I am also trained in a dynamic environment with many exciting learning and extracurricular activities, and have regular access to convenient information technology products, so the above types of intelligence have more conditions to develop their advantages.
The intelligences that rank low are intrapersonal and linguistic. In particular, intrapersonal intelligence has never been ranked in the top 3. This is explained by the fact that Olympia students are mostly active, open-minded and extroverted. In addition, “Natural” intelligence is less related to the learning environment of students, so the results obtained are the lowest among the types of intelligence. This intelligence is more suitable for outdoor activities, picnics or travel.
- Differentiation of intelligence in each student
From the summary table of results (Appendix 5), it can also be seen that: There are students with strong differentiation between intelligences. However, there are also many cases showing that students do not have differentiation between strong and weak intelligences. For each of the above cases, I would like to give an example for analysis:
+ The case of clear differentiation between strong and weak intelligence
Maybe you are interested!
-
Current Status of Applying Multiple Intelligence Theory in Teaching History at Olympia Inter-level High School -
Applying multiple intelligence theory in teaching History grade 10 high school - 1 -
Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
zt2a3ge
zc2o3n4t5e6n7ts
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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Chart Showing Growth in Deposits and Lending of Commercial Banks in Ho Chi Minh City in the First 7 Months of the Year. -
Survey Results by Question Content (Based on the Summary Table of Tourist Feedback in the Multiple Choice Questions Section)
Example:Student Do Viet Ha has the following intelligence differentiation results:

45
40
35
30
25
20
15
10
5
0
39
29
20
11
14
16
9
10
Language Logic Music Movement Imagery Inner Communication Natural
Point
Chart 1.3: Chart showing the results of intelligence types of student Do Viet Ha
Thus, the differentiation of Do Viet Ha's intelligence types is very clear. The strongest intelligence is visual-spatial, followed by communication, music, and natural. This student's weak intelligence is logical-mathematical. The clear differentiation of intelligence as above creates good conditions for teachers to apply teaching methods suitable to students' perception and absorption ability.
+ In cases where there is no differentiation between strong and weak intelligence
Example:Thai Khanh Linh students have equal scores for some types of intelligence.
30
25
24
24
24
20
16
16
16
15
10
8
5
0
0
Logic Language
Music Movement Image Inner Communication Nature
Point
Chart 1.4: Chart showing the results of intelligence types of student Thai Khanh Linh
In this case, it is easy to see that the types of intelligence of Thai Khanh Linh student are not clearly differentiated. Many intelligences have the same score and in general, the scores for the intelligences are low. The explanation for this may be that students have not really invested time to complete the survey or in fact, the intelligences exist in students at such an undifferentiated level.
* Factors that make students like a group of subjects (subjects)
Based on the results of the second set of sentences, we get the following diagram:
22
7
5
0
1
Attractive teaching content, Teaching staff, Parents' guidance, University entrance exam subjects
Quite a factor
attract students
Column4 Column1 Column2
Chart 1.5: Chart showing factors that help students become interested in the subject (subject group)
From the chart above, we see:
The factor considered to be the basic reason why students love a subject (group of subjects) is the attractive teaching content, followed by the attractive teaching teacher, other factors such as the subject is necessary for life (Gia Khanh); Fun, easy (Tri Nguyen); Thao Nguyen (Hobbies); For the future (Thanh Long) or Talent (To Ha Linh); The reason "Belonging to the group of university entrance exam subjects" is in the 4th position while the reason "Parents' guidance" is in the lowest position. No student chooses this option.
The following reasons can be given to explain this:
Regarding the reason “Attractive teaching content” is chosen by most students. For international educational institutions such as Olympia, the curriculum and teaching content are built and considered very carefully, depending on the training goals, the needs of parents, students and the physical and technical conditions of the school. With a high-quality training institution such as Olympia, attractive teaching content, suitable to the set criteria, will certainly arouse the passion for learning and interest of students.
Regarding the reason, “Teacher teaches attractively” is ranked second. For each lesson, the teacher is the one who controls and organizes the teaching process. Level
The expertise, teaching methods, classroom experience... of the teacher along with the "charm" of the teaching profession are always vital factors for the effectiveness of teaching hours. Therefore, the importance of the teacher in the teaching process at high school cannot be denied. This is also one of the leading reasons to create motivation or limit the interest of each student in the lesson.
Some other factors that students give are also very suitable for their perception, goals and psychology. To build effective lessons, teachers must pay special attention to students' learning needs and goals to create motivation, excitement or control negative thoughts.
Regarding the reason “Due to parents’ orientation”, no student agrees. This is also understandable. Firstly, this is a question to assess the student’s interest in the subject (group of subjects). Interest is completely a hobby that comes from passion or personal needs. Therefore, there cannot be much coercion or advice from the family. Secondly, the respondents to the survey are 10th graders. At this age, they have quite clear thoughts and orientations. They have begun to mature and can make their own decisions regarding their future. Thirdly, they are the students who study and train in a friendly, professional international environment; are free to develop comprehensively and promote their personal ego…
From the survey tools (interview forms, classroom observations and student intelligence survey forms), we can identify the advantages and limitations of students in applying the theory of multiple intelligences at Olympia Inter-level High School in the subject of History as follows:
- Advantages: Students tend to develop some outstanding intelligences; students are active and support teachers in implementing active teaching methods.
- Limitations: Some students have unclear differentiation of intelligence types, so teachers need a lot of time to learn.
- The above conclusions require the research to point out measures to promote students' outstanding intelligences while creating conditions to promote the development of weak intelligences; providing ways for students to maximize their intelligence to study most effectively.
Besides, it is possible to see favorable factors for schools to continue promoting the application of multiple intelligence theory in general education and DHLS in particular:
- Support in the school's policies and guidelines.
- Facilities and highly qualified teaching staff meet implementation requirements.
- Teachers have understanding of multiple intelligence theory, are open-minded and proactive in applying it in teaching.
- Students are surveyed and assessed for their types of intelligence. From there, teachers have appropriate teaching strategies and plans according to the roadmap.
These are the favorable factors for the author to choose Olympia Inter-level High School as the place to survey and pilot the construction of the 10th grade DHLS process applying the theory of multiple intelligences.
CHAPTER 1 SUMMARY
Chapter 1 focuses on clarifying some theoretical and practical issues of applying multiple intelligence theory in DHLS in high schools, specifically:
1. Overview of some viewpoints on human intelligence and how to measure intelligence; Introduction to Howard Gardner, the birth and basic content of the theory of multiple intelligences, giving some requirements and proposing the process of applying the theory of multiple intelligences in DHLS at high schools.
2. Assess the current status of applying multiple intelligence theory in DHLS in high schools in general and Olympia Inter-level High School in particular.
From the research and survey process, the thesis has made a general assessment of the possibility of applying the theory of multiple intelligences more appropriately in private schools, high-quality private schools, specialized schools, and international schools. Using survey data, the author also has an initial assessment of the intelligence characteristics of a group of 10th grade students at Olympia Inter-level High School in the 2014-2015 school year.
The above research contents are an important basis, the foundation for the topic to continue clarifying the process of applying multiple intelligence theory in DHLS at Olympia Inter-level High School.
CHAPTER 2
APPLYING MULTIPLE INTELLIGENCE THEORY IN TEACHING HISTORY FOR GRADE 10 AT OLYMPIA INTER-GRADE HIGH SCHOOL
2.1. Position, objectives, and basic content of the 10th grade LS program
2.1.1. Position of the LS program for grade 10 high school
The 10th grade LS program (standard program) includes three main parts:
after:
- Part 1: World history in primitive, ancient and medieval times
- Part 2: History of Vietnam from its origin to the mid-19th century
- Part 3: Modern world history
World history is taught in grade 10 with the requirement to provide students with basic and relatively systematic knowledge about 3 historical periods: the primitive social period (from the time when ancient people appeared until the society with state and class was born), the ancient period is the period of the first class society including the ancient East and the slave society in Greece - Rome, to the medieval period is the period of formation, development and decline of the feudal regime. To facilitate the arrangement of the program at all levels, the 10th grade history textbook also has the early stage of the modern period - the period of bourgeois revolution and the initial development of capitalism. National history is taught right from grade 10 with the requirement to systematize in a general way the entire period when ancient people appeared in our country until before the French invasion of our country in 1858 [16, p. 3].
Compared to the LS PT program of the Ministry of Education and Training, the LS program of Olympia Inter-level High School has many differences. Although still based on the program of the Ministry of Education and Training, the LS program of Olympia has been adjusted to better suit the needs and aspirations of students: focusing on cultural LS areas - something that Olympia students need to be equipped with, before they go to study abroad and become global citizens, integrating with diverse world cultures. Therefore, the content of the program
The program is arranged according to topics and is conducted over 18 weeks with a duration of 36 periods, each period is 50 minutes.
2.1.2. Objectives of the 10th grade LS program
Teaching objectives are determined to guide teachers' teaching and are the basis for testing and evaluating students' learning outcomes. Therefore, setting objectives is the basis for determining key content, organizational forms and teaching methods. The objectives to be achieved by LS grade 10 high school are expressed through 3 parts according to the program distribution with three aspects: knowledge, skills and attitudes.
About knowledge :
After completing the section on Primitive, Ancient and Medieval World History, students will be able to: Present the evolutionary process of mankind from primitive man to Homo sapiens and explain the causes of the disintegration of primitive society.
- State the evolutionary process of mankind from primitive man to intelligent man and explain the cause of the disintegration of primitive society.
- Present the birth of ancient Eastern and Western countries, state and evaluate the importance of ancient cultural achievements to human life up to now.
- Present the main characteristics of the feudal states of China, India and Southeast Asia; Evaluate the achievements of these states in the fields of state apparatus building and culture.
- Present the causes and premises of the geographical discoveries of the 15th-16th centuries; state the formation and development of the feudal regime in Western Europe and analyze the achievements of Renaissance culture for humanity.
After completing the Vietnamese History section from its origin to the mid-19th century, students will be able to:
- State the time of life and places where traces of primitive people were discovered in our country; evaluate the significance of the birth of metallurgy and rice farming.



![Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
zt2a3ge
zc2o3n4t5e6n7ts
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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