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da theo ma tran SWOT : 1. Cc im mnh (Strengths) 1. Thng hiu mnh 2. Ngn hng ln th 3 xt v tng ti sn 3.

C h thng mng li chi nhnh rng khp. 4. i ng qun l mnh 5. Tim lc mnh v hot ng ngn hng bn bun, kho qu, ti tr thng mi, thanh ton quc t cng nh ng dng cc cng ngh ngn hng hin i 6. i ng khch hng ca NHTM VN kh ng o. Do VCB chim th phn ln v hot ng tn dng, huy ng vn v dch v, kinh doanh th. 7. i ng nhn vin tn ty, ham hc hi v c kh nng tip cn nhanh cc kin thc, k thut hin i. 8. C c s quan tm v h tr c bit t pha NH Trung ng. 9. VCB ang thc hin c phn ho v hin i ha ngn hng. 10. VCB l trung tm ngoi t lin ngn hng 2. Cc im yu (Weaknesses) 1. Nng lc qun l, iu hnh cn hn ch so vi yu cu ca NHTM hin i (th hin t sut li nhun v cht lng ti sn cha cao. Trn bnh din quc t, VCB c vn ch s hu nh so vi NH trong khu vc (hin vn ch s hu ca VCB l 4.300 t ng, tng ng khong 265 triu USD). 2. Phn ln ngun thu ca VCB vn l bn bun (kinh doanh trn th trng tin t v cho vay cc DN ln), cha pht trin mnh c mng dch v bn l (l mng dch v c tim nng v s quyt nh s sng cn ca cc NHTM trong tng lai). 3. Cc t l v chi ph nghip v v kh nng sinh li ca VCB cn thua km cc ngn hng trong khu vc. 4. Qu trnh ti c cu hot ng v chun b CPH ko qu di cng nh hng n vic tp trung ngun lc cho cc hot ng kinh doanh. 5. Vic o to v s dng cn b, nhn vin cn bt cp so vi nhu cu ca nghip v mi 6. S lin kt gia VCB vi cc NHTM cha tht s cht ch 7. M hnh t chc ca VCB cn mang nng tnh hnh chnh v phn theo khu vc a l (chiu ngang), thiu tnh tp trung theo chc nng (chiu dc) nn cha cho php thng nht qun l v thc hin ng b ha chnh sch khch hng v sn phm 8. C ch chnh sch khuyn khch ngi lao ng cn nhiu bt cp 9. Mc phi kt hp trong vic pht trin cc sn phm dch v cha thun li, cha to c nhiu tin ch cho khch hng nh kt ni s dng th gia cc ngn hng. Cc thch thc (Threats) 1. Vic m ca th trng ti chnh s lm tng s lng cc ngn hng c tim lc mnh v ti chnh, cng ngh, trnh qun l lm cho p lc cnh tranh tng dn. 2. p lc ci tin cng ngh v k thut cho ph hp c th cnh tranh vi cc ngn hng nc ngoi.

3. H thng php lut trong nc, th ch th trng cha y , cha ng b v nht qun, cn nhiu bt cp so vi yu cu hi nhp quc t v ngn hng. 4. Chu tc ng mnh ca th trng ti chnh th gii, nht l v t gi, li sut, d tr ngoi t, trong khi phi thc hin ng thi nhiu ngha v v cam kt quc t trong qu trnh hi nhp Chy mu cht xm l vn kh trnh khi khi m ca hi nhp. Chu nh hng t tnh hnh kinh doanh ca c ng ln, tnh hnh ti chnh, chng khon, bt ng sn S cnh tranh t cc NH c chin lc kinh doanh tng ng nh Incombank, BIDV 4. Cc c hi (Opportunities) Hi nhp to iu kin: a. Tranh th vn, cng ngh v o to i ng cn b b. To iu kin cho VCB tng bc m rng hot ng quc t, nng cao v th ca VCB trong cc giao dch ti chnh quc t c. To ng lc thc y cng cuc i mi v ci cch VCB. Hc hi c nhiu kinh nghim trong hot ng ngn hng ca cc ngn hng nc ngoi. 2. Lnh vc hot ng NH ti VN vn cn trong giai on pht trin ban u. Qu trnh th ho nhanh chng vi dn s thnh th tng nhanh m ra c hi khai thc tim nng th trng ng k trong lnh vc NH v dch v ti chnh ca VN. STRENGTHS - Thng hiu mnh - Ti sn ln - i ng qun l mnh - Tim lc NH bn bun - C mng li rng, th phn ln - Nhn vin cht lng cao - L trung tm ngoi t lin ngn hng OPPORTUNITIES - Hi nhp quc t - Nn KT pht trin + Tc th ha nhanh - S1S2S3O2: CL a dng ha sang cc lnh vc khc - S1S2S5O2:CL a dng ha sn phm + Khc bit ha bng cht lng sp -S1S2S3S7O1O2 Tch hp: M WEAKNESSES - Kh nng sinh li yu - Qtr ti c cu ko di - o to cn b cn hn ch - Lin kt yu vi cc NH kh - M hnh t chc mang nng tnh hnh chnh -Kt hp cc sn phm cha ng b - W1W3W4O1O2: Lin kt hp tc vi cc NH trong v ngoi nc - W1W6O2:a dng ha sn phm + Nng cao cht lng sp dv

THREATS - Hi nhp quc t - S cnh tranh t cc NH c chin lc tng ng - p lc ci tin CN - H thng php lut cha hon thin - Sp thay th -Chy mu cht xm

rng chi nhnh + Lin kt vi cc NH nc ngoi - S1S2S3S4T1T2T3: Khc bit ha bng cht lng sp: nng cao cht lng dch v - S1S2S3S4T2T3:Lin minh hp tc - S1S2S5T5: a dng ha lnh vc hot ng

- W1W7T2T6: a dng ha sang cc lnh vc khc - W3W4T2T3: Lin kt hp tc vi cc t chc, ngn hng khc

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