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The bank products and services is still limited 
banking products despite increasingly improved, but compared to the region and the world, the bank's products and services is still poor, monotonous, quality of service Low 
The link between banks loose, sometimes because of competition, for the benefit locally to affect the overall development of the banking system 
which is small Potential 
Most of Vietnam's commercial banks have capital Own low if compared to the equity capital of the bank in the region
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