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It is said that people, otherwise human resources, are the soul and basic factor determining the existence and success of all business activities of an enterprise in general or a bank in particular. Therefore, at Saigon Commercial Bank, human resources are considered as CAPITAL, not ASSET. If they were asset, human resources are thoroughly utilized until they are so exhausted that the bank can not exploit any more. On the contrary, they should be frequently preserved and developed if human resources are presumed to be capital. Being well-aware of the importance of human resources for the existence and development of the bank, SCB has been putting more efforts to improve the bank’s apparatus in order to maintain and develop a more and more professional workforce to serve customers in the best way.