Q1

GROUP’S TOPIC: January 1, 2023 VN, Ms. Thi is a mother over 46 years old living in District 3 and
needs to borrow money to pay for her daughter's first year of studying abroad at Yale University,
USA. Total tuition for the first year is 55,500 USD. Estimated living expenses are $29,500. Preliminary
information is as follows: -The remaining amount of money the family has accumulated so far is
1,000 million VND -The customer said that the total monthly income of the family (01 person) from
salary is 33 million VND/month, the price Coffee shop for rent in Tan Binh district for 30
million/month. -Have an admission letter from a foreign university and will stay in the school's
dormitory throughout the school year because the school provides free dormitory support. The
family's current total living expenses are 20 million VND/month. The family plans to set aside a
reserve of about 26.99% of idle income. - Loan interest rate at Vietinbank is 2.25%/quarter.
Exchange rate 1$ = 24,800 VND. Customers need to repay debt within 4 years. So, will the bank
agree to lend?

 Agree to making loan

Q2
STRENGTHS
- VietinBank offers a diverse range of lending products catering to different
customer segments, including retail, corporate, and SMEs. This diversity helps
spread risk and capture opportunities in various sectors of the economy "by
Vietinbank.vn"
- VietinBank may offer competitive interest rates on its loan products,
attracting borrowers and supporting loan growth "by theinvestor.vn"
- Low bad loan "by government news (~1,2%)"
- Established brand biggest retail "by The Asian banker in 2020"
- Leading one of the banks with the best study abroad loans “by Thebank.vn"

WEAKNESS
- Stringent Requirements: labor contract, payslip, loan contract, statement
invoice….
- Consequences of delay in education loan repayment for studying abroad “by
Elanloans”
- Currency fluctuations: impact loan repayment for student studying overseas.
From January 1, 2023 (23,612 VND/USD) to January 4, 2024 (24,800 VND/USD).
The VND/USD exchange rate increased by 4% in a year. This means that the
Vietnamese Dong increases in value compared to the US dollar.
https://m.baodauthau.vn/nam-2024-ty-gia-usdvnd-se-bien-dong-nhe-
post148692.html
OPPORTUNIES
- Partnerships with educational institutions “by Vietinbank.vn”
- The increasing trend of Vietnamese students opting to study abroad “by
idp.com”
- CIC 642 point: often require a strong credit history and collecteral => In our
report (ppt).
THREATS
- Fluctuations in the financial and currency markets can affect Vietinbank's
study abroad loan activities such as: High USD interest rates, sharp fluctuations
in exchange rates,... "by mof.gov.vn"
- Competition from Other Banks
https://azvay.com/vay-du-hoc-ngan-hang-vietcombank/