Introduction to Banks and Banking
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INTRODUCTION TO
BANKS & BANKING
PRESENTED BY TRAN HOANG HIEP
THÒ TRÖÔØNG TAØI CHÍNH VAØ CAÙC ÑÒNH
CHEÁ TAØI CHÍNH
FINANCIAL MARKET &
FINANCIAL INSTITUTIONS
FINANCIAL MARKET
BANKS
BANKS
INSURANCE
INSURANCE COMPANIES
COMPANIES
FINANCE
FINANCE COMPANIES
COMPANIES
LEASING
LEASING COMPANIES
COMPANIES
SECURITIES
SECURITIES COMPANIES
COMPANIES
STOCK
STOCK EXCHANGE
EXCHANGE
FACTORING
FACTORING COMPANIES
COMPANIES
GOVERNMENT
GOVERNMENT AGENCIES
AGENCIES
NON-GOVT
NON-GOVTORGANIZATIONS
ORGANIZATIONS((NGO)
NGO)
NHẬP MÔN
NGÂN HÀNG
&
NGHIỆP VỤ NGÂN HÀNG
PRESENTED BY TRAN HOANG HIEP
NOÄI DUNG CHÍNH
The role of banks
How does a bank makes profits?
Bank–Customer relationships
Types of customer
Operations of a bank
Types of bank
The banking system of Vietnam
VAI TROØ CUÛA
NGAÂN HAØNG
THE ROLE
OF BANKS
Nguoàn goác ngaân haøng
Origin 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.
Taùi sao ngaõn haứng ton taùi?
Why do banks exist?
Banks provide services related to money:
Keeping money safe
Lending money
Transferring money
Caực dũch vuù ngaõn haứng
Banking services
Deposits
Loans
Payments
Caùc dòch vuï taøi chính
Financial services
Foreign Exchange (F/X)
Money Market (M/M)
Cash Management
Investment
Leasing
Syndicated lending
Factoring
Flotation
Etc…
Banking services
Deposits
Deposits
••Current
Current
accounts
accounts(không
(không
kỳ
kỳhạn)
hạn)
••Term
Termdeposit
deposit
accounts
accounts(có
(cókỳ
kỳ
hạn)
hạn)
••Savings
Savings
accounts
accounts
Lending
Lending
••Consumer
Consumerloans
loans
••Corporate
Corporateloans
loans
(Trade
(Tradefinance,
finance,
Project
Projectfinance…)
finance…)
••Overdraft
Overdraft(thấu
(thấu
chi)
chi)
••Credit
Creditcards
cards
Payments
Payments
•• Transfers
Transfers//
remittances
remittances
••Cheques,
Cheques,
banker’s
banker’sdrafts
drafts
••ATM,
ATM,cards…
cards…
••Letters
Lettersof
ofCredit
Credit
••Collections
Collections
Presented by TRAN HOANG HIEP
NGÂN HÀNG
TẠO LỢI NHUẬN
NHƯ THẾ NÀO?
WHERE DO A BANK’S PROFITS
COME FROM?
INTEREST INCOME
FEE INCOME
PROFITS
(CHARGES/COMMISSIONS)
EXCHANGE PROFIT
INVESTMENT RETURNS
Profit or loss?
RESOURCES
UTILIZATION
LIQUIDITY
Factors
CUSTOMER BASE
BUSINESS ENVIRONMENT
BUSINESS STRATEGY
HUMAN RESOURCES
EXPERTISES
TECHNOLOGY
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:
- he borrows money from the bank
- he withdraws money in excess of the
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)
- When the bank s collecting money
(payment) on behalf of a customer
(cheques, collections, bills of
exchange…)
- When the bank is providing payment
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. (Dịch
vụ cho thuê két sắt – Custody)
Quan hệ Cầm cố thế chấp
(Mortgager - Mortgagee)
- When a customer authorizes the bank to
keep/manage their properties as
collateral (security) for a loan granted by
the bank.
CAÙC LOAÏI
KHAÙCH HAØNG
TYPES OF
CUSTOMER
BANK’S
BANK’S CUSTOMERS
CUSTOMERS
PERSONAL
PERSONAL
CUSTOMERS
CUSTOMERS
CORPORATE
CORPORATE
CUSTOMERS
CUSTOMERS
FINANCIAL
FINANCIAL
CUSTOMERS
CUSTOMERS
KHÁCH
KHÁCHHÀNG
HÀNGCÁ
CÁ
NHÂN
NHÂN
KHÁCH
KHÁCHHÀNG
HÀNG
DOANH
DOANHNGHIỆP
NGHIỆP
KHÁCH
KHÁCHHÀNG
HÀNG
TÀI
TÀICHÍNH
CHÍNH
••individuals
individuals(local
(local
and
andforeign)
foreign)
••enterprises,
enterprises,
busiensses
busiensses
••financial
financial
institutions
institutions
••families
families(trading,
(trading,
manufacturing)
manufacturing)
••organizations,
organizations,
agencies,
agencies,
associations,
associations,
schools…
schools…
••investors,
investors,
brokers…
brokers…
CÁC LOẠI HÌNH
NGHIỆP VỤ
NGÂN HÀNG
BANK’S
OPERATIONS
BANK’S
BANK’S OPERATION
OPERATION
For
ForPERSONAL
PERSONAL
CUSTOMERS
CUSTOMERS
For
ForCORPORATE
CORPORATE
CUSTOMERS
CUSTOMERS
For
ForFINANCIAL
FINANCIAL
CUSTOMERS
CUSTOMERS
PERSONAL
PERSONAL
BANKING
BANKING
COMMERCIAL
COMMERCIAL
BANKING
BANKING
F.I.
F.I.OPERATIONS
OPERATIONS
••Deposits
Deposits
••Correspondent
Correspondent
••Personal
Personaldeposits
deposits
••Commercial
Commercialloans
loans
••Consumer
Consumerloans
loans
••Trade
Tradefinance
finance
banking
banking
••Treasury
Treasuryoperations
operations
••Personal
Personalpayments
payments
(remittances,
(remittances,transfers,
transfers,
cheques,
cheques,bankdrafts…)
bankdrafts…)
••Project
Projectfinance
finance
••Syndication
Syndication
••Payments
Payments(L/C,
(L/C,
Collections,
Collections,T/T…)
T/T…)
••Flotation
Flotation
••Cards
Cards
••Custody
Custody
••Consultancy
Consultancy
••Investment
Investment
CÁC MÔ HÌNH
NGÂN HÀNG
TYPES OF BANK
