With the context of Vietnam's economy and international is facing many difficulties due to the crisis, recession, activity of commercial banks in the country are affected with many unfavorable factors directly impact business results. To be viable and grow in the harsh business environment requires commercial banks to increasingly improve service quality, strengthen the brand, diversification of products, services,... especially to mention that is the field of retail credit activity. This is also the area where most of the development bank modeled after the modem world has been focusing on investment and development direction. For commercial banks Vietnam Joint Stock Commercial retail banking activities provide revenue stability, on the other hand low risk and less affected by economic cycles. The article refers to a number of lessons for Vietinbank to expand markets and improve the competitiveness and contribute to diversify retail credit activity in banks.