This study focused on researching the factors affecting retail banking efficiency of Vietcombank branches in the Mekong-Delta region. By collecting data from financial statements from 15 branches of VCB in the Mekong-Delta Region between 2015 and 2018, the paper applies DEA estimation to measure the effectiveness of retail banking activities and uses the Tobit regression model to identify factors affecting retail banking efficiency. The results demonstrate that the retail banking efficiency of branches averaged 52.5% during the period. The rating result shows the branches in An Giang, Can Tho, Dong Thap, Kien Giang, Long An, Phu Quoc and Tra Noc rank at the top technical efficiency. In group of medium efficiency, there are branches in Soc Trang, Tien Giang and Vinh Long. In the category of the poor efficiency are the branches in Bac Lieu, Ben Tre, Ca Mau, Chau Doc and Tra Vinh. The results also show that bank scale-related factors, capital adequacy, credit quality, time specific and region impact significantly the retail banking efficiency. The research not, only contributes to enriching the empirical research method but also is significant for the management activities in business developing strategies, improving the operational efficiency of Vietcombank in the region.

Abstract
1. Introduction
2. Literature Review
    2.1. Retail Banking Efficiency
    2.2. The Factors Affecting the Retail BankingEfficiency
3. Research Methodology
    3.1. Analytical Framework
    3.2. Efficiency Measurement
    3.3. Factors Affecting Retail Banking Efficiency
    3.4. Data
4. Results
    4.1. Assessing the Retail Banking Efficiency ofVCB Branches in MDR
    4.2. Factors Affecting Retail Banking Efficiency ofVCB Branches in MDR
5. Conclusion
References

• Thi Thu Diem LE(School of Economics and Law, Tra Vinh University) Corresponding Author.