... competitiveness of financial firms, insurance companies, the retail group. Especially at this time, Vietnam is a destination of corporate banking, retail giant corporations.• Element of law: The State ... orientation of the branch: expanding, strengthening and improving the operational efficiency of the office agency. To attract more customers, the branch concentrates to the expansion of lending ... respectively. This demonstrates the delinquency rate of consumer loans is much higher than the rate of overdue debts of the whole bank. In spite of such a high delinquency rate, it is basically controllable....