+ The number of products of the service is not much compared to the market, does not have Internet service product group, in itself each group of products and services many utilities not yet.<br>+ The quality of products and services is not really good, unstable and consistent.<br>+ Market share of SCB customers in industrial zones is quite limited compared to other banks.<br>+ Information Technology despite deployment but still slow compared to other banks.<br>In addition to the difficulties on SCB branch Nguyen son also encountered:<br>Natural disasters, the epidemic that makes customers not capable of repayment, the bank can not recall increases the hard debt, reducing bank profits.<br>The price increase of necessities items, construction items, petroleum,... Make residential life difficult so the income of people is limited so the ability to accumulate poorly, the process of raising capital is also affected.<br>In order to increase the number of customers, banks regularly make incentives, customers tend to run under the banks that bring many benefits for themselves. The customer loyalty level decreases, the market share is narrowed.<br>Requires increasingly high banking services, the innovation and development of banking technology, improving professional expertise for employees also bring a lot of difficulties, can not be solved immediately.<br>The difficulties on the enormous influence to attract customers of the bank. Therefore, the bank needs to have a uniform solution on all sides to solve, increase the quality of service, increase bank reputation.
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