In fact, The Retail banking at MB has contributed more and more profit to total its profit and removed structure following the trend from reducing from ratio of corporate banking to increasing more ratio of retail banking in order to reduce high risk from customers of corporate banking. The Retail banking has achieved some significant success in area of customers, credit growth, capital mobilization…However; retail banking occupies small percentage compared to corporate banking. The retail banking is poor, no attachment to customers and no diversification to various segments.

On the other hand, Retail banking at MB also faces many difficulties and they block MB access deeply retail market, especially competitive challenges. Almost domestic and foreign banks in Vietnam has jointed in retail market. The competition will be fiercer after 2010 when Vietnam allow officially foreign bank to establish in Vietnam.

To resolve mentioned problems, MB must push strategies to expand retail banking and compete with other banks in Vietnam. What are the appropriate strategies, which MB can apply? It is also research purpose of this thesis. The study will research and offer some lesson and strategies for MB based on analyzing current situation and its competence.

Structure of study

Chapter 1: Introduction

Chapter 2: Retail banking operations of commercial banks

Chapter 3: Current situation of Retail Banking at Military Bank

Chapter 4: Proposed solutions to further develop Retail Banking at Military Bank.