Dear Mr. Minh, you are in room 1223. We will wake you up at 5:00 tomorrow morning. Thank you for calling.
B : Thank you. Set the alarm.
A : (Calling the guest room) Hello Mr. Minh! This is Hong, the receptionist. It is 5:00 now, as per your wake-up call request. Good morning. Do you have any other requests?
B : No. Thank you very much.
Maybe you are interested!
-
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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Completing the organization of accounting for revenue, sales costs and determining business results at Hai Phong Paint Joint Stock Company - 1 -
Accounting for revenue, expenses and business results at Long Bien Industrial Gas Joint Stock Company - 2 -
Accounting for revenue, expenses and business results at An Ngai Mechanical and Construction Joint Stock Company - 3 -
Completing revenue accounting and determining business results at Ha Lam Coal Joint Stock Company - Vinacomin - 16
4.1.2.10. Communication when receiving customer service orders
When guests contact the receptionist to book hotel services, the receptionist needs to perform the following tasks:

Greet guests: Greet guests. Offer help. Receive guest requests: Record guest requests.
Check responsiveness: Check with relevant departments. Agree with customers on customer requirements.
Confirm the customer's service booking. End: Thank the customer for booking the service.
Notify relevant departments to prepare customer service.
Sample dialogue
A: Receptionist
B: Guest
A guest staying at the hotel calls the front desk to request a dinner reservation at the hotel restaurant.
A : (Picks up the phone within 3 rings) Hello! This is the Reception department, Hong speaking. How may I help you?
B : Hello! Could you please make a reservation at the restaurant for dinner?
A : Could you please tell me your name and room number?
B : My name is Minh, room 1223.
A : Please let me know how many people you would like to reserve and at what time?
B : For 6 people at 19:00.
A : Please wait a moment. (After contacting the restaurant to check availability, the restaurant is ready to welcome you) Mr. Minh! Our restaurant still has space to serve you. Do you have any requests for food, drinks or other requests?
B : No. We will order from the menu. Thank you.
A : Then we will reserve a table for 6 people with a suitable location for you. Thank you for calling to reserve. Hello!
4.1.2.11. Communication when receiving and delivering messages to customers
When a guest wants to send a message, the receptionist needs to receive the guest's message and forward it to the intended guest. The procedure is as follows:
Receive messages: Ask for the sender's name and phone number. Ask for the recipient's name and room number. Ask for the message content.
Write message.
Confirm the information received.
Closing: Thank the customer. Promise the customer to promptly deliver the message. Deliver the message slip to the recipient.
Sample dialogue
A: Receptionist
B: Guest
A guest arrives at the hotel and requests to meet a guest who is staying at the hotel, but the guest is not at the hotel. The guest wants to leave a message.
A : Hello! How can I help you?
B : Hello! Could you please put me in room number 2501 with Mr. Nam?
A : Sorry, Mr. Nam is out. Could you leave a message?
B : Yes. Please let me leave a message.
A : Could you please tell me your name, phone number and message content?
B : My name is Le Thu Hang. Phone number 0983565678. Please tell me "Mr. Nam, please send the report to the company urgently".
A : Yes. Ms. Hang! You want to tell Mr. Nam in room 2501 that "Mr. Nam, please send the report to the company urgently", right?
B : Yes. Thank you.
A : I will forward your message as soon as Mr. Nam returns. Goodbye.
older sister.
4.1.2.12. Communication when handling customer complaints
The reception department is the department that regularly and directly contacts guests, so when guests are not satisfied with the service or the hotel, they often complain to the reception department. Therefore, receiving and resolving guest complaints is a very important task of the reception department. Receptionist
Complaint handling must be considered a service, and must be done to make customers “satisfied after being dissatisfied”. The procedure for receiving and handling complaints is as follows:
Handling complaints: Separate the complaining customer from other customers. Listen carefully. Give the customer a chance to express himself. Empathize with the customer. Have a pen and paper available to take notes. Allow the customer to finish his complaint.
Sorry to the customer: Sincerely apologize to the customer.
Propose a solution: Discuss the solution with the customer.
decided
Thank you guest: Thank the guest for giving feedback to the hotel.
Promise to customers: Promise to customers that you will quickly resolve their problems.
guest.
Problem Solving: Quickly coordinate with relevant departments to resolve customer issues.
Track problem resolution.
Notify the customer when the issue has been resolved, check customer satisfaction: Notify the customer that their issue has been resolved, ask if they are satisfied, and thank the customer again.
Record customer complaints.
Sample dialogue
A: Receptionist
B: Guest
C: Room staff
A guest came to the front desk to complain that the hotel housekeeping department was not cleaning the guest room properly.
A : Hello sir! How can I help you?
B : I am not satisfied with the cleanliness of my room.
A : Could you please tell me your name and room number?
B : My name is Quang, room 1123.
A : Yes, Mr. Quang! Is there a problem with your restroom? Can you tell me the details?
B : The housekeeping staff in my room were so sloppy, the bed sheets were not flat, the table top was dusty, the bathroom smelled bad, and the bathtub had stains.
A : Yes. How long has this problem been going on?
B : Two days now.
A : That's a pity, Mr. Quang. I sympathize with you. On behalf of the hotel, I sincerely apologize to you. I will now ask the cleaner to clean your room again. Thank you for your valuable comments.
your comments will help our hotel improve the quality of service to our guests. I promise you this will never happen again.
B : Thank you! Hello!
A : Thank you Mr. Quang! Hello! Have a nice day! (Then call the housekeeping department).
C : (Picks up the receiver) Hello! This is the housekeeping department, Thuy speaking. How may I help?
A: Hello Ms. Thuy. I am Mai from the reception department. Mr. Quang in room 1123 complained that the housekeeping department did not clean his room. Please arrange for room 1123 to be cleaned again and remember to clean the room more carefully next time.
C : Yes. I will arrange to clean room 1123 immediately.
A : (After the housekeeping department cleaned the guest's room, the receptionist called the guest) Hello Mr. Quang. I'm Mai from the reception department. Your room has been cleaned. Are you satisfied?
B : Yes. Okay.
A : Sorry to bother you. Thank you again for your comments. Do you have any further requests?
B : No. Thank you!
A : Hello sir. Have a nice day!
B : Hello.
4.1.2.13. Communication when making payment for customers
Making payment procedures for guests is the job of the receptionist when guests check out. Payment procedures for guests can be divided into the following types of guests: individual guests, group guests, VIP guests. The order of payment procedures for guests is as follows:
Welcome guests: Greet guests. Offer help. Receive payment requests: Ask for guest name and room number. Notify housekeeping to check room.
Find the pre-prepared payment profile.
Send the payment summary to the customer for review. Prepare the payment invoice and send it to the customer for signature.
Cashier.
Please ask the guest to return the room key.
Introduce staff to support guests.
Closing: Thank you. See you next time. Wish you a safe journey.
Sample dialogue
A: Receptionist B: Guest
Guest goes to the reception desk to pay and check out. Guest agrees with the payment summary.
A : Hello sir! How can I help you?
B : Hello! Please let me check out.
A : Could you please tell me your name and room number?
B : My name is Tung, room 4123.
A : Please wait a moment while I find the payment file.
B : Yes.
A : (After calling to request the housekeeping department to check the room) Dear Mr. Tung! This is your payment summary. Please check it.
B : (After checking) I agree.
A : (After preparing the payment invoice) Please sign the invoice. You are paying by credit card, right?
B : Yes. Here is my credit card.
B : Give me back my credit card. Please sign the card payment receipt. Can I have my room key back, please?
B : Here is the room key.
A : This is the hotel staff who will help you with your luggage to the car. Thank you for staying at the hotel! We look forward to serving you again. Good luck on your journey. Goodbye.
4.1.2.14. Communication with relevant departments
In the process of performing work, the reception department is related to almost all departments in the hotel. The reception department plays a key role in coordinating activities with other departments in the hotel, being the bridge between guests and departments in the hotel. Therefore, internal communication activities of the reception department play a very important role. Receptionists often communicate with staff of departments such as: housekeeping department, security department, maintenance department, food service department, accounting department, marketing department, human resources department, etc.
Sample dialogue
A: Receptionist
B: Restaurant staff
The receptionist called the restaurant to inform them of the restaurant reservation for dinner.
B : (Picks up the phone within 3 rings) Hello! This is the restaurant department, Hong speaking. How may I help you?
A : Hello! Please prepare seats and utensils for 6 guests for dinner at 7pm.
B : Do you have any other requests?
A : No. Please note to arrange convenient seating for guests.
B : Yes. Hello!
4.1.3. Practice situation
Situation 1. A guest calls the hotel and asks to see the CEO. The CEO is currently out of the hotel.
- Target:
+ Students understand the process of communicating with customers over the phone.
+ Practice telephone communication skills and apply them in practice.
+ Be aware of the role of the receptionist when communicating with customers.
- Request:
+ Play the role of receptionist and guest to resolve the situation.
+ Discuss with classmates and practice communication situations.
- Suggestions for solving the situation:
+ Have a polite and friendly communication attitude.
+ Control voice quality and volume.
+ Ask and record complete information about the guest.
+ Record full information of the message (if any).
Situation 2. A guest calls the hotel and asks to meet a staff member in the Marketing department.
- Target:
+ Students understand the process of communicating with customers over the phone.
+ Practice telephone communication skills and apply them in practice.
+ Be aware of the role of the receptionist when communicating with customers.
- Request:
+ Play the role of receptionist and guest to resolve the situation.
+ Discuss with classmates and practice communication situations.
- Suggestions for solving the situation:
+ Have a polite and friendly communication attitude.
+ Control voice quality and volume.
+ Ask and record complete information about the guest.
+ Transfer the machine to the department requested by the customer.
Situation 3. A customer calls the hotel to request a room reservation. The staff introduces the room types to the customer using the low-to-high sales method.
- Target:
+ Students understand the communication process when customers book a room over the phone.
+ Practice telephone communication skills and apply them in practice.
+ Be aware of the role of receptionists in introducing hotel services.
- Request:
+ Play the role of receptionist and guest to resolve the situation.
+ Discuss with classmates and practice communication situations.
- Suggestions for solving the situation:
+ Have a polite and friendly communication attitude.
+ Control voice quality and volume.
+ Ask for full information about the customer and their requests.
+ Introduce room types and room prices in the hotel according to the selling method from low to high.
Situation 4. A guest calls the hotel to request a room reservation. The hotel cannot meet the guest's request.
- Target:
+ Students understand the communication process when customers book a room over the phone.
+ Practice telephone communication skills and apply them in practice.
- Request:
+ Play the role of receptionist and guest to resolve the situation.
+ Discuss with classmates and practice communication situations.
- Suggestions for solving the situation:
+ Have a polite and friendly communication attitude.
+ Control voice quality and volume.
+ Ask for full information about the customer and their requests.
+ Provide fast and accurate information.
+ Check the hotel's ability to meet guest requests.
Situation 5. A guest who has booked a room calls the hotel to request a change in stay.
- Target:
+ Students understand the communication process when customers request to change their stay time over the phone.
+ Practice telephone communication skills and problem solving.
- Request:
+ Play the role of receptionist and guest to resolve the situation.
+ Discuss with classmates and practice communication situations.
- Suggestions for solving the situation:
+ Have a polite and friendly communication attitude.
+ Control voice quality and volume.
+ Ask for full information about the guest, information about the room booked and length of stay.
+ Check the hotel's ability to meet guest requests.
Situation 6. A guest who has booked a room calls the hotel to request to cancel the room type. The guest cancels the room reservation against the regulations.
- Target:
+ Students understand the communication process when a customer requests to cancel a room type over the phone.
+ Practice telephone communication skills and problem solving.
- Request:
+ Play the role of receptionist and guest to resolve the situation.
+ Discuss with classmates and practice communication situations.
- Suggestions for solving the situation:
+ Have a polite and friendly communication attitude.
+ Control voice quality and volume.
126

![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 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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