Editorial & Advertiser Disclosure Global Banking And Finance Review is an independent publisher which offers News, information, Analysis, Opinion, Press Releases, Reviews, Research reports covering various economies, industries, products, services and companies. The content available on globalbankingandfinance.com is sourced by a mixture of different methods which is not limited to content produced and supplied by various staff writers, journalists, freelancers, individuals, organizations, companies, PR agencies Sponsored Posts etc. The information available on this website is purely for educational and informational purposes only. We cannot guarantee the accuracy or applicability of any of the information provided at globalbankingandfinance.com with respect to your individual or personal circumstances. Please seek professional advice from a qualified professional before making any financial decisions. Globalbankingandfinance.com also links to various third party websites and we cannot guarantee the accuracy or applicability of the information provided by third party websites. Links from various articles on our site to third party websites are a mixture of non-sponsored links and sponsored links. Only a very small fraction of the links which point to external websites are affiliate links. Some of the links which you may click on our website may link to various products and services from our partners who may compensate us if you buy a service or product or fill a form or install an app. This will not incur additional cost to you. A very few articles on our website are sponsored posts or paid advertorials. These are marked as sponsored posts at the bottom of each post. For avoidance of any doubts and to make it easier for you to differentiate sponsored or non-sponsored articles or links, you may consider all articles on our site or all links to external websites as sponsored . Please note that some of the services or products which we talk about carry a high level of risk and may not be suitable for everyone. These may be complex services or products and we request the readers to consider this purely from an educational standpoint. The information provided on this website is general in nature. Global Banking & Finance Review expressly disclaims any liability without any limitation which may arise directly or indirectly from the use of such information.


The balanced scorecard (BSC) is used to attain objectives, measurements, initiatives and goals that result from these four primary functions of a business. With the balanced scorecard, Top Management looks at the company as a whole when viewing company objectives. An organization may use the balanced scorecard to implement strategy mapping to see where value is added within an organization.[i]

Developing your own Balanced Investment Scorecard

It is no surprise the basic idea behind the BSC has been applied to investments. Imagine your portfolio. For each investment object you have four updateable chapters:

  1. Financial information: balance sheet & the usual KPI’s
  2. Customer satisfaction: existing & new products; customer service excellence
  3. State of the business processes: state-of-the-art operations
  4. Organizational Development: talent retention

To reinforce good behaviors in an organization by isolating four separate areas those need to be analyzed. These four areas, involve learning and growth, business processes, customers, and finance.

Having it encourages you to collect relevant and up-to-date information about your investment object. It helps you to analyse your investment object.  It helps you to ensure a positive outcome. It also helps you to keep track of your investment developments, as you can now compare the four areas of one investment object with your other investment objects, withclearly defined risks and reliable ROI’s.

Getting the big picture


We all know the stories about champion investors like Warren Buffet. He is said to read at least eight hours a day. If you wonder what he’s reading, the four areas of the BSC will give you a clue. Companies arefar more than their balance sheet. They are living organisms. Growth in financial value depends on a total performance. But it also depends on

  • the ongoing interaction between company and market,
  • the continuing growth of managers and staff,
  • getting new and keeping existing customers.

The masters of investment like Mr. Buffet are critical readers. They want to know details about the health of his investment objects and their future potential. They look at the whole picture, and never stop analysing what they observe, starting by examining the source: is it/he/she reliable? When that is settled, what information is relevant? What isn’t? After having selected relevant information, is there anything that raises questions? When comparing past and present data, do I see any patterns?

This is where “lessons learned” and experience come in.  Successful investors diligently do their study of their investment objects and come up with wise and profitable decisions.

The number one BSC lesson

When you go to see your medical doctor for a thorough check-up, he’ll do a “Balanced Scorecard” job, which is more than measuring your blood pressure. He will advise you to do healthy things, and quit doing unhealthy things. When you invest in a company, you “pump energy” into it so it can generate a surplus of energy – profit. This process will only work when the company is healthy, does healthy things and avoids unhealthy things. Your Balanced Investment Scorecards are your patient files: they help you keep a close eye on your investment object’s health. Your response time sometimes needs to be fast. At other times, you need to be patient.

“How about Brexit?” Don’t act in panic. Collect your own information. Check your own sources. Do your own math. And as a good doctor: be patient with your patient. But act fast when all signs point to red alert.

Your strategic BSC business partner

FE CREDIT is the leading player in the consumer finance market. The company has constantly improved its procedures and infrastructure to bring about better products and services to customers, yet ensured a stringent risk management framework and created powerful human resources in order to secure its sustainable growth.

This enables FE CREDIT to focus on prevention of bad debt and reducing risk. Across the emerging markets, FE CREDIT has proven to be among the best in risk reduction. Qualification criteria are constantly updated and developed. Learning about the customers’ developing buying needs and financial habits is simply a must. At FE CREDIT, benchmarking with the world’s best practices is a refined, fact-based balancing act to create profitable portfolios.

FE CREDIT offers two classic, yet completely rejuvenated fund mobilization products: Certificate of Deposit (CD), and Term Deposit (TD). These two products come in many shapes and sizes, as close as possible to what customers are looking for. Both are intended to attract investors who like to invest a moderate amount. The minimum deposit is VND 50,000,000. The tenor is flexible: from 1 up to 60 months.

Within the limits of the law, any organization – Vietnamese or international – can purchase these products, come with a signed contract. Exceptions: credit institutions, its subsidiaries, and branches of foreign banks.

According to the State Bank of Viet Nam’s (SBV’s), finance companies raised up to VND23 trillion (about US$1 billion) through deposit certificate issuances during the first half of 2016.This was 64% higher than the amount they mobilized last year.

With Certificates of Deposit and Term Deposits you simply can’t go wrong. These products have withstood the test of time. They are noted for sustained profitability, with a considerably minimized risk.




Over the past six years, FE CREDIT has served nearly 3 million Vietnamese customers across Vietnam who is often neglected by banks, in providing the advanced products,from personal loans, two-wheeler loans and consumer durables loans to credit cards.

FE CREDIT was awarded by the Global Banking & Finance Review (GBAF – United Kingdom) the title of “Best Consumer Finance Company Vietnam 2015”.

Seize the sound win-win growth opportunities with FE CREDIT. Visit our website at: www.fecredit.com.vn or call (08) 39 115 212 or email: [email protected] for further enquiries.


[i] Source: Investopedia.com