INTERNSHIP IMPLEMENTATION AT THANG LONG BRANCH – BAC A BANK PART 4 RESEARCH AND ANALYSIS IN THE INTERNSHIP
Bac A Commercial Joint Stock Bank “Improving car loan service for individual customers at Bac A Commercial Joint Stock Bank (Bac A Bank) - Thang Long Branch” Name of student: Class: PART 1: INTRODUCTION OF THE REPORT PART 2: OVERVIEW OF THE BAC A COMMERCIAL JOINT STOCK BANK – BAC A BANK PART 3: INTERNSHIP IMPLEMENTATION AT THANG LONG BRANCH – BAC A BANK PART 4: RESEARCH AND ANALYSIS IN THE INTERNSHIP PART 5: PROJECT ASSESSMENT PART 1: INTRODUCTION OF THE REPORT I Report reasons II Report objectives III Scope of research IV Research methods PART 2: OVERVIEW OF THE BAC A COMMERCIAL JOINT STOCK BANK (BAC A BANK) I Overview of the Bac A Commercial Joint Stock Bank – Bac A Bank Transaction name (Vietnamese name): Ngân hàng Thương mại Cổ phần Bắc Á English name: Bac A Commercial Joint Stock Bank Abbreviation name: BAC A BANK Authorized capital (2021): 7.531.000.000.000 VND (Seven thousand five hundred thirty one billion Vietnamese Dong) Head Office: Nghe An No 117 Quang Trung, Quang Trung Ward, City Vinh, Phone: (84-238) 3844277 3841757 Website: http://www.baca-bank.vn Số fax: (84-238) Vision, mission and core values of Bac A Bank Vision Mission With superior thinking, pioneering, professionalism, and continuous improvement, for the true happiness of each person, we are determined to get rich righteously, bringing sustainable value to investors and happiness for the community “Bac A Bank advises and serves a generation of businesses with sustainable development, creating core values, bringing true value to the community, and being environmentally friendly.” Core values ◉ Pioneers ◉ Professionally ◉ Reliable ◉ Continuous improvement ◉ For true happiness II Introduction of car loan products for individual customers 2.1 Definition 2.2 Product details 2.2.1 The car loan process for individual customers Finding customers Introduction of loan products Collect customer profiles Analyze customer profiles 2.2.1 The car loan process for individual customers Loan approval Sign the contract Disbursement Loan tracking and debt collection 10 a For Bac A Commercial Joint Stock Bank (Bac A Bank) Upgrading and developing technology Improving the car loan process for individual customers at Bac A Bank 44 Adjust and reduce loan interest rates It can be seen that Bac A Bank is one of the banks with high deposit interest rates, up to 7.1%/year at the moment Thereby, it can be understood that in order to balance with the deposit interest rate, banks need to adjust the lending interest rate reasonably, so the interest rate of Bac A Bank is difficult to compete To match this, Bac A Bank needs to make certain adjustments in loan interest rates in order to gain customer loyalty, as well as attract new customers 45 b For Thang Long Branch - Bac A Bank ◉ Improve the quality of training and retraining of bankers ◉ Increase maximum loan rate ◉ Use loan security measures 46 Improve gratitude activities and promotions for customers Debt classification and provisioning 47 PART 5: PROJECT ASSESSMENT I Project contributions 1.1 Key performance indicator – KPIs (Unit: VND) Performance Quota KPI target results up to May 2022 Completion proportion Loan outstanding balance 20 billion 7.6 billion 38% Capital mobilization 2.3 billion 46% Insurance billion 40 million 12.4 million 31% Card 20 card 10 card 50% Internet banking 20 E-banking 15 E-banking 75% Fee) Open a new individual customer card (FYP KPI of Mr Mai Quoc Vuong – Customer relationship individual specialist – Sales Department 49 My KPI Quota KPI target Performance Completion results up to proportion May 25, 2022 Open a new individual customer card Card 10 card card 50% Internet banking 10 card card 70% Call for customer support and advice on car loan 40 customers products for individual customers 30 customers 75% Do not violate regulations 100% 100% banking 100% * KPI implementation time (March 1, 2022 – May 25, 2022) 50 1.2 Key performance results – KPR ◉ Learned and gained more experience ◉ Promoted marketing by calling customers to advise and introduce products of Bac A Bank ◉ Opening credit cards, debit cards, etc to know more about the banking operations and also to be part of the customer relationship specialists ◉ Writing reports, and complying with all regulations of the bank during the internship 51 II Difficulties encountered The First The Second Finally Communication skills are limited Not having enough knowledge and experience Having difficulty in collecting customer opinions through surveys 52 III Internship gained ◉ Knowledge gained: I have grasped the process of a car loan application for individual customers, and some basic tasks of a bank employee 53 III Internship gained ◉ Experience gained: Especially in handling customer issues and questions Know how to absorb people's opinions, as well as how to give your own opinions 54 III Internship gained ◉ Skills gained: Communication skills, independent working skills, and necessary office skills (Word, Excel, Powerpoint, etc.) Skills in report writing, product introduction, and consulting Besides, there are the basic skills of a bank employee 55 IV Career plan In the Short – term: - Continue improve to learn In the Medium – In the Long – term: term: Working at a bank as and your knowledge and qualifications - Get a certificate in computer science - Continue to work at the bank Search and experience a positions at the bank to relationship gain specialist, pursuing a more experience, work thereby choosing the working position right for passion customer for the banking and finance industry you 56 CONCLUSION By studying the current situation at Bac A Commercial Joint Stock Bank - Thang Long Branch on car loan services between banks and customers, we can see that besides the encouraging results, there are still some limitations certain in the development of car loan service quality Therefore, to improve service quality and operational efficiency at Bac A Bank, we need coordination from many sides, not only the relationship between the bank and other organizations but also the combination of strategies Strategies to attract customers to use the service, as well as propose options to help improve the car loan service for individual customers My internship report cannot avoid errors due to time and ability constraints Therefore, the comments of teachers and friends are very valuable and necessary for me to successfully complete this project Sincere thanks to everyone! 57 Thank you For watching and listening! 58 ... such as international banks, small banks and financial companies similar 42 IV Recommendations 43 a For Bac A Commercial Joint Stock Bank (Bac A Bank) Upgrading and developing technology Improving. .. PART 2: OVERVIEW OF THE BAC A COMMERCIAL JOINT STOCK BANK (BAC A BANK) I Overview of the Bac A Commercial Joint Stock Bank – Bac A Bank Transaction name (Vietnamese name): Ngân hàng Thương mại... more about interest rates as well as loan processes and procedures 29 g Evaluation of satisfaction with the quality of car loan services at Bac A Commercial Joint Stock Bank - Thang Long Branch