... now seeing a decline in number but an increase in scale for each member Joint- Venture Bank, foreign bank branches: Joint- Venture Banks and 27 foreign bank branches are in operation in Vietnam ... However, VPBank is opposing increasing competition of Joint Stock competitors in order to exist and development Moreover, I have been working in VPBank, one of the first Joint Stock banks in Vietnam, ... branches that can join Inter -bank independently or dependently owing to its policy and management capacity or they can choose not to join Inter -bank market Joint- Stock Commercial Bank system consists...