... Red River Delta area, northern Vietnam Includes 10 provinces and cities such as Vinh Phuc, Ha Noi, Bac Ninh, Ha Nam, Hung Yen, Hai Duong, Hai Phong, Thai Binh, Nam Dinh, Ninh Binh Sampling strategies ... on the theory of service quality, namely that model is of Parasuraman SERVQUAL adjusted for the characteristics of VietinBank in the region Red River Delta, Vietnam 1.5 The structure of the thesis: ... However, according to some researchers in the banking sector in Vietnam, is the measure of credit quality of bank services in Vietnam, will continue to use the available variables in the research...