TRƯỜNG ĐẠI HỌC MỞ THÀNH PHỐ HỒ CHÍ MINH

KHOA ĐÀO TẠO ĐẶC BIỆT

TÀI CHÍNH QUỐC TẾ

PHÂN TÍCH MỘT SỐ ĐẶC ĐIỂM CỦA

MỘT NGÂN HÀNG QUỐC TẾ TẠI VIỆT
NAM – HSBC

SVTH: Phùng Thị Ánh Hằng

Vương Thanh Điền

Lê Trần Phi Yến

GVHD: Đỗ Thị Thanh Nhàn

Thành phố Hồ Chí Minh, năm 2023

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 MỤC LỤC
I. OVERVIEW HSBC............................................................................3

1. HSBC Holdings:...............................................................................3

2. HSBC in Vietnam.............................................................................3

II. HSBC PRODUCTS AND TYPES OF SERVICES.........................4

III. ANALYSIS SWOT..........................................................................9

IV. HSBC'S FINANCIAL ANALYSIS................................................11

1. Analysis of capital sources and use of capital:...............................11

2. Financial situation analysis:...........................................................12

3. Return On Equity (ROE) and Return On Assets (ROA):...............13

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I. OVERVIEW HSBC

1. HSBC Holdings:

HSBC Holdings plc is a British multinational universal

bank and financial services holding company. It is the largest bank in
Europe by total assets ahead of BNP Paribas, with US$2.953 trillion as
of December 2021. In 2021, HSBC had $10.8 trillion in assets
under custody (AUC) and $4.9 trillion in assets under administration
(AUA). HSBC traces its origin to a hong in British Hong Kong, and its
present form was established in London by the Hongkong and Shanghai
Banking Corporation to act as a new group holding company in 1991.
The Hongkong and Shanghai Banking Corporation opened branches
in Shanghai in 1865 and was first formally incorporated in 1866.
HSBC has offices in 64 countries and territories across Africa,
Asia, Oceania, Europe, North America, and South America, serving
around 40 million customers. 
HSBC is organised within three business groups: Commercial
Banking, Global Banking and Markets, and Wealth and Personal
Banking. 

2. HSBC in Vietnam

In 1870 HSBC opened its first office in Saigon (now Ho Chi Minh
City). In August 1995, the branch in Ho Chi Minh City was licensed to
operate and provide a full range of banking and financial services.
HSBC opened a second branch in Hanoi and established a representative
office in Can Tho city in 2005.
On January 1, 2009, HSBC became the first foreign bank to
establish a subsidiary in Vietnam. HSBC Bank (Vietnam) Limited

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(HSBC Vietnam) is a 100% owned subsidiary of the Bank of Hong
Kong and Shanghai. HSBC Vietnam is also the first 100% foreign-
owned bank and at the same time put its branches and transaction offices
into operation in Vietnam. Currently, HSBC is one of the largest foreign
banks in Vietnam.
HSBC (Vietnam) organizes customer-oriented activities in three
business groups: Commercial Banking (CMB); Banking and Global
Markets (GBM); Property and Personal Banking (WPB).
II. HSBC PRODUCTS AND TYPES OF SERVICES
Currently, HSBC is one of the largest foreign banks in Vietnam.
With 150 years of experience operating in the Vietnamese market,
HSBC provides a full range of banking and financial services including:
 Personal Finance and Wealth Management:
HSBC offers a full range of personal finance services including
time deposit accounts, current accounts and savings accounts in VND
and other foreign currencies, international payment cards and credit
cards can be used at 9,200 ATMs PLUS nationwide. HSBC credit cards
feature the best rewards program in the market through unique
Home&Away discounts at HSBC partners. Through international
experience and local knowledge HSBC provides clients with financial
solutions tailored to their individual needs such as: structured deposits,
foreign exchange, overdraft, payment services, and more. Payments,
home loans, home loans, unsecured loans, insurance services ranging
from life insurance to many other popular types of insurance.
 Corporate Banking Services:

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 HSBC has a team of experienced Customer Relations Managers
who can meet and fulfill the banking needs of domestic and international
corporate clients. Business banking products and services include
account services, payments and money management, online banking,
short-term loans, international trade finance, medium and large loans
long-term, syndicated lending and corporate bond issuance, interest rate
and exchange rate hedging instruments, bond products and services (bid
guarantee, performance guarantee, advance guarantee, and warranty
guarantee ), and business credit cards. There is also a professional
customer service center to answer all your phone inquiries.
 Global Financial Services:
Provides services to government institutions, multinational
corporations and major credit institutions around the globe by fostering
long-term relationships based on our experience. global banking system
along with the Group's understanding of the domestic market. Global
Financial Services includes banking services for corporate entities,
investment banking, project and export financing, and payment and
currency management services. Clients are served by a dedicated
customer service team that includes customer relationship managers and
product specialists to develop financial solutions that meet their needs.
individual needs of each customer. Investment banking services focus on
finding and executing transactions related to corporate finance, mergers

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and acquisitions, divestment, financial restructuring and other financial
solutions.
 Payment Services and Money Management:
HSBC's Payments and Money Management services are designed
to help corporate clients operate efficiently, profitably and get
comprehensive support. HSBC offers Account Management,
Transactions and Balances, and Liquidity Management Services,
covering all of our customers' payment and cash management needs.
Vietnam's economy with the habit of using cash requires banks to have
specialized, flexible and creative capabilities to help businesses make
payments and collect cash. HSBC has established electronic connection
networks and signed agreements with major domestic banks as well as
with Vietnam Post Corporation to use their extensive network to support
the needs of customers. nationwide cash collection and payment requests
of customers.
 Foreign Exchange and Capital Markets Services
HSBC is one of the banks with a leading currency and capital
department with a team of experienced professionals in the fields of risk
management consulting, bond trading, foreign exchange and bond
issuance advice. promissory note. We are also one of the largest market
makers in the dollar/dong interbank forex trading market and one of the
largest bond traders in Vietnam.

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 HSBC is a pioneer in providing derivatives solutions to corporate
clients and financial institutions. We are proud to be the first bank in
Vietnam to carry out an interest rate swap related to VND, the first VND
derivative transaction in Vietnam, laying the foundation for further
development. of the derivatives market in Vietnam. We also conduct the
first interbank dong interest rate swap and dollar/dong swap on the
market. HSBC is also the first bank to provide credit investment
products associated with credit risk in Vietnam and other credit risks
outside of Vietnam.
 International Payment Services and Trade Finance
As one of the leading banks in international payments and trade
finance, HSBC's team is always ready to support businesses regardless
of where they are operating. HSBC's Trade Finance and Payment Center
in Vietnam offers a comprehensive package of solutions ranging from
traditional document services to tailored solutions for businesses of
different sizes such as: : letter of credit, import and export revenue
collection, trade finance, complex trade finance solutions, supplier
financing solutions in the supply chain.
In particular, electronic solutions for commercial activities are
designed to assist customers in online management of global commercial
transactions anytime, anywhere:
 Electronic Payment Service (HSBCnet-ITS): is a global e-banking
service platform, allowing customers to perform import-export

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transactions such as opening and amending Letters of Credit, payment of
import documents Export, transfer the Export Letter of Credit, and have
access to all instant information about import and export accounts
anytime, anywhere..
 HSBC is the only bank in Vietnam that provides this facility for
free. Businesses will receive email notifications as soon as international
payment transactions are made at HSBC.
 Document Tracker service for global delivery: HSBC is the only
bank in Vietnam that provides global document tracking, allowing
customers to quickly track and retrieve documents. worldwide status of
documents (sent via DHL express service) 24 hours a day, 7 days a week
and absolutely free.
 HSBC e-PO Trader: helps customers manage electronic documents
and check the validity of transactions in an online website-based
bookkeeping method. The e-PO Trader system allows the buyer to
automate the payment decision process and helps the supplier to create
and present electronic documents and manage the status of the payment.
 Securities Services
HSBC was the first foreign bank licensed to provide custodial
services in Vietnam in 2000 and is currently the leading depository bank
in providing services to domestic and foreign investment institutions in
Vietnam. Vietnam is calculated on the value of custodial assets,
transaction volume and number of employees. HSBC provides total

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securities custodial and clearing services to global custodial banks,
stockbrokers, investment banks, hedge funds, insurance companies and
institutions. other foreign investment. These services include custody of
clients' securities (stocks, fund certificates and bonds); payment for
securities transactions (delivery and receipt of securities); exercise
rights; collect dividends and bond interest; statement of cash account
and securities account; proxy voting services; foreign exchange services
and other value-added services.

III. ANALYSIS SWOT

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 S W O T
-Large scale, strong -The -HSBC is -Market
financial potential advertising of constantly competition
-Global network. products and increasing its with other
-Wide distribution services is not prestige and commercial
system effective position in banks
-Advantages of -Complicated Vietnam and -The booming
international credit card ASEAN credit has
payment services, opening markets potential for
forex trading and procedures -Facilitating hot growth with
card services -Expensive the expansion increased risk
-Modern HSBC credit of long-term of bad debt and
technology, high card fee and low efficiency
quality service schedule sustainable due to
-Young and -Not cooperative increased risk
abundant resources optimizing the relationships provisions.
customer with large -The impact of
experience enterprises trade policy,
-The tight monetary
development policy will
of Vietnam's cause
import and difficulties for

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 export the banking
activities industry.
creates -The pandemic
opportunities has become
to attract new complicated
capital sources and prolonged,
-The potential causing the
of the industry financial
in the coming capacity of
years is still enterprises to
high decrease,
affecting the
ability to pay
debts on time.

IV. HSBC'S FINANCIAL ANALYSIS

1. Analysis of capital sources and use of capital:

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 Đơn vị: Triệu đồng, %
Year 2018 2019 2020 2021
Total 100.732.644 125.167.367 129.044.788 163.700.764
capital
Capital 14 14 16 15.45
Adequacy
ratio

HSBC's total capital increased continuously from 2018 to 2021 (up

from 100,732,644 to 163,700,764 million dong), of which equity
accounted for 40.01% and liabilities accounted for 360%. In total
capital, the proportion of liabilities is higher than the proportion of
equity. Thus, the company's capital mobilization policy at the end of the
year compared to the beginning of the year tends to increase the
proportion of capital mobilized from outside, reduce the proportion of
capital mobilized from within.
Looking at the table, we can see that in 2018 and 2019, the capital
adequacy ratio reached 14%, but in 2020, this index increased
significantly to 16% and then decreased to 15.45%.
Overall, HSBC's capital adequacy ratio maintained at a stable and
high level compared to the minimum capital adequacy ratio prescribed
by the State Bank of Vietnam (SBV) ( The general rule for CAR is 8%).

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 2. Financial situation analysis:

Đơn vị: Triệu đồng

Years 2018 2019 2020 2021
Revenue 5.178.462 5.357.311 4.456.887 4.464.169
Expense 2.709.955 2.982.284 2.870.055 3.148.180
Profit 2.468.507 2.375.027 1.586.832 1.315.989

In general, the revenue and profit of HSBC bank tend to decrease

gradually. Especially in the period of 2019-2020 affected by the Covid-
19. Therefore, banks need to take measures to improve revenue and
profit such as restructuring business activities, cutting operating costs,…

3. Return On Equity (ROE) and Return On Assets (ROA):

Đơn vị: %
Years 2018 2019 2020 2021
ROE 20,33 18,44 12,27 5,09
ROA 2,45 1,90 1,18 0,41

 ROE gradually decreases over the years

Business activities are not efficient, not effective in reversing
capital, need to change strategies to increase profits and productivity for
investors
 ROA gradually decreases over the years

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 Banking business is not good, the business has a lot of debt and
inefficient business, low profitability
V. Interest rates table.

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