This document summarizes a presentation on solutions for credit growth at the Ky Hoa Transaction Office of Sacombank. It identifies problems with employee motivation, satisfaction, and commitment. Specifically, over 50% of employees felt they had limited promotion opportunities, over 58% said they received unsuitable training, and over 41% were dissatisfied with their supervisors. Potential causes were analyzed using a fishbone diagram. Alternative solutions proposed improving workplace harmony, manager support, career development training, a new reward system and performance indexes. The conclusion recommended exploring the causes of problems thoroughly and implementing proper recommendations to enhance the situation and satisfy personnel desires through advantageous relationships and a flexible strategy.

1. MASTER OF BUSINESS ADMINISTRATION
“Solutions for credit growth in Ky Hoa
Transaction Office of Sacombank”
FACILITATOR: Dr. Le Nhat Hanh
STUDENT : Ta Thi Diep Tan

2. Problem Identification
• Company background
Established in 1991
Top ten big commercial banks
448 Transaction Offices
13,000 employees
Ky Hoa transaction office as key contributor
The importance of Credit officer in profit and development

3. Problem Identification
• Problem symptom
Ms. Hoang - Credit Department Manager is worried about the existing employee's problem
such as lack of motivation, dissatisfaction and less commitment in working, not much
passion.
16.67% of staffs thought their salaries are not satisfied
50% of Ky Hoa’s employees believed they have less opportunity in job promotion
58.33% staffs responded that they were receiving unsuitable training and education
development.
41.67% of staffs felt dissatisfied with their supervisors
Ms Uyen – Ky Hoa Manager agreed with bad Employee Development and Job Satisfaction

4. Problem Identification
• Problem symptoms
Access problems by
fishbone diagram

5. Problem Justification
List the potential
causes of the problem

6. Alternative Solutions
MOTIVATION
+ Improving
workplace
harmony
+ Better support
from manager
TRAINING
+ Provide career
development
+Provide training
and development
plan
REWARD SYSTEM
+ More reward
programs
+ New key
performance
Index.

7. Conclusion
– Explore the reasonable causes of the problem.
– Deliver proper recommendations to improve the situation.
– Whealtley (2006), it impressed that the system of organizing involves growing
relationships to keep employees follow their right directions to make company
better.
– Encompass personnel desire
– Work the place there are advantageous relationships all through the organizations.
– A flexible and wise strategies.

8. THANK YOU FOR YOUR
LISTENNING!