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1. 1
Báo Cáo Thực Tập Tiếng Anh Tại Ngân Hàng Việt
Nam Thịnh Vượng
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Dịch Vụ Hỗ Trợ Viết Thuê Tiểu Luận,Báo Cáo
Khoá Luận, Luận Văn
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Tables of Contents
Internship Report in VP Bank.............................................................................................. 4
Basic Information................................................................................................................. 4
Executive Summary............................................................................................................. 5
1. Description of VP Bank................................................................................................... 6
1.1 Introduction to VP Bank. ........................................................................................... 6
1.2. The type of ownership............................................................................................... 7
1.3. Banking services. ...................................................................................................... 8
1.4. VP Bank’s customers ................................................................................................ 8
1.5. Organization chart..................................................................................................... 9
1.6. Functions of credit department.................................................................................. 9
1.7. VP Bank’s performance 2015-2017........................................................................ 10
2. Internship activities........................................................................................................ 12
2.1. Contact the Customers ............................................................................................ 12
2.2. Prepare notarized documents and prepare documents for transaction registration. 13
2.3. Keep a record .......................................................................................................... 13
2.4. Customized customer management to collect debt and interest ............................. 14
2.5. Completing the contract from the customers .......................................................... 14
2.6. The activities of credit department.......................................................................... 14
2.6.1. Roles of credit department................................................................................ 14
2.6.2 Evaluate the performance of credit department ................................................ 15
2.6.3 Some problems of credit department................................................................. 17
3. An assessment of the internship..................................................................................... 18
3.1 New skills acquired and skills improved ................................................................. 18
3. 2 Management techniques observed. ......................................................................... 18
3. 3 Technical skills employed....................................................................................... 19
3.4. Responsibilities undertaken during the internship period....................................... 19
3.4.1. Marketing and Search potential customers ...................................................... 19
3.4.2. Contact and advise customers .......................................................................... 19

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3.4.3. Evaluating customers........................................................................................ 20
3.4.4. Assist the customer to carry out necessary procedures.................................... 20
3.4.5. Monitoring the use of loan ............................................................................... 20
3.5. Impact of internship on future career...................................................................... 20
4. Conclusion ..................................................................................................................... 21
REFERENCES .................................................................................................................. 23

4. 4
Internship Report in VP Bank
Basic Information
Student full name:
Internship start and finish dates,
Number of internship days,
Type of internship: Banking
company/institution name: Vietnam Prosperity Joint Stock Commercial Bank (VP Bank).

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Executive Summary
Fifteen years of existence and development have marked the impressive success VP Bank
has achieved, experiencing many difficulties and hardships, VP Bank has progressed,
constantly efforts to perfect themselves, create Be confident in the customer. So far, VP
Bank has been present in most of provinces and cities in the country, products and
services of VP Bank are increasingly diversified. 15 years has helped VP Bank become a
close friend, a reliable address of individuals, organizations and businesses when the need
to use the service.
In the intership, the student has chance to join credit department in PV Bank. Credit not
only satisfies many objects and economic components, but also meets the needs of
customers with diversified loan terms such as short-term, medium-term and long-term
credit. Credit also extends to many industries such as industry, agriculture, forestry,
fisheries ... Although credit has many advantages, but also disadvantages because credit is
also a business. Therefore, there are always risks, which directly affect the business of the
bank and can affect the interests of customers.
The operation of the Vietnamese banking system is currently inadequate, threatening to
cause unexpected consequences for the socio-economy. The process of restructuring the
banking system of Vietnam is being implemented quite drastically. This report will focus
on addressing PV bank’s strenght, as well as evaluating its shortcomings. Then proposing
some measures is presented to help the bank overcome these shortcomings, creating a
prerequisite for the restructuring of banking system to achieve high efficiency, epecially
in credit department.

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1. Description of VP Bank
1.1 Introduction to VP Bank.
Bank’s Name: Vietnam Prosperity Joint Stock Commercial Bank - VP Bank.
Tel: Individual Customer: 1900545415 (Key 1) - Business Customer: 1900545415 (Key
2)
Website: https://www.vpbank.com.vn
VPBank was established on 12/8/1993. After nearly 25 years of operation, VPBank has
developed its network to 219 transaction offices with a staff of nearly 24,000 staff. By the
year 2017, VPBank's charter capital has increased to VND15,706 billion. (VP Bank,
2018)
VPBank is step by step affirming the prestige of a dynamic bank, stable financial capacity
and responsible to the community. In 2017, VPBank's five-year journey (2012-2017),
with its brilliant achievements in terms of scale and profit, has made VPBank one of the
leading commercial joint stock banks in Vietnam. (VP Bank, 2018)
The remarkable growth of VPBank is demonstrated by the expansion of its network of
branches and transaction offices throughout the country and the diversification of sales
and distribution channels.
The bank is always the market leader in applying advanced information technology in
products, services and operating systems. Together with the establishment of a strong and
effective corporate culture, core human resource management systems have been
successfully developed and implemented at VPBank. In addition, the Bank has gradually
developed an independent, centralized and specialized risk management system that
meets international standards and is aligned with the Bank's business strategy. In addition
to implementing the best international practices in corporate governance, VPBank
continuously improves its organizational structure in a transparent and transparent
corporate governance policy.
With continuous efforts, VPBank's brand name has become stronger and stronger through
many prestigious awards. In particular, VPBank has received 20 national and
international awards in 2017, showing VPBank's impressive growth in terms of brand
value.

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VPBank is ranked as one of the four banks with the highest brand value and is one of the
22 most valuable brands in Vietnam in 2017 by Brand Finance, a leading brand valuation
consultancy firm.
As one of the earliest established commercial joint stock banks in Vietnam, VPBank has
had a steady evolution throughout its history. Especially since 2010, VPBank has grown
tremendously with the development and implementation of a comprehensive
transformation strategy under the support of one of the world's leading strategic
consulting firms. According to this strategy, VPBank aims to become one of the top 5
joint stock commercial banks in Vietnam and one of the top three retail joint stock banks
in Vietnam by 2017. (VP Bank, 2018)
The vision is realized by a strategy of two main pliers:
Strong organic growth, focusing on the personal and SME segments, while exploiting
opportunities in the corporate and consumer segments.
Building solid foundation systems in organization, personnel, technology, operations, etc.
Backstopping on the above strategy is the corporate culture of VPBank, built and built on
six core values: Customers are the focus; Effective; Ambitious; Human Development;
Trust; Make differences.
1.2. The type of ownership.
VPBank does not have any shareholder owning more than 5% of capital. Domestic
shareholders hold a total of 23.48% of the equity while individual shareholders hold
48.87%.
VPBank is also one of the banks with the highest chartered capital in the private equity
group. Over 23 times of capital increase since its establishment, from VND20 billion in
1993, VPBank has over VND14,000 billion in chartered capital and holds two
subsidiaries, AMC, and Fe Credit Consumer Finance Corporation with chartered capital
of nearly 3 trillion dong. (Vietnam News, 2018)
In particular, 2017 is a historic landmark of the bank as nearly 1.5 billion shares are
officially listed on the HOSE, attracting great attention from domestic and international
investors.

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Regarding shareholders structure, VPBank does not have any shareholder owning more
than 5% of capital. Domestic shareholders hold a total of 23.48% of the equity while
individual shareholders hold 48.87%. Foreign shareholders of the bank have no individual
investors, with 78 institutional shareholders holding a total of 22.34% of bank capital -
this is a remarkable and first published information. According to current regulations,
foreign investors are not allowed to own more than 30% of capital in domestic banks.
Therefore, after the listing, if foreign shareholders do not want to sell their shares, room
for foreign investors New also not much. (Vietnam Investment Review, 2018)
Among internal shareholders, VPBank has not many leaders holding shares of the bank.
Significantly, only Chairman Ngo Chi Dung and his family hold more than 14.5% of
capital; Mr Bang Bang vice chairman and his family also owns about 13.5%, another vice
president Bui Hai Quan and his family also hold a small percentage of shares. After
August 17, VPBank's board of directors and their relatives will contribute not less than 7
people to the top richest people on the stock market.
1.3. Banking services.
The Bank operates mainly in the area of capital mobilization and credit lending. In
addition, VPBank also participates in international payment, foreign exchange trading,
financial investment, risk management and capital preservation.
In addition, in the direction of "Customer Focus", the transaction points have been
completely changed in terms of appearance, model and service facilities. The products
and services of VPBank are always improved and combined with more facilities to
increase the benefits for customers ... All contributed to satisfy the current customers and
attract more new customers, Expand VPBank's customer base in both size and time with
fast speed.
1.4. VP Bank’s customers
VP bank's customers are the companies, organization, individuals,… who play a double
role for the Bank. First, they provide the conditions for VP Bank to operate. They are the
source of capital for VP Bank. Second, they are customers using VP Bank products, such
as for loans, using services of the Bank. For the most part, these customers, using the

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same currency they sent. Therefore, customers are the input providers for the Bank and
they are also the users of VP Bank's products.
1.5. Organization chart.
The bank's human resources system is about 9,200 people, of which about 14% are
seasonal workers and probationers, and the rest are laborers who sign time-bound and
indefinite contracts.
Figure 1: VP Bank’s Organization chart
1.6. Functions of credit department
The credit department is provided with detailed functions and tasks in line with the
organizational model and new management mode, but not contrary to the basic functions
and duties stipulated by the Board of Directors of VP Bank. VPBank implements most of
the key banking activities that VPBank has been authorized by the SBV to include:
lization of funds through the receipt of demand deposits and term deposits from
domestic and international financial institutions. Water in VND and foreign currencies

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economic organizations and individuals.
oney transfer
service. And a number of other professional activities in accordance with general
regulations of VP Bank.
1.7. VP Bank’s performance 2015-2017.
Profit is the ultimate indicator of whether a bank is performing well in the business.
Except for nonprofit banks, all other banks are turning to profit-oriented, profit-driven and
all-for-profit. By profit determines survival, asserting competitiveness, and bankability in
an economy that is inherently uncertain and harsh.
In addition, if the bank is profitable, the bank will expand credit growth, create jobs,
increase incomes, and accelerate economic growth. In order to determine the profit before
tax of a bank, it is necessary to determine income and expenses. Because the difference
between income and cost is profit. The following table shows the business results of the
branch in recent years.
Unit: Billion VND
Targets 2015 2016
Difference
2016/2015 2017
Difference
2017/2016
Amount % Số tiền %
Income 405.27 721.89 316.62 78.13% 1,040.08 318.19 44.08%
Income from
lending
activities 297.69 463.39 165.70 55.66% 693.38 229.99 49.63%
Income from
service
activities 99.23 239.63 140.40 141.49% 321.37 81.74 34.11%
Other
revenues 8.35 18.87 10.52 125.99% 25.33 6.46 34.23%

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Cost 338.03 630.64 292.61 86.56% 724.14 93.50 14.83%
Provision for
credit losses 12.334 19.43 7.10 57.53% 24.12 4.69 24.14%
Other
activities 325.696 611.21 285.51 87.66% 700.02 88.81 14.53%
Profıt 67.24 91.25 - - 315.94 - -
Figure 2: Business results - (Source: VP Bank)
Income and expenses have increased over the years, but the increase in income is higher
than the increase in costs, so the profitability of the branch has increased over the years,
which proves to be a good sign of the Bank. Although banks are now competing fiercely,
new banks often adopt attractive forms of mobilization and lending to entice customers.
Therefore, in order to retain old customers and compete with other banks, the bank spent
a considerable amount of money through raising interest rates and raising capital. In
addition, the expansion and development of the network, with the expansion of the
transaction office, the scale of the old transaction office has also taken a considerable cost
but in return, the income of the Ngan Rising. Therefore, the profit of the branch over the 3
years has increased

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2. Internship activities
There are some activities that student performed during the internship period in a Credit
department. Students participate in and implement the lending process at the credit
department of VP bank.
2.1. Contact the Customers
Step 1: The student analyzes options such as economic contracts, invoices, deposit ...then,
the student requests the customers to submit the photo board of permanent residence, ID
card, certificate single registration or marriage certificate, professional certificate, permit
or business registration papers, house papers.
Step 2: the student guides the customers to carry out loan procedures suxh as request for
loan; Business plan if customers borrow money to supplement capital for operation
business or home loans if customers borrow money to buy land; If for the purpose of
consumption, make a loan application form cum debt repayment
Step 3: the student appraise collaterals. Firstly, it is appointment date and time for
evaluation, then take the customers’ name, phone number of credit officers to valuate
assets. Secondly, the student assesses collateral and repayment ability of customers. the
student also makes the credit assessment report proposes the amount, time and interest of
loan with the repayment of the customer to the head of the credit bureau, then submitting
to the Board for approval.
Step 4: It is Notarization and registration of secured transactions. Once the credit
appraisal report has been approved, the bank informs the the customers to confirm
housing status. Credit contract are made with 4 copies; mortgage contract are made with 5
copies; Bound Mortgage or guarantee valuation are made with 3 copies; Secured
transaction registration is made with1 copy. Then, the student submits to the Chief of
Staff and Board of Directors, as well as entering orebank to get the credit contract
number, registering the management board for the number of the company. at last, the
students makes customer appointments at the notary office, guides customers to bring full
records of ID card and photo ID, photo ID. After notarization, the student goes to register
for secured transaction.

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Step 5: the student keep a record. the student makes a debt acknowledgment and report to
the department and board of directors, as well as entering the orebank to get the debt,
stamp, transfer the file to the credit officer. by the way, the student makes a record of
delivery and receipt of the original house file, and send it to the office funds.
Step 6: the student collects interest and close the contract. At first, the student monitors
and checks the process of using loan: monthly before maturity. the customers are
reminded to pay principal and interest on time. The customers pay back principal and
interest.
2.2. Prepare notarized documents and prepare documents for transaction registration
The student prepares notarized documents as following
 Notarization request form
 Power of Attorney, signature form of leader
 Letter of Credit issued by the Bank to credit officers
 Mortgage (5 copies), Credit Contract (4 copies), Appraisal minutes (3 copies),
Confirmation letter
 Original house file and 01 photocopy (customer bring)
 Household registration book, ID card, Marriage certificate (or Single Certificate) of
the mortgagor, Guarantee, Preparation of secured transaction registration dossiers:
 Letter of Credit issued by the Bank to credit officers
 Sample receipt (02 copies)
 Secured transaction registration form (02 copies)
 Mortgage and guarantee contract (01 copy), Original house file and 01 photocopy
 Certificate of housing status (if required)
2.3. Keep a record
The studnt includes the following documents for the customers:
 Appraisal minutes (01 copy)
 Mortgage / guarantee contract (01 copy)
 Application for mortgage / guarantee registration
 Original house papers

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Then, the student submits to the head of the examination department and seal up at the
Finance Section and the head of the Treasury Department will sign the record.
2.4. Customized customer management to collect debt and interest
Periodically, the student monitors the financial situation, the use of capital borrowing
from customers. Normally, when close to the closing date, credit officers must inform and
remind the customers to pay interests together with the amount payable by customers.
2.5. Completing the contract from the customers
The student informs the credit accountant that the customer has cleared the account
Contracts to collect the remaining debt and interest of customers. after that, the students
receives records from the Treasury Department, return the records to the customers, as
well as making a release to the notary office. In case customers do not pay interest, the
credit officers must actively collect debts. If it is not possible to ask for it, ask the Head of
Department and the Board of Directors to send the case to the Court for the sale of the
property.
2.6. The activities of credit department
2.6.1. Roles of credit department
The Credit Department is a division of the VP Bank, which has the function of
organizing, managing and implementing investment loans from VP Bank and other
mobilized funds. Credit department will perform lending operations in accordance with
the bank's regulations and procedures as follows:
- Drafting credit contracts, co-financing contracts, loan security contracts, notarization
and registration of secured transactions for loan security assets.
- Manage the disbursement of contracts, follow up, the director of debt recovery, full
interest payment on time.
- Perform periodical inspection before and after disbursement in order to manage the
disbursement for the right purpose and the right beneficiaries;
- Monitoring and evaluating the effectiveness of investment projects and financial
situation of customers to ensure the timely recovery of capital and interest.
In parallel with the mobilization of capital and lending, the Department also developed
more services such as international payment, domestic payment, overseas remittance,

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trust investment, guarantee, foreign exchange ... Therefore, the growth rate of service
activities of the branch in recent years has increased dramatically.
2.6.2 Evaluate the performance of credit department
In 2015, VPBank has mobilized over VND 300 billion. It can be seen that this figure is
smaller than the total outstanding loan because VPBank is transferred from the head
office and bear the interest rate of capital transfer. In 2016, before the financial and
banking market faced many difficulties, the capital became scarce, so the competition in
mobilizing capital among banks became more and more fierce through the race of
mobilizing capital Capital between commercial banks. With flexible interest rate
adjustments and promotions, VPBank's total mobilized capital is VND 695.3 billion by
the end of 2016. VPBank's main source of funding is from economic organizations and
residents, with VND accounting for around 85%. By the beginning of 2017, the total
mobilized capital of the branch has increased to VND903.475 billion. It is the result of the
advanced and applied technology, constantly developing products, utilities, quality
trading civilian of the branch. Moreover, in the past few years, the branch has actively
applied flexible and flexible solutions on interest rate policy, customer policy, diversified
forms of capital mobilization with other terms Each other, offering attractive promotional
products. (Cuong, 2018)
Figure 3: Total mobilized capital – Source: Vpbank

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Targets 2015 2016 2017
Billion
VND
Proportion Billion
VND
Proportion Billion
VND
Proportion
Total mobilized
capital
303.8 100 695.3 100 903.5 100
1. By maturity - - - - - -
1.1. Short-
term
30.4 10 83.4 11.99 120.5 13.34
1.2. Medium
and long term
273.4 90 611.9 88.01 783 86.66
2. By
currency
- - - - - -
2.1. VND 255.5 84.1 584.8 84.11 713.9 79.01
2.2. Currency 48.3 15.9 110.5 15.89 189.6 20.99
Figure 4: Report on the business results of the branch from 2015 - 2017 – Source:
Vpbank
According to the above table, most of the funds mobilized by the branch are from medium
and long term sources and mobilized mainly from VND. Specifically: In 2015, the rate of
raising funds from medium and long-term sources is 90%, equivalent to 273.4 billion. In
2016, the rate was 88.01%, equivalent to 611.9 billion VND. By the third quarter of 2017,
the rate was 86.66%, equivalent to 783 billion dong. The ratio of capital mobilization
from the branch in 2015 accounted for 84.1%, equivalent to 255.5 billion. In 2016, the
ratio was 84.11%, equivalent to 584.8 billion VND. By 2017, the rate was 79.01%,
equivalent to 713.9 billion VND. The amount of deposits in VND and in foreign
currencies tends to increase rapidly over the years. In the period 2015 - 2017, together
with the mobilization of capital, the branch and the implementation of structural changes
to suit the conditions of the economy. Along with the continuous fluctuations in interest
rates, many of the branches have strictly followed the direction of capital mobilization of
the head office in preparation for coping with unpredictable changes in VND and foreign

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currencies. As in 2015,2016, the branch has strongly raised capital in VND. (Cuong,
2018)
2.6.3 Some problems of credit department
Bad debt is inevitable in the operation of the banking system. The existence of bad debt is
just as dangerous as it jumps up to the highs, the current financial situation of the
economy's subjects can push bad debts to dangerous levels in the future. With Vietnam,
the bad debt situation is not alarming, but it needs to deal drastically so that no serious
consequences.
Currently, bad debt ratio is up to 8.6% and is likely to increase to 10%. Particularly, the
rate of bad debt growth is very fast from 2015 to now and may not stop: in 2015 increase
74%, 2016 increase about 27%, 2017 increase 41%. This shows that bad debt continues to
be a dilemma for 2018 and will last until 2020. "Bad debt" is no longer the term of the
banking sector, but now farmers " muddy hands "know and care about this issue.
There are many reasons for bad debt. Firstly, the competition to attract customers forced
the banks to loosen the credit conditions: loan ratio / SCT, mortgage, commodity pledge
did not strictly supervise the loan; loan ratio / capital needs. (Vietnam Banks Sector,
2017)
Secondly, except for a small number of customers, there are bad debts arising from
objective causes such as business losses, bad debts, difficulties due to changes in
mechanisms and changes in the State's growth policy. Most of the bad debt comes from
superficial crediting of creditors. By not determining the true size of the customer's
business, the competitiveness of the customer in the industry in which the customer is
doing business, it is impossible to determine the customer's income from where and where
to be able to. Provide a reasonable level of loan and supervision. Bankers are sometimes
superficial in the capital use test, leading to no timely detection of customer difficulties
right from the start. Many customers, when checked on the use of capital after the loan,
said that part of the loan is actually in business, others are used for home repairs,
purchases of goods, even personal consumption. ... When the capital investment business
losses, no other source to repay the bank, so bad debt. On the other hand, customer

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behavior is an important factor associated with the willingness to repay customer loans
that are often forgotten in the initial appraisal process.
3. An assessment of the internship
The student knows about bank lending activities. The student is encouraged to actively
engage in these forms of lending in the credit bureau. Moreover, the student is trained to
approach customers like marketing by sending letters of recommendation to customers
directly or by phone for full and detailed advice on credit products. which customers are
interested in. In addition, the student is directed to the home customers who need to
borrow money in part because of busy, in part because of other factors, can not directly
deal with the bank. Bankers who are in direct contact with customers are more efficient,
better satisfied with the needs of customers, the number of loans will also increase while
the credit risk will also decrease. Since then, students have learned how to sell used
services, approach and care for customers. there are some specifice skills that the student
learnt as below
3.1 New skills acquired and skills improved
Communication skill
I learnt to communicate, express and convey my thoughts as well as information
percisely. I also learnt how to interact effectively with colleagues, and the managers, too.
Problem solving skill
In my internship, I did learn and accumulate experience on problem-solving skill.
For example, when I experienced an electrical loss, I had to make an idea to handle the
situation. Hence, I made a suggestion that we had better be gathered in the main hall and
played a game together. This boosted the teams’ atmosphere and helped understand more
about us.
3. 2 Management techniques observed.
Throughout the internship period, I learnt the time management techniques from
my director. There were 2 main techniques to keep management successful:
Making To-do-list

19. 19
Making a list concluding all the tasks that needed finishing helped me to increase
productivity in work performances and keep myself motivated. Besides, this gave me a
hand in remembering all the daily tasks.
Prioritizing works
This type of technique helped me to notice which work should be done first and
ones should be done afterwards. It helped me to order tasks with different priorities.
3. 3 Technical skills employed
Teamwork
First of all, I can say that teamwork is a huge part of the university life. As you
may kown, I have to get along with a variety of people while I was performing the
internship. I needed to take others’ opinions into account and make sure that the student
considered them when making a decision. Effective teamwork and collaboration not only
helped me with efficiently completing missions but also broaden my horizons to ideas or
solutions that I had never known.
Presentation
Presentation skill is one of the most crucial skills that I obtained a thorough in-depth
instruction and practice while I was studying at unniversity. This skill turned out to be
very helpful during my internship at Nam A Bank – Dong Xoai Branch as I could be
confident to stand in front of many people to present my ideas successfully. I personally
think that it was a result from practicing presentation hundreds of time and accumulating
valuable techniques at my university
3.4. Responsibilities undertaken during the internship period
3.4.1. Marketing and Search potential customers
This is considered one of the important tasks to increase the sales. For customers who
have a need or do not know the services, the loan officer will advise on the loan or use.
Services such as savings deposits, payment deposits and other banking facilities.
3.4.2. Contact and advise customers
Based on the requirements and ability to meet the bank's services, credit officers will
guide and advise clients to complete necessary procedures required by the bank. Fast and

20. 20
detailed preparation, the higher the level of customer satisfaction and increased trust,
professionalism in the work process.
3.4.3. Evaluating customers
For customers with a loan need, the credit officer will assess the customer based on
criteria such as prestige, business capacity, scale of operation, financial ability, business
situation The ability to pay principal and interest, loan security assets.
3.4.4. Assist the customer to carry out necessary procedures
When working with clients, credit officers conduct credit contracts, mortgage contracts
and relevant documents as required by the bank and monitor and document disbursements
in accordance with customer requirements and bank disbursement regulations.
3.4.5. Monitoring the use of loan
In cases where the loan of a credit officer is responsible for checking the use of loan
capital in accordance with the regulations of the bank and monitoring the repayment of
principal and interest of customers under the contract between the bank and the borrower
capital.
3.5. Impact of internship on future career
At the university in general, student internship usually takes place at the end of year 3 or
year 4. This is where students choose and find a place to practice, get familiar with the
real work environment. After a long period of study in the lecture hall. If you take
advantage of the internship period, there will be opportunities for further development.
Through the activities of communication, behavior, presentation or group work, while
practicing the workplace, students will gradually cultivate and train themselves, improve
their soft skills. There is no denying the results of learning, soft skills will be equally
important factors that help students have the opportunity to work, develop later.
From the first year to the end of the third year of university, the majority of the time spent
studying in the lecture hall is the time students receive, study the specialized field.
Internship is a discipline (with certain credits) in the curriculum that students must
complete as a subject.
Practice time is the opportunity for students to directly apply the knowledge in the school
to the working environment. An office environment will be very different when sitting in

21. 21
the lecture hall to acquire knowledge. While in the position of trainee, the student will
have to complete the assigned work in accordance with the competency and completion
requirements as an employee.
Practice time at the office is also when students are introduced to the new environment,
new people and new jobs. Relationships are expanded, when self-efficacy is expressed
through good work and dedication will be rewarded.
Few students are retained at the company, becoming full-time employees after the end of
the internship. And when there is time for internships, students, and now the official staff,
will develop more favorable, more promotion opportunities. It can be said that the short-
term practical training of the university is only a few months, but it is important for both
students to improve their skills and abilities but also to open up their employment
opportunities after graduation.
4. Conclusion
The purpose of the internship is to help students to enter the real world. In addition,
internships help students improve their roles and responsibilities in the industry they are
pursuing, as well as gain access to and familiarize themselves with the jobs they are
currently involved in. Since then, students have improved their professional skills and soft
skills. It gives students real-world experience
This placement gives students access to the careers they have chosen when they enter
university. Practical activities once again help students understand how they will work
after graduation and make timely adjustments, along with a more appropriate training
strategy. The application of knowledge learned in the school to the reality of work helps
students recognize their strengths and weaknesses and need to equip more knowledge and
skills to meet the needs of work. In fact, the curriculum provides a theoretical and useful
theoretical framework for the discipline and necessarily needs to be applied in real life to
specific audiences and occupational environments. As a result, the internships are
becoming increasingly important to the students. These early experiences help students
become more confident after graduation and find a job, which will help them not be so
illogical as to make them disappointed in the reality when they actually enter the labor
market. During the internship, students can establish relationships in their careers, which

22. 22
is very useful for students when they graduate. With good practice, students also have the
opportunity to earn a job right during the internship.

23. 23
REFERENCES
(2017). Vietnam Banks Sector. Ho CHi Minh: Asia Pacific/Vietnam.
Vietnam Investment Review. (2018). 2018 tarihinde http://www.vir.com.vn:
http://www.vir.com.vn/foreign-investors-register-12-billion-for-piece-in-vpbank-
51463.html adresinden alındı
Vietnam News. (2018). 2018 tarihinde http://bizhub.vn: http://bizhub.vn/banking/vpbank-
to-pay-6182-stock-dividend_295559.html adresinden alındı
(2018). VP Bank. Ho Chi Minh: Vietnam Prosperity.
VP Bank. (2018). 2018 tarihinde https://www.vpban.com.vn:
https://www.vpbank.com.vn/ adresinden alındı
Cuong, T. T. (2018). CAPITAL MOBILIZATION OF VIETNAM BANK FOR
AGRICULTURE AND RURAL DEVELOPMENT. Ha Noi: HO CHI MINH
NATIONAL ACADEMY OF POLITICS.

24. 24
VIETNAM NATIONAL UNIVERSITY – HCMC
INTERNATIONAL UNIVERSITY
SCHOOL OF BUSINESS
Student Internship Evaluation
Bảng Đánh giá Sinh viên Thực tập
Company (Công ty): Division/Department (Phòng
ban):
Company Address (Địa chỉ Công ty):
Supervisor Name (Người Giám sát): Title (Chức vụ):
Supervisor Email (Địa chỉ email): Tel (Điện thoại):
Intern Name (Sinh viên Thực tập): Intern Period (Thời gian thực
tập):
Ranking: Excellent = 5, Good = 4, Fair = 3, Poor = 2, NO = Not
Observe = 1.
Xếp loại: Xuất sắc = 5, Tốt = 4, Trung bình = 3, Kém = 2,
Không thực tập = 1.
No. 1 2 3 4 5
I Attitude and Manner of working
(Thái độ và tác phong làm việc)
1 Willingness to learn
(Sẵn sàng học hỏi)
2 Responsibility.
(Có tinh thần trách nhiệm)
3 Showed ethical behavior
(Cư xử đúng mực)
4 Punctual
(Đảm bảo giờ giấc làm việc theo quy định)
5 Dressed appropriately
(Trang phục phù hợp)
II Knowledge & Skills (Kiến thức và Kỹ năng)
6 Knowledge adapt to job’s requirement
(Kiến thức đáp ứng yêu cầu công việc)
7 Team working skills
(Kỹ năng làm việc nhóm)
8 Planning and organizational skills
(Kỹ năng tổ chức và hoạch định)
9 Critical thinking skills
(Tư duy phân tích)
10 Problem solving skills
(Kỹ năng giải quyết vấn đề)
11 Computer skills
(Kỹ năng tin học)
12 Oral communication skills
Date …………...

25. 25
No. 1 2 3 4 5
(Kỹ năng giao tiếp)
13 Written communication skills
(Kỹ năng giao tiếp bằng văn bản)
14 Conflict management skills
(kỹ năng giải quyết xung đột/mâu thuẫn)
15 Time management skills
(Kỹ năng quản lý thời gian)
16 Listening skills
(Kỹ năng nghe hiểu)
17 Presentation and public speaking
(Kỹ năng thuyết trình và nói trước đám đông)
18 Leadership skills
(Kỹ năng lãnh đạo)
III Professional Abilities (Năng lực Làm việc)
19 Effectively performed assignments
(Hoàn thành tốt nhiệm vụ được giao)
20 Ability to gather and analyze information for
creative problem-solving
(Có thể thu thập và phân tích thông tin để đề
xuất giải pháp sáng tạo)
21 Applied learned knowledge/skills to work
(áp dụng kiến thức đã học vào công việc)
22 Ability to evaluate oneself, modify behavior
and meet performance obligations
(Có thể tự đánh giá, điểu chỉnh hành vi làm
việc để hoàn thành nhiệm vụ)
23 Ability to influence and support others to
perform complex tasks
(Có thể tác động và hỗ trợ người khác hoàn
thành công việc phức tạp)
24 Ability to sustain a positive impression and
confidence
(Có thể tạo ấn tượng tích cực và duy trì sự tự
tin)
IV. Overall satisfaction of intern’s performance
(Mức độ hài lòng chung về sự thể hiện công việc của sinh viên thực tập)
Rất không hài lòng Không hài lòng Trung lập 4. Hài lòng 5. Rất hài
lòng
V. Overall perception of BA school of IU
(Cảm nhận chung của doanh nghiệp về khoa quản trị kinh doanh Trường ĐH Quốc Tế -
TP.HCM)
Rất yếu kém Yếu kém Trung lập Tốt Rất tốt
25. List of Intern’s major duties:
(Trách nhiệm và công việc cụ thể của SV thực tập)
........................................................................................................................................................................

26. 26
........................................................................................................................................................................
........................................................................................................................................................................
........................................................................................................................................................................
........................................................................................................................................................................
26. Intern’s strengths and areas of performance to develop:
(Điểm mạnh và lĩnh vực SV cần bồi dưỡng thêm)
........................................................................................................................................................................
........................................................................................................................................................................
........................................................................................................................................................................
........................................................................................................................................................................
........................................................................................................................................................................
27. Comments or suggestions for the School of Business’ internship program:
(Nhận xét hoặc đề nghị về chương trình thực tập của khoa QTKD)
........................................................................................................................................................................
........................................................................................................................................................................
........................................................................................................................................................................
........................................................................................................................................................................
28. Would you recommend this student for further internship work or consider hiring him/her
for a
vacant position in your company?
(Anh/Chị/Quý công ty có đề nghị SV này cho lần thực tập sau hoặc xem xét để tuyển dụng SV này
vào làm việc tại công ty không?)
.......................................................................................................................................................................
........................................................................................................................................................................
........................................................................................................................................................................
Supervisor Signature (Chữ ký Người Giám sát): Evaluation Date (Ngày đánh giá):
The intern Signature (Chữ ký Sinh viên Thực tập):
Students return this form to:
(Vui lòng chuyển bảng đánh giá này về)