ADVANCING CREDIT RISK MANAGEMENT THROUGH INTERNAL RATING SYSTEMS
At Bank for Investment and Development of Viet Nam JSC
(Transaction office no.8 )

Table of Contents
Foreword

Part I : Overview of Bank Credit risk management and The theoretical basis of Internal rating systems

1. The activities of commercial banks
1.1. The concept of a commercial bank.
1.2. Operation and Performance of Commercial Banks
2. Managing Operational risk in banking
3. Definition of an Internal Rating System
4. Rating models
4.1. Outlines of Rating Models
4.2. Validation of Rating Models
4.3. Adjusting Rating Models
5. Uses of Internal Rating Systems
6. Benefits of Using an Internal Rating System

Part II : Current situation of Credit activities and Internal rating systems at BIDV ( Transaction office no.8 ) 1. General introduction of Bank for Investment and Development of Viet Nam JSC ( BIDV )
2. Current business status of BIDV
2.1. Socio-economic situation in the period of 2008-2012
2.2. Situation of BIDV business operations in the period of 2008-2012
3. Situation of BIDV Credit quality in the period of 2008 – 2012
3.1. Current situation of BIDV Credit quality
3.2. Achivement of BIDV Credit activities
3.3. SWOT analysis on Credit activities of BIDV branches
4. Current situation of Internal rating systems at BIDV
4.1. Current situation of Credit Risk Management at BIDV
4.2. Current situation of Customer rating systems at BIDV (Transaction office no. 8)
4.3. Comment on client classification systems of BIDV (Transaction office no. 8)
4.3.1. Achieved results
4.3.2. Remaining disadvantages of Customer rating systems at BIDV
4.3.3. Remaining causes of the Internal rating systems at BIDV

Part III : Advancing Credit risk management through Internal rating systems at Bank for Investment and Development of Viet Nam JSC 1. BIDV Orientation for development for the period 2012 – 2015
1.1. The basic indicator of BIDV untill 2015
1.2. Credit’s specific target for the period 2012-2015
1.3. Orientation for Risk management activities
2. Recommendations for advancing Credit risk management through Internal rating systems at BIDV
2.1. Improve the quality and diversify the information sources using in Rating systems
2.2. Complete the Rating models
2.3. Complete the system of Rating norms
2.4. Complete the Rating process
2.5. Improve staff working abilities on Internal rating systems

Conclusion
&
References