The third trimester of pregnancy will give birth to children aged 0-12 months during the entire intervention year. Thus, after 12 months of intervention, the intervention subjects will be in the age group of 0-36 months. Therefore, the subjects evaluating the effectiveness of the intervention model will be children aged 0-36 months and their mothers.
- Exclusion criteria:
+ Children with congenital malformations such as congenital heart disease, cleft palate, cerebral palsy and children not residing in the study communes.
+ Mothers and children not permanently residing at the study site
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Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
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At that time, the Branch had to set aside a provision for credit risks, which reduced the Branch's income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giang's profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project "Restructuring the system of credit institutions in the period 2011-2015" approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: "Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services".
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giang's products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Minister's Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers' cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giang's treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giang's income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giang's corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giang's card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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Building an internet communication program for Danacen International Company Da Nang - 1 -
Model system to assess the suitability of Vietnam's population-economic development process - 21
+ Mother is mentally ill, mentally retarded or uncooperative
2.2.2. Qualitative research
- Mothers with children aged 0-36 months residing in the research communes
- Commune-level staff: Medical staff of the health station, leaders of the People's Committee, representatives of the Women's Union, collaborators.
- District level staff: Nutrition specialist (CTDD), leader of District Health Center (TTYT)
2.3. Research method
2.3.1. Research design

Figure 2.1: Overall intervention design
To develop the intervention model and evaluate its effectiveness in the field, the following combined research methods were used:
1) Model building
2) Quasi-Experimental- Design, also known as community intervention with control group, pre-intervention survey (TCT) and post-intervention survey (SCT) to evaluate the effectiveness of the model.
3) Using quantitative methods (cross-sectional description) combined with qualitative methods (in-depth interviews and group discussions) in investigating TCT and SCT of a community intervention study with a control group.
- Cross-sectional descriptive survey of TCT to obtain baseline data on the status of SDD and related factors to help build appropriate intervention models and communication messages. Qualitative methods (PPĐT) were also used in combination with the TCT survey to further explore mothers' knowledge, concepts, attitudes about infant feeding and barriers to proper practice.
- Cross-sectional survey of SCT to obtain data and information to compare with baseline data to evaluate intervention effectiveness. In the SCT survey, PPĐT was also implemented but only in 2 intervention communes to evaluate the applicability of the model.
Below is a schematic diagram of the design of a community intervention study with a control group:

Figure 2. 2: Design diagram of community intervention study with control group
Figure 2.2 describes the design of the community intervention with a control group. From 6 coastal plain districts of Khanh Hoa province, 3 districts were intentionally selected, of which 2 were urban districts (Nha Trang city and Ninh Hoa town) and one district was
Rural area (Dien Khanh district). From 3 districts, 3 communes were randomly selected from the communes that met the selection criteria of the study. (For the selection of research communes, please see the sampling section). Two urban communes were divided into intervention communes and control communes. This intervention commune was called the urban intervention commune (CTTT). The remaining rural commune was included in the intervention group and was called the rural intervention commune (CTNT). Intervention group : Including CTTT and CTNT, which implemented the activities of the communication model and the activities of the National Target Program "Children's Information and Communication Improvement Project". Control group : In the control group, only the activities of the Child Information and Communication Improvement Project were implemented.
Steps to implement a community intervention study with a control group:
+ After having the intervention group and the control group, conduct a survey of the pre-intervention situation (time T0) using cross-sectional description combined with in-depth interviews (IDI) and group discussions (FGD).
+ Implement interventions immediately after the situation investigation within a period of 12 months (from August 2011 to the end of July 2012).
+ Post-intervention survey (time point T12) using cross-sectional description combined with PVS and TLN, compared with TCT survey results to evaluate model effectiveness and the ability to replicate the model in the field.
2.3.2. Method of building intervention model
2.3.2.1. Steps to build the model
Step 1: Overview of documents on all issues related to the research topic, review of evaluations of PCSDD interventions in the world and in Vietnam, basic theories on communication types, national strategies on PCSDD, recommendations, evaluation standards of WHO and VDD related to infant feeding
Step 2: Review the local environmental reality, projects being implemented locally (activities that have been and are being implemented, existing, gaps that have not been addressed), integrate the program and seek support.
Step 3: Build intervention model and intervention content
Step 4: Seek advice from experts and scientific and technical councils, seek resource and technical support from domestic and international organizations.
Step 5 : Build intervention toolkit, test and produce intervention toolkit
2.3.2.2. Target audience and media types
Target group of communication intervention
1) Main target group: Pregnant women in the last 3 months, mothers with children from 0-24 months old.
2) Target group 2, group with direct influence (husband, mother-in-law, biological mother, friends, health workers and collaborators);
3) Target group 3: Government leaders, unions, social organizations and communities.
Diverse communication models at the YTCS line
Using direct communication (TTTT) and indirect communication (TTGT) measures through many communication channels. The model is deployed at the commune health station with the aim of targeting the majority of local mothers, who are the working class and do not have many opportunities to access updated information on NDTN.
How to reach the target audience
Direct communication at the counseling room (PTV), in the community, in households. Indirect communication through mass media channels, leaflets, billboards, posters, radio and television.

Figure 2. 3: Media diversity and target audience
Direct communication activities in the consulting room
Information and communication activities at the PTV include individual counseling, small group counseling, large group communication and communication integrated with other health activities at the CHT. Service packages provided at the PTV include encouraging breastfeeding (for mothers in the last 3 months of pregnancy); Supporting breastfeeding (supporting mothers to breastfeed at the time of birth); Managing breastfeeding (for mothers with children aged 0-6 months); Guidance on complementary feeding and other content (for mothers with children aged 5-6 months); Managing complementary feeding (for mothers with children aged 6-24 months).
Support tools for consultation: PTV is set up separately, with appropriate colors, equipped with TV and other office supplies, with the “Mat Troi Be Tho” brand logo, with support tools for consultation such as flipcharts, leaflets, baby models, pacifiers, breast milk pumps, fresh food, cooking stoves, etc. to guide mothers in practice and finally share the use of communication materials of other health care programs. Along with consultation activities, the service also provides ORS packages, digestive enzymes, and supplements for children when needed.
Direct communication activities in the community
Commune health workers develop communication plans. Implement rolling communication campaigns by village and residential group for target groups. Commune health workers coordinate with local socio-political organizations to communicate to target groups. Collaborators communicate when visiting households.
Indirect communication activities
Choose multiple communication channels and multiple communication levels. Communication channels include television, radio, billboards, posters, leaflets, and booklets. Provincial management boards conduct communication via television, create billboards, and posters. District management boards organize competitions and events. Commune health stations distribute leaflets, broadcast radio, etc.
Indirect and direct communication measures in the community through various communication channels were designed and implemented by the researchers. Direct communication measures in the counseling rooms in the intervention communes were implemented with funding and technical support from the Alive & Thrive project.
2.3.2.3. Intervention content
Intervention content is tailored based on initial survey results.
However, the basic propaganda content includes:
- Nutritional care for mothers during pregnancy, encourage breastfeeding
- Education about ABS, encouraging the use of a variety of foods, using foods rich in iron and avoiding foods that hinder iron absorption.
- Take care of sick children with diarrhea, respiratory infections, viral fever
- Education on personal hygiene and food safety
- Encourage mothers to participate in other child health care programs such as expanded immunization and Vitamin A programs.
- Children with malnutrition determined by total weight and children with anemia through testing are advised on diet or referred to hospital for examination and treatment.
2.3.2.4. Search for a brand logo for the consulting room
Organize a workshop to introduce the intervention model, collect feedback on the model and search for a brand logo to send for selection. During the workshop, they discussed and gave feedback on building the intervention model and divided into groups to design the brand logo. The groups drew logos and sent them to the organizing committee for selection. However, the A&T organization chose the Little Sun logo, which was not the logo proposed by Khanh Hoa province.
2.3.2.5. Building a brand identity system and other activities
Brand identity system: Take advantage of all applications on all materials and elements, seize opportunities to create a brand identity system. For example, on billboards, flyers, posters, pocket books, PTV signs, invitations for children to drink Vitamin A, invitations for vaccination, gifts (raincoats, scarves, hats), commercials, videos, wall clocks.
Brand and PTV advertising: Use all possible communication channels and brand recognition systems to promote the brand and PTV. For example, take advantage of every commune meeting such as the Women's Union, residential group and loan group meetings, CTV will introduce PTV. Make a report about PTV and broadcast it on the provincial Radio and Television station.
Khanh Hoa (KTV), PTV advertisement “Little Sun” on KTV, VTV2, VTV3 (produced by A&T organization). Finally, advertisement on Khanh Hoa newspaper.
Other supporting activities: Establishing PTVs with the same brand at provincial general hospitals, district hospitals, and reproductive health care centers to receive referrals from PTVs of commune health stations and taking advantage of every opportunity to approach and promote to mothers who have prenatal checkups and give birth at these health facilities. Creating a favorable environment for breastfeeding through inspection of the implementation of Decree 21/ND-CP of the Prime Minister dated February 27, 2006 on the Business and Use of Nutritional Products for Children
2.3.2.6. Organizational system and monitoring system diagram

Figure 2.4: Organizational system and monitoring system
o Provincial management board: Provincial management board (representing leaders of the Department of Health, Medical Professional Department, Preventive Medicine Center, and Reproductive Health Care Center). The tasks of the provincial management board are to direct general activities, issue directive documents, train source trainers for the district level, organize workshops to implement Decree 21 for medical facilities in 2 districts and towns where there are intervention communes, supervise and support intervention activities, inspect the model's activities periodically every quarter and suddenly, and promote the PTV brand on mass media.
o District management board : The district management board manages general activities, deploys the implementation of Decree 21 in the management area, participates in sending staff to train district-level source lecturers, train consultants and communicators, train collaborators, guides the organization and operation of PTVs and communication activities, inspects and supervises support for communication activities and consulting activities at NDTN consulting rooms, periodically and suddenly, and promotes the PTV brand.
o Commune health workers intervene: Station heads and nutrition specialists plan communication at the commune and at the PTVs, manage collaborators, assign tasks to collaborators, coordinate with collaborators to implement group communication activities at PTVs and outside PTVs, supervise and support collaborators, report monthly consulting activities. Adjust communication plans to suit reality. Promote PTV brand
o Collaborator : The collaborator 's task is to visit households with intervention subjects (pregnant mothers and mothers with young children), propagate at households, distribute leaflets, introduce mothers to PTV, and implement Decree 21.
2.3.2.7. Intervention process
- Organize workshops with partners and stakeholders : Department of Health, District Health Centers implementing interventions, departments, unions and communes intervening.
- Training: for health workers on NDTN care, consulting skills, communication skills, communication planning skills, how to organize communication sessions, and manage consultation rooms. Training nutrition collaborators on NDTN, assigning tasks to collaborators.



![Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
zt2a3ge
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At that time, the Branch had to set aside a provision for credit risks, which reduced the Branchs income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giangs profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project Restructuring the system of credit institutions in the period 2011-2015 approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services.
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giangs products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Ministers Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giangs treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giangs income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giangs corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giangs card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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