Successfully reported this slideshow.
We use your LinkedIn profile and activity data to personalize ads and to show you more relevant ads. You can change your ad preferences anytime.

Ngân hàng/Thanh toán ở Việt Nam 12/2011

387 views

Published on

  • Be the first to comment

  • Be the first to like this

Ngân hàng/Thanh toán ở Việt Nam 12/2011

  1. 1. Marketing Research Association, USAThe first agency in Vietnam certified 20252 by British Standards Institute
  2. 2. Market research top-line Dec 2011 HCM HA NOI DA NANG HIGHLIGHTS: BANKING/BANK-CARD AND INSURANCE
  3. 3. About: Viettrack is the news of FTA Research & Consultant, It is conducted base on a monthly research. It aims at delivering comment, evaluation and true feeling of research objects about present time’s economic situation as well as promotion campaigns or products to producers and marketers. It is expected to help them understand to offer better service to unsatisfied demand of consumers. Viettrack is done according to ISO 20252:2006, the international quality standard in market research and ESOMAR code of conduct. Viettrack - December 2011: Sampling size : N=300; HCM = HN = DN = 100 Sex: Male/Female Economic class: ABCDEF Age: 24 - 45
  4. 4. BANKING SERVICE
  5. 5. BANK AWARENESS Top 5 banks which are aware the most are Vietcombank, Agribank, DongABank, Techcombank and Sacombank. Vietcombank has the highest TOM awareness, especially in HN with TOM 38%; next are Agribank & DongABank, dominant in DN with TOM 26% & 25%, respectively. Total HCM HN DN TOM Unadded awareness Added awareness % 26 24 38 17 62 75 Vietcombank 56 55 98 96 98 99 15 7 13 26 59 Agribank 54 53 50 93 93 88 99 14 16 25 46 DongABank 34 32 25 85 88 73 93 7 19 Techcombank 11 52 56 7 54 45 95 93 97 95 9 6 16 4 VietinBank 20 72 15 73 29 16 73 71 14 8 ACB 8 26 30 27 22 81 87 77 79 7 72 3 Sacombank 4 59 83 92 98 21 80 99 N=300 N=100 N=100 N=100
  6. 6. BANKS – CURRENTLY USE Hanoi market is dominant by a few big players, such as Vietcombank, Techcombank, VietinBank while HCMC and Danang market is fragmented by many bank players DongABank and Agribank are performing quite well in Danang market. Total HCM HN DN % Vietcombank 28 19 44 20 DongABank 19 23 3 32 Agribank 18 11 15 27 Techcombank 14 8 21 13 VietinBank 12 10 21 5 ACB 9 16 3 9 Sacombank 8 12 2 9 N=300 N=100 N=100 N=100
  7. 7. BANK - SERVICE AWARENESS In general, customers know most of bank services, however they only used few bank services. Saving account and deposit/transfer service are the major services to be aware and used the most across three cities. Seems that Hanoi customers are using the Saving account service more than those from the other two cities. In HCM, people tend to pay Electricity/water bill via bank Total HCM HN DN Prompted awareness Current use % Saving account 99 99 99 100 70 61 82 66 Deposit money to 97 99 94 98 account/transfer 86 96 81 80 Loans for house 67 62 51 88 2 2 Automobile loans 64 62 53 77 - Consumption loans 48 65 39 40 3 9 Loans for study 44 50 35 47 abroad - 0 0 Consultant Finance 42 47 45 33 2Electricity/water/Telep 40 64 30 27 hone bill Payment 9 23 3 N=300 N=100 N=100 N=100
  8. 8. BANK - TYPE OF TRANSACTION In general, customer know all types of transaction. The most popular and preferred form of transaction is direct transaction at the counter. At the SMS Mobile Internet Home counter Banking banking Banking Banking % Awareness 100 76 48 52 27 Trial 100 61 26 30 9 Current use 100 52 23 29 9Most preferred 82 10 1 5 1 Based on total N=300
  9. 9. INFLUENCE FACTORS WHEN CHOOSING A BANK Prestige of the bank is a key factor affecting on decision of consumer in three cities when they are choosing a bank for the transaction. Next is working attitude of bank staff, customers in HCM and HN pay more attention than customers in DN. Paperwork/transaction is also impact on customers when choosing a bank, especially in HN & DN Total HCM HN DN % Prestige of bank 82 85 77 85 Work attitude of Bank staff 63 69 70 50 Paperwork/transaction 58 45 64 64 Interest rate 31 27 27 40 Location of the bank 22 33 23 9 Interest rate stable 18 13 21 20 Origin of Bank 17 19 10 22 Customer care 9 9 8 10 N=300 N=100 N=100 N=100
  10. 10. REASONS FOR DISSATISFIED WITH THE BANK In general, customers in all three cities are satisfied when dealing with current banks. Around 32% of customers dissatisfied with the bank they currently use. But HCM customers less satisfied with the paperwork / transaction time and work attitude of bank staff than customers in HN and DN, they are less concerned about interest rates than others Total HCM HN DN 67% 33% 68% 32% 68% 32% 66% 34% % Paperwork/transaction time 46 69 44 27 Interest rate unstable 36 38 50 21 Customer care is not good 35 31 22 50 Work attitude of bank staff 33 63 16 21 Interest rate 31 13 31 47 Don’t sure about pretise of 16 6 9 6 the bank N=98 N=32 N=32 N=34
  11. 11. BANK TYPE PREFERRED TO DEAL WITH THE MOST In all three cities, customers interested in dealing with State Bank the most, especially in DN. Customers in HN seem less fussy in choosing the bank type than in two other cities. Private banks seem more dominant in DN, and Joint-stock banks is more dominant in HN than others State Bank Private Bank Joint stock Bank Joint venture Foreign Bank Total 44% 24% 17% 8% 7% HCM 46% 24% 15% 6% 9% Hanoi 28% 18% 26% 16% 12% Danang 58% 30% 9% Based on HCM = HN = DN = 100
  12. 12. BANK - CARD
  13. 13. BANK - CARDS Cash card (ATM) is the most popular card type in the market across the cities. Penetration of credit card and debit card is still low in the market. % Total HCM HN DN Cash card (ATM) 97 100 96 95 Debit card 5 4 4 8 Credit card 3 6 3 1 N=300 N=100 N=100 N=100
  14. 14. BANK - DEBIT CARD BRAND CURRENT USED In overall, Visa Card is using the most, followed by MasterCard, particularly in HCM and DN But in HN, Epartner card of VietinBank is using the most Total HCM HN DN % Visa 63 75 88 Mastercard 19 25 25 F@staccess 13 25 25 Epartner card 13 50 Connect 24 6 13 The Da Nang 6 25 Success 6 25 N=16 N=4 N=4 N=8 * Sample is too small
  15. 15. BANK - PURPOSE OF USING CARD Most people using the card for withdrawing cash from ATM machine, next is for transfer their money. Withdraw cash at ATM machines Electricity,water, telephone bill Eating,drinking & shopping Transfering Spending when going abroad 100 13 Total 8 56 2 100 30 HCM 16 39 5 100 3 Hanoi 5 62 1 100 7 Danang 3 66 1 Based on Total N=300 (HCM = HN = DN = 100)
  16. 16. BANK - WHERE TO USE CARD (Domestic) In overall, the card is used at ATM machines is essential. In HCM, there are many customers using the card to pay at supermarkets and shopping centers than the two other cities. Total HCM HN DN %Withdraw cash in ATM machine 100 100 100 100 Supermarket/ Metro 21 31 17 14 Shopping center 19 30 13 15 Cafe/ Restaurant 5 5 8 Hotel 4 3 7 N=300 N=100 N=100 N=100
  17. 17. INSURANCE SERVICES
  18. 18. INSURANCE COMPANY - AWARENESS Bao Viet Insurance Company has highest awareness in all three areas, next is Prudential Total HCM HN DN % TOM Unadded awareness Added awarenesss 20 24 19 58 15 Prudential 59 51 63 93 95 94 90 5 4 3 46 AIA 43 34 8 52 77 65 92 79 55 45 56 69 40 Bao Viet 38 43 28 98 95 98 100 8 7 37 3 11 43 Bao Minh 38 32 85 87 71 93 3 7 2 AAA 27 68 22 22 35 67 52 80 1 1 1Chinfon Manulife 20 25 17 47 49 55 18 39 N=265 N=100 N=65 N=100
  19. 19. INSURANCE COMPANY – CURRENT USE In three cities, Bao Viet is more dominant than others in using level, next is Bao Minh (especially in DN with 25%), and Petrolimex-Pjico (especially in HCM with 24%). Prudential, AAA and Vietnam Social insurance company seem is dominant in DN than other cities Total HCM HN DN % Bao Viet 65 54 62 78 Bao Minh 19 15 14 25 PETROLIMEX - 15 24 12 8 PJICO Prudential 13 8 14 16 AAA 10 5 2 21 Social Insurance 7 2 17 Company Vietnam Vien Dong Insurance 4 1 10 (VASS) AIA 3 2 8 2 N=265 N=100 N=65 N=100
  20. 20. INSURANCE TYPE Medical insurance and motorcycle insurance are two types of insurance are aware and used more than other types of insurance, particularly in DN area. Life insurance also has good awareness, but low use level, this type of insurance is dominant in DN than in the two other cities. Customers in DN seem to aware and use insurance more than in HCM and HN. Total HCM HN DN Awareness Current use % Medical insurance 97 98 92 100 85 82 68 99 Motorbike insurance 95 99 85 98 74 78 55 83 Health insurance 65 65 57 71 18 11 37 23 Life insurance 81 75 86 83 20 9 35 Employers accident 69 60 60 83 liability insurance 19 8 5 41 Individuals accident 62 53 43 83 liability insurance 16 3 10 30 Unemployed 38 50 17 40 insurance 20 1 N=265 N=100 N=65 N=100
  21. 21. INFORMATION SOURCE TO AWARE INSURANCE TYPE Most people aware of insurance type through introduction from friends / colleagues, next is Direct contact from insurance company’s staff. Consumer in DN seem to pay attention to insurance company through magazine and internet than customers in HCM and HN Especially just few people try to find the information by themselves. Total HCM HN DN % Colleague/friend 90 81 91 98 Direct contact fromInsurance companys 54 46 65 56 staffNewspaper/Magazine 34 18 28 54 Internet 27 22 26 33 Learn about 6 2information by myself N=265 N=100 N=65 N=100
  22. 22. NUMBER OF PEOPLE HAVE INSURANCE IN HOUSEHOLD Total HCM HN DN %More than 3 people 49 31 34 76 3 people 22 29 25 12 2 people 21 33 22 8 1 people 9 7 20 4 N=265 N=100 N=65 N=100
  23. 23. Thank you
  24. 24. Marketing Research Association, USAThe first agency in Vietnam certified 20252 by British Standards Institute

×