This study conducted a survey on 243 branches of 32 commercial banks in Ho Chi Minh City in 2016 to explore and measure the composition of social capital affecting capital activities, using capital activities and service provision activities of commercial banks. The paper uses Exploratory Factor Analysis (EFA), CFA affirmation analysis and the Structural Equation Modeling (SEM). The results show that social capital directly affects all three activities of commercial banks. In addition, the study found that capital activity has a direct impact on using capital, activities of using capital directly affect the provision of services, and capital activities indirectly impact on service provision.