GROUP 2

GV: Trnh L Tn

Phan Kiu Trang Thi Th Kiu Trinh

Nguyn Th Thanh Hng

Phm Ch Trung Nguyn Th Kiu Anh V Th Hoi Thng

I. Micro-enviroment

I. Micro-enviroment
The economic factors

The political environment law

Technological factors

Cultural factors - social

1. The economic factors

Trends and growth rates of GDP The income per person Inflation and interest rates Foreign Direct Investment Rate

2 . The political environment law

Operating policies the currency market :13 circular ( circular 19 amended) dated 20/05/2010 and 1/10/2010 effect from the stipulated capital adequacy ratio increased minimum CAR from 8% to 9 % and the total loan not exceed 80 % of total capital raised , circular and also increase the risk of investment loans. Resolution 11/NQ-CP. stipulated 19/2012/TT-NHNN lower deposit interest rate cap of 9 % on 11/6

3 . Technological factors
With the strong development of information technology and the internet in recent years in Vietnam had a strong impact to the business of banking . As of 2012 , the number of ATMs in the computer market reached 13,600 , an increase of 16.2 % over 2011 , with 46 participating banks issuing nearly 42.3 million payment card types , up 33 % from a year in 2011 .

4 . Cultural factors - social

Behavior of customers affected by many cultural factors : Education , consumption habits also influence people's behavior and needs of the users of client services . Income and living standards of people in Vietnam in recent years been considerably improved . With rising incomes , the people have accumulated cash and investments for the bank where they will be looking to make a deposit . Trends in the use of banking services by young people is increasing as loans , credit cards , ATM card , electronic bank created a new trend affected the operations of the bank .

II. The five competitive forces

1. The power of suppliers

The concept suppliers in the banking sector is quite diverse . They may be the shareholders provide capital for banking activities , or is the company responsible for system maintenance or ATMs The power of investors will increase very much if they have enough equity and the merger among banks may occur
.

2.The power of buyers

Strength represents clients in:
Information that customers understand, The characteristics of each product, Sensitivity to interest rates. Product differentiation, The level of customer focus in the industry, The availability of substitute products,

3.Competition among existing competitors

Total assets - capital
Total assets of the Bank increased constantly help banks improve further its position in the banking sector in particular and the economy in general. Equity and capital are basic to banking operations, is the cushion for the risk of banking operating. Mobilizing capital Banks still face difficulties in raising capital due to pressure to reduce lending rates and deposit. This pressure will be greater when the bank cut interest rates to make the agreed schedule of Bankers Association and the banks in the last months of 2011.

4. Substitute product of banking

isnt too much.

Basically , the products and services of Vietnam's banking sector may be classified into 5 categories: A place for receiving money A place to keep money A place for the implementation of the payment function A place to borrow money Is the activity where remittances.

5. Potential new Entrants:

Advertising Capital Control of resources Cost advantages independent of scale Customer loyalty Government regulations Switching barriers Sunk costs Research and development Investment Intellectual property Interest rate

III. Driving Forces

Changes in an industry's long-term growth rate Increasing globalization of the industry Emerging new internet capabilities and applications Changes in who buys the product and how they use it Product innovation Technological changes and manufacturing process innovation Marketing innovation Entry or exit of major firms Diffusion of technical know-how across more companies and more countries Changes in cost and efficiency Growing buyer preferences for differentiated products instead of a commodity Product( or for a more standardized product instead of strongly differentiated products) Regulatory influences and government policy changes Changing societal concerns, attitudes, and lifestyles

IV. Strategic group model

HIGH

LOW HIGH

CHARTER CAPITAL
LOW

TOTAL ASSET

Charter capital

Total asset

ARGRIBANK
VIETTINBANK BIDV VIETCOMBANK SCB MB NH CSXH TRUSTBANK VIETTINBANK NAMABANK

29.605
26.217 23.012 23.174 10.584 10.625 9.488 3.000 3.000 3.000

560.000
503.603 484.696 484.969 178.609 148.697 175.612 112.462 27.171 18.254 17.612

DEVELOPMENTBANK 10.847

key success factors

Strong network of distributions

Brand-building

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