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Defense Slides - Nguyễn Gia Khánh
Defense Slides - Nguyễn Gia Khánh
Defense Slides - Nguyễn Gia Khánh
BACHELOR’S THESIS
CY.
FACTORS AFFECTING CREDIT
EFFICIENCY
1. The economic environment factor.
2800
2700
OF THE
2600
2500
BRANCH
2400
FROM
2300
2200
2020-2022
2100
2020 2021 2022
OUTSTANDING LOANS BY
ECONOMIC SECTORS
2020 2021 2022
Amount Proportion Amount Proportion Amount Proportion
Individual 4076 88,8 4565 86,3 5226 87,3
customers
Corporate 513 11,2 722 13,7 758 12,7
customers
Total outstanding 4589 5287 5984
loans
THE PROPORTION OF CREDIT
LENDING AT TPBANK FROM 2020-
2022.
Lending 2020 2021 2022
purposes
100%
100%
88.80%
87.30%
86.30%
20 20 20 21 202 2
The maintenance of credit efficiency over
a rough period
The rise of in total capital mobilised from
ACHIEVEM individual customers.
ENTS The proportion of individual customer
loans to total loans remained very high.
The branch’s efforts to keep the products
diverse.
The limitations of the internal credit
rating system.
LIMITATIO The process of post-lending examination
NS AND leaves a lot to be desired.
THEIR Bad debts and overdue debts tend to
SOURCES remain at quite high levels.
=> The main source of the limitations lies
in human resources.
ORIENTATIONS
“Man is a future-oriented animal, he gets the best from
himself only when he has something to look forward to.” –
Mike Mentzer.
- Strived to be the branch with the highest revenues from
retail operations.
- Focusing on credit retail products.
- Keep its market share in the Old Quarter area
- ….
SOLUTION
S TO
IMPROVE
THE 1. Upscaling the individual customer
CREDIT base.
EFFICIENC 2. Promote internal inspection and
Y AT supervision in the branch
TPBANK
HOAN
KIEM
THANK YOU
FOR LISTENING