Câu 1: Advantage and Disadvantages of Electonic banking and Traditional

banking

Electronic banking:
- Advantages:
+ Convenience: E-banking makes it very easy for users to do different financial
activities. People don't need to go to the bank to access their bank accounts, they can
do it at any time while sitting in their homes.
+ Faster Service: People don't have to wait in line to pay their bills or transfer money
thanks to this system, which offers quick service.
+ Higher Interest Rate: Online banking services offer their users higher interest rates.
It has decreased the operational costs of banks, enabling them to provide better
interest rates on consumer deposits.
- Disadvantages:
+ Security problems: Online hackers' hacking of e-banking systems has led to several
security problems. Customers could suffer significant financial loss if they lose their
login information when making payments.
+ High Start-Up Cost: It costs a lot to set up different computers, software, hardware,
a modem, and an internet network. Banking businesses must make significant
investments to launch online banking services.
+ Transaction issues: Banking servers frequently go down, which causes transactions
to fail. Online payment issues that customers encounter are inconvenient.

Traditional banking:
- Advantages:
+ In-person Visits: Traditional banking offers in-person visits during their designated
office hours. You can go there for diverse financial transactions, including cash
deposits and withdrawals, ATM services, international transfers,..
+ Financial Security: With traditional banking, you're always sure that your money is
safe and insured, regardless of any casualty that the bank may suffer.
+ Access to Loans: Traditional banks have years of experience lending money and
have strict regulations on interest rates and repayments durations to ensure you get a
fair deal and that you are not taken advantage of.
- Disadvantages:
+ Cost of transaction: Traditional banks charge a fee for a variety of financial
services, from ATM maintenance down to checking your balance
+ Complexity in handling customer complaints: Although traditional banks offer face-
to-face customer service, they sometimes take a longer time to resolve customer
complaints than inline banks.
+ Availability: Traditional banks have designated office hours and days at which they
operate. This means that you can only visit the banks during this period.

Câu 2: The case of Merge and Acquistion (M&A) in banking Industry in Viet
Nam time. name of banke, reason, consequences
One of the most effective measures in restructuring commercial banks is mergers and
acquisitions (M&A). Thereby promoting and taking advantage of opportunities to
create greater resources in capital, technology, human resources and market share,
while limiting difficulties in bad debt liquidity as well as other limitations and
shortcomings. Some typical M&A deals during this period are Mekong Delta Housing
Development Joint Stock Commercial Bank (MHB) merging with Vietnam Joint
Stock Commercial Bank for Investment and Development (BIDV) Vietnam is
promoting M&A activities associated with bank equitization. The State's reduction in
ownership ratio in banks creates more room for foreign investors. The stock market
developed positively. Administrative procedures in equitization approval and
enterprise valuation are also increasingly improved.

Câu 3: Advantages and Disadvantages of M&A in bank's performance

- Advantages:
+ Improved Economic Scale: A new large business or a business that has acquired
another company generally has increased needs in terms of materials and supplies.
+ Enhanced Distribution Capacities: A merger or an acquisition may result in a
business expanding geographically, which would, in turn, increase the business's
ability to distribute goods or services to more people.
+ Increased Market Share: When two businesses operating in the same industry
become one, or when a company acquires another company operating in the same
industry, the new or larger company gets to enjoy a greater market share.
- Disadvantages:
+ Diseconomies of Scale: Sometimes mergers and acquisitions can result in
diseconomies of scale.
+ Higher Prices: A great market share is good for a business, but it can be bad for
consumers. When a company has less competition and greater market share,
consumers tend to pay more for products or services.
+ Lost Opportunities: The energy, time, and funds that go into the merger or
acquisition process could mean that the businesses involved give up other potential
opportunities.