DUY TAN UNIVERSITY INTERNATIONAL SCHOOL PSU DIVISION GRADUATION THESIS ANALYSIS OF CAPITAL MODIFICATION BY SAVINGS AT VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK, HAM NGHI - DA NANG BRANCH, PERIOD 2020-2022 Lecturer: MSc Dang Le Vu Student: Nguyen Thi Minh Lanh Grade: K25PSU-QNH Student code: 25202410048 Danang, 2023 DISCLAIMER I certify that the attached thesis is my original work No other person’s work has been used without due acknowledgement Except where I have l clearly stated that I have used some of this material, it has not been presented by me for examination in any other course or subject at this or any other institution I understand that the work submitted may be reproduced and/or communicated for the purpose of detecting plagiarism I understand that should this declaration be false, I am libel to be penalized under the Duy Tan University regulations Signature: Nguyen Thi Minh Lanh Date: May 20, 2023 ACKNOWLEDGEMENTS To complete this report, I would like to express my deep gratitude to Mr Dang Le Vu for his enthusiastic guidance throughout the process I would also like to thank the leadership and credit department of Vietnam Prosperity Commercial Joint Stock Bank, Ham Nghi branch, Da Nang city for creating conditions, guidance and support so that I can complete this report Due to limited time and limited understanding, it is difficult to avoid errors in the process of making this report Therefore, I look forward to receiving comments from teachers as well as from the credit department of Vietnam Prosperity Joint Stock Commercial Bank, Ham Nghi branch Da Nang, May 20, 2023 Author NGUYEN THI MINH LANH TABLE OF CONTENTS PREAMBLE 1 The urgency of the topic Research purpose of the topic Research question Objects and scope of research Research methods Theme layout 1.1 THEORETICAL BASIS OF CAPITAL MOBILE ACTIVITIES AT COMMERCIAL BANKS .4 1.1.1 The concept of capital of commercial banks 1.1.2 Classification of capital sources of commercial banks 1.1.2.1 Equity capital 1.1.2.2 Additional capital .4 1.1.2.3 Mobilized capital 1.1.3 The role of capital mobilization activities of commercial banks 1.1.3.1 For the bank .5 1.1.3.2 For customers .6 1.1.3.3 For the economy 1.1.4 Types of capital mobilization of commercial banks 1.2 THEORETICAL BASIS ON CAPITAL MOBILE ACTIVITIES IN THE FORM OF SAVINGS AT COMMERCIAL BANKS 1.2.1 The concept of capital mobilization in the form of savings 1.2.2 Features of mobilizing capital by saving deposits .7 1.2.3 Principles of raising capital by savings deposits 1.2.4 Savings deposit classification 10 1.2.4.1 Classification by form of interest payment 10 1.2.4.2 Categorize by customer 10 1.2.4.3 Sort by deposit method 10 1.2.4.4 Sort by product group .11 1.3 INDICATORS FOR ASSESSMENT OF DEPOSIT ACTIVITIES AT COMMERCIAL BANK 11 1.3.1 Savings deposit growth rate 11 1.3.2 Savings deposit mobilization structure 13 1.4 FACTORS AFFECTING DEPOSIT ACTIVITIES AT COMMERCIAL BANK 14 1.4.1 Subjective factors .14 1.4.2 Objective factors 16 CONCLUSION CHAPTER .19 CHAPTER 2: THE SITUATION OF CAPITAL MODIFICATION IN THE FORM OF SAVINGS AT VIETNAM PROSPERITY BANK, HAM NGHI BRANCH IN THE PERIOD OF 2020-2022 20 2.1 OVERVIEW OF VIETNAM PROSPERITY BANK, HAM NGHI BRANCH .20 2.1.1 Overview of the bank 20 2.1.2 The process of formation and development .20 2.1.3 Organizational structure 22 2.1.4 Functions of departments 23 2.1.5 Business performance of VPBank Ham Nghi in the period of 2020-2022 24 2.1.5.1 The situation of capital mobilization of VPBank Ham Nghi in the period of 2020-2022 .24 2.1.5.2 Loan situation of VPBank Ham Nghi in the period of 2020-2022 28 2.1.5.3 Business results of VPBank Ham Nghi in the period of 2020-2022 31 2.2 THE SITUATION OF CAPITAL MOBILIZATION IN FORM OF SAVINGS AT VIETNAM PROPERTY BANK, HAM NGHI BRANCH IN THE PERIOD OF 2020-2022 .35 2.2.1 Savings deposit products at VPBank Ham Nghi .35 2.2.2 Operation process of savings deposit mobilization 35 2.2.2.1 The process of direct deposit at the branch 36 2.2.2.2 Online savings deposit process 36 2.2.3 The situation of capital mobilization by savings deposits at VPBank Ham Nghi in the period of 2020-2022 37 2.2.3.1 Overview of deposit account mobilization at VPBank Ham Nghi in the period of 2020-2022 37 2.2.3.2 Analysis of the current situation of deposit account mobilization in the form of interest payment 40 2.2.3.3 Analysis of the current situation of savings deposit account mobilization by customers 44 2.2.3.4 Analysis of the current situation of depositing deposit accounts by deposit method 47 2.2.3.5 Analyze the current situation of deposit account mobilization by product group .50 2.3 ASSESSMENT OF THE EFFICIENCY OF CAPITAL MOBILE ACTIVITIES WITH SAVINGS AT THE VIETNAM PROSPERITY BANK, HAM NGHI BRANCH .54 2.3.1 Results 54 2.3.2 Advantage and disadvantage 55 3.1 ORIENTATION OF THE BRANCH 59 3.1.1 General direction .59 3.1.2 Orientation of deposit mobilization activities 60 3.2 SOME SOLUTIONS FOR DEVELOPING SAVINGS DEPOSIT AT THE BRANCH .61 3.2.1 Promote exploitation of potential customers 62 3.2.2 Developing a diversified and comprehensive system of products and services 63 3.2.3 Strengthen marketing activities, promote brand image 64 3.2.4 Improve the quality of staff .66 3.2.5 Improve service quality, enhance customer experience 67 3.3 SOME RECOMMENDATIONS TO VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK, HAM NGHI BRANCH 68 CONCLUSION 72 LIST OF TABLES Number 2.1 Table name The capital mobilization situation of VPBank Page 24 2.2 Ham Nghi in the period of 2020-2022 Loan situation of VPBank Ham Nghi in the 28 2.3 period of 2020-2022 Business results of VPBank Ham Nghi in the 31 2.4 period of 2020-2022 The situation of depositing deposit accounts of 37 2.5 VPBank Ham Nghi in the period of 2020-2022 The situation of depositing savings accounts in 40 the form of interest payment of VPBank Ham 2.6 Nghi in the period of 2020-2022 The situation of depositing savings accounts by 44 customers of VPBank Ham Nghi in the period of 2.7 2020-2022 The situation of depositing savings accounts by 47 deposit method of VPBank Ham Nghi in the 2.8 period of 2020-2022 The situation of depositing savings accounts by product group of VPBank Ham Nghi in the period of 2020-2022 50 LIST OF FIGURES Number 2.1 2.2 Names of graphs, figures, diagrams Organizational structure at VPBank Ham Nghi The situation of capital mobilization of VPBank Ham Page 21 24 2.3 Nghi in the period of 2020-2022 Loan situation of VPBank Ham Nghi in the period of 28 2.4 2020-2022 Business results of VPBank Ham Nghi in the period of 31 2.5 2.6 2.7 2020-2022 The process of opening a savings book at the counter The process of opening an online savings book The situation of depositing deposit accounts of VPBank 35 35 37 2.8 Ham Nghi in the period of 2020-2022 The situation of depositing savings accounts in the form 40 of interest payment of VPBank Ham Nghi in the period 2.9 of 2020-2022 The situation of depositing savings accounts by 44 customers of VPBank Ham Nghi in the period of 20202.10 2022 The situation of depositing savings accounts by deposit 47 method of VPBank Ham Nghi in the period of 20202.11 2022 The situation of depositing savings accounts by product group of VPBank Ham Nghi in the period of 2020-2022 50 PREAMBLE The urgency of the topic In recent years, the world and domestic economic situation have experienced many fluctuations, especially in the financial and monetary markets As a young and vulnerable economy, our country is still facing many difficulties due to the negative impact of the Covid-19 pandemic and the influence of world economic and political events However, there are still positive signs In that situation, the activities of organizations in the financial sector as well as the system of commercial banks have shown their importance In order for the economy to operate continuously and develop sustainably, capital is an urgent issue and should be given top priority Capital source and access to capital is one of the decisive factors for the success or failure of businesses For commercial banks - a special form of enterprise, financial intermediaries providing capital for the activities of other enterprises in the entire economy - capital sources and capital mobilization play an even more important role most important Banks must always focus on capital growth through mobilizing activities to ensure their reputation and demonstrate their capacity Recently, the events and bad news of the bond and deposit markets have partly affected people's psychology and disturbed the capital mobilization activities of banks in general and money mobilization send in particular Although Vietnam Prosperity Joint Stock Commercial Bank, Ham Nghi - Da Nang branch has always performed well, it still has to bear unavoidable systemic risks affecting the branch's operations After a period of practical experience and research on capital mobilization at VPBank Ham Nghi, I realized that it is important to learn, analyze and evaluate capital mobilization by the form of savings for the development of the bank With the desire to improve and enhance the efficiency of deposit mobilization of VPBank Ham Nghi, as well as domestic commercial banks, I would like to choose the topic: "Analysis of capital mobilization by savings Vietnam Prosperity Joint Stock