Introduction to Banks and Banking

Banks provide services related to money:Keeping money safe Lending money Transferring money Tại sao ngân hàng tồn tại?. MỐI QUAN HỆ GIỮA NGÂN HÀNG & KHÁCH HÀNG BANK-CUSTOMER RELATIONSH

BANKS & BANKING

INTRODUCTION TO

PRESENTED BY TRAN HOANG HIEP

THỊ TRƯỜNG TÀI CHÍNH VÀ CÁC ĐỊNH

CHẾ TÀI CHÍNH

FINANCIAL MARKET &

FINANCIAL INSTITUTIONS

BANKS INSURANCE COMPANIES FINANCE COMPANIES

LEASING COMPANIES SECURITIES COMPANIES

GOVERNMENT AGENCIES

NON-GOVT ORGANIZATIONS ( NGO)

NON-GOVT ORGANIZATIONS ( NGO)

The role of banks

How does a bank makes profits?

VAI TRÒ CỦA

NGÂN HÀNG

THE ROLE

OF BANKS

The word BANK is derived from the Italian BANCA, means BENCH.

Money lenders in Northern Italy originally did business in open areas, or big open

rooms, with each working from his own

bench or table.

Nguồn gốc ngân hàng

Origin of banks

Banks provide services related to money:

Keeping money safe

Lending money

Transferring money

Tại sao ngân hàng tồn tại?

Why do banks exist?

INTEREST INCOME

FEE INCOME(CHARGES/COMMISSIONS)EXCHANGE PROFIT INVESTMENT RETURNS

Profit or loss?

Factors

RESOURCES UTILIZATION LIQUIDITY

BUSINESS STRATEGY HUMAN RESOURCES EXPERTISES

TECHNOLOGY

CUSTOMER BASE BUSINESS ENVIRONMENT

MỐI QUAN HỆ

GIỮA

NGÂN HÀNG &

KHÁCH HÀNG

BANK-CUSTOMER RELATIONSHIPS

Quan hệ Con nợ - Chủ nợ

(Debtor- Creditor)

Customer is a debtor to the bank when:

balance in his account (overdraft)

- He is using a credit card issued by the bank

Quan hệ Con nợ - Chủ nợ

(Debtor- Creditor)

Customer is a creditor of the bank when:

- he deposits his money into the bank

- the bank is having obligation to execute a payment in favour of the customer

Quan hệ Đại lý / Ủy thác

(Agency relationship)

(payment) on behalf of a customer

(cheques, collections, bills of

exchange…)

services on behalf of / under instructions

of a customer (payroll services, standing orders…)

Quan hệ Gửi & Giữ tài sản

(Bailor - Bailee)

- When a customer (the bailor) deposits valuable documents or things with the bank (the bailee) for safe keeping (D ch ị

v cho thuê két s t – Custody) ụ ắ

Quan hệ Cầm cố thế chấp

(Mortgager - Mortgagee)

keep/manage their properties as

collateral (security) for a loan granted by the bank

CÁC LOẠI

KHÁCH HÀNG

TYPES OF

CUSTOMER

FINANCIAL CUSTOMERS

• enterprises,

busiensses

• organizations,

agencies, associations, schools…

KHÁCH HÀNG DOANH NGHIỆP

• enterprises,

busiensses

• organizations,

agencies, associations, schools…

KHÁCH HÀNG TÀI CHÍNH

• financial

institutions

• investors,

brokers…

CÁC LOẠI HÌNH NGHIỆP VỤ

NGÂN HÀNG

BANK’S

OPERATIONS

For FINANCIAL CUSTOMERS

• Treasury operations

• Syndication

• Flotation

• Investment

CÁC MÔ HÌNH

NGÂN HÀNG

TYPES OF BANK

HỆ THỐNG NGÂN HÀNG

TẠI VIỆT NAM

THE BANKING SYSTEM

IN VIETNAM

Brief in the Banking System of Vietnam

Before 1988: mono-bank system, 1-tier system

After 1988: Changed to 2-tier system

(consisting of Central Bank and

specialized commercial banks

THE STATE BANK OF VIETNAM

(The Central Bank)

COMMERCIAL BANKS NON-BANK FINANCIAL INSTITUTIONS

State-owned

stock

venture

Joint-Foreign

Credit coopera- tive

People’s credit funds