- Time and place of crime, development of criminal behavior, tools and means used by minors in committing the crime, characteristics of the perpetrator.
To leak the above basic content, the following control measures can be taken:
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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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The Level of Emotional Intelligence of Investigators in the Security Investigation Department of the Ministry of Public Security -
Percentage of Investigation Articles Using Role-Playing Skills (%) -
Procedure for Applying Law in Criminal Investigation Cases -
Characteristics of the Practice of the Right to Prosecute During the Investigation Stage of a Case of Intentionally Causing Injury or Harm to the Health of Another Person.
+ Request the whistleblower and the organization that reported the crime to explain
and leak the contents of the incident, providing necessary documents related to the criminal behavior of minors.

+ Research records and documents.
+ Conduct scene protection.
+ Carry out verification measures to determine the location of the crime, the perpetrator, and the relationships between the perpetrators.
Checking and verifying the above contents is to detect and collect evidence documents, revealing the basis for applying necessary preventive measures against minors.
4. Decision on applying preventive measures:
After checking and verifying reports and denunciations of crimes, when there is sufficient basis to apply preventive measures, the Investigation Agency shall issue one of the following decisions:
+ In case the case has actually occurred, the subject committing the crime has been revealed, to the extent that criminal liability must be prosecuted and there are no urgent circumstances prescribed in Articles 81 and 82 of the Criminal Procedure Code, the Investigation Police Agency shall issue a decision to initiate a criminal case, prosecute the accused and apply preventive measures to arrest the accused for temporary detention when satisfying Articles 80, 88 and 303 of the Criminal Procedure Code.
+ In case, in fact, a crime has occurred or is about to occur, the criminal act of a minor satisfies the signs prescribed in Article 81, Article 82, urgent circumstances appear, and cannot be delayed, then
The investigation agency shall issue an emergency arrest warrant or arrest a person caught red-handed and decide to apply preventive measures to temporarily detain the arrested person when the contents of Article 86 and Article 303 of the Criminal Procedure Code are satisfied.
+ In case of arresting a person red-handed committing a crime or receiving a person caught red-handed committing a crime, if all conditions specified in Article 86 and Article 303 of the Criminal Procedure Code are met, a decision on temporary detention shall be made.
+ In case the arrested and detained person meets all the conditions prescribed in Article 88 and Article 303 of the Criminal Procedure Code, the Investigation Agency shall issue a decision to detain the accused after deciding to initiate a case and prosecute the accused against the minor who committed the crime.
+ In case preventive measures such as temporary detention or imprisonment are not applied, the investigation agency may hand over the arrested person to the family or local authorities for supervision and education, or if necessary, apply other preventive measures.
5. Notify the family of the arrested person, local authorities, and the organization or agency where the arrested person resides or works of the arrest. If the notification hinders the investigation, the investigating agency must immediately notify the family once the hindrance is no longer present.
In the process of applying preventive measures against juvenile offenders, the investigation agency must perform these tasks well. Although our country's law does not stipulate the task of applying preventive measures against juvenile offenders, based on the provisions on authority and responsibility, and on the practical application of preventive measures against juvenile offenders of the investigation agency, the specific tasks as stated above are determined.
1.2.5. Coordination between the Police Investigation Agency and other agencies in applying preventive measures against juvenile offenders
In order to ensure the effectiveness of preventive measures against juvenile offenders, the police investigation agency must closely coordinate with
agencies and units inside and outside the Police force on the basis of functions, tasks and powers prescribed by law.
Article 26 of the 2004 Criminal Investigation Organization Ordinance stipulates:
1. The relationship between the investigating agencies with each other, between the investigating agencies and the agencies assigned to conduct certain investigative activities, and between the agencies assigned to conduct certain investigative activities with each other is a relationship of division of labor and coordination in investigative activities. Written requests of the investigating agencies must be strictly implemented by the agencies assigned to conduct certain investigative activities.
2. In case of a case with signs of a crime but the investigating authority has not been determined, the agency that discovers it first must immediately apply investigative measures according to the provisions of the Criminal Procedure Code. Once the investigating authority has been determined, the case shall be transferred to the competent investigation agency according to the provisions of the Criminal Procedure Code.
3. The agency assigned to conduct certain investigative activities, after initiating a case and applying preventive measures within its authority, must immediately send those decisions to the Procuracy and notify the competent investigation agency.
4. The People's Police, People's Security and Military Procuracy units are responsible for supporting and implementing the requests of the heads and deputy heads of the Investigation Agency, investigators and heads and deputy heads of agencies assigned to conduct certain investigation activities during the investigation.
In addition to the relationship between the above agencies, the coordination relationship is also expressed with other relevant agencies. Within the scope of this topic, we would like to mention some main relationships regarding the application of preventive measures against juvenile offenders as follows:
- The relationship between the head and deputy head of the police investigation agency and the investigator when applying preventive measures against juvenile offenders
The head and deputy head of the investigation police agency are the persons with the authority to order or make decisions to apply certain preventive measures.
is the person who directly resolves the case, is the person who takes the initiative in proposing the application of preventive measures. Therefore, these subjects must have a close, intimate relationship with each other. Specifically:
+ For the chief and deputy chief of the investigation police agency, they must be good experts to be able to guide, inspect, and supervise investigators according to the law when they exercise their procedural powers to make accurate decisions.
+ For investigators who are directly handling the case, they must be proactive in proposing preventive measures. In particular, in the process of handling cases committed by minors, investigators must have professional competence, understanding of minors and professional legal knowledge related to minors in order to be able to make correct recommendations.
- The relationship between the superior investigation agency and the subordinate investigation agency when applying preventive measures against juvenile offenders
According to the provisions of the Criminal Investigation Organization Ordinance, lower-level investigation agencies are subject to the leadership and direction of higher-level investigation agencies. This relationship is shown in the following:
+ The superior investigation agency regularly guides, directs professional activities and supervises the subordinate investigation agency when applying preventive measures against juvenile offenders.
+ District-level police investigation agencies must regularly contact and report to higher-level police investigation agencies for timely guidance and direction.
- The relationship between the specialized police investigation agency and the agency assigned to conduct some investigation activities of the police force in applying preventive measures against juvenile offenders
According to the 2004 Ordinance on Investigation Organization, specialized investigation agencies include investigation agencies on social order, investigation agencies on economic order and positions,
Drug Investigation Agency and Investigation Office (Article 9 of the 2004 Investigation Organization Ordinance).
Agencies assigned to conduct a number of investigative activities include the Department of Road and Railway Traffic Police, the Department of Waterway Traffic Police, the Department of Fire Prevention and Fighting Police, the Department of Social Order Management Police, the Department of Judicial Protection and Support Police, the Department of Road and Railway Traffic Police, the Department of Waterway Traffic Police, the Department of Fire Prevention and Fighting Police, the Department of Social Order Management Police, the Department of Judicial Protection and Support Police, detention camps, and prisons (Article 23 of the 2004 Ordinance on Investigation Organization).
These agencies must closely coordinate with each other in applying preventive measures against juvenile offenders. Specifically:
+ For cases where the perpetrator is a minor and the crime satisfies the signs specified in Clause 1, Article 81 of the Criminal Procedure Code, the agencies assigned to conduct certain investigative activities have the right to issue an emergency arrest warrant.
+ In the process of performing tasks, if a minor is found committing a crime in flagrante delicto, it is necessary to promptly prevent it, make a record, seize documents and evidence related to the crime, and when verifying that there are sufficient conditions for temporary detention according to the provisions of Articles 86 and 303 of the Criminal Procedure Code, issue a temporary detention order. During the initial investigation stage, the agencies have the right to issue a decision to initiate a case, conduct a number of investigative activities, and within 7 days from the date of issuing the decision to initiate a case, these agencies must transfer the case file to the investigation police agency. The investigation police agency must be responsible for receiving the case assigned by the agency assigned to conduct a number of investigative activities. This provision is aimed at promptly preventing crimes, preventing criminals from evading the law, obstructing the investigation and discovery of crimes or continuing to commit crimes. At the same time, it is necessary to avoid the situation of shirking responsibility of competent agencies in the process of fighting to prevent and combat crimes.
- The relationship between provincial and district level investigation agencies and commune and ward level police in arresting criminals red-handed or wanted persons
In reality, the rate of cases of minors caught red-handed committing crimes and being transferred to the ward or commune police is often very high. When such cases occur, the ward or commune police must classify the crime, determine that the minor is caught red-handed committing a crime, and satisfy the provisions of Article 83 and Article 303 of the Criminal Procedure Code, then make a record of the arrest and transfer the arrested person to the Investigation Police Team.
On the contrary, when the Investigation Police arrest a juvenile offender in the area under the management of the ward or commune police, the Investigation Police must coordinate with the ward or commune police to ensure the arrest of the subject achieves good results. To do this effectively, the parties must have a close relationship with each other. Specifically:
+ Provincial and district police investigation agencies must regularly provide guidance on current legal provisions on the application of preventive measures against juvenile offenders and direct professional work for commune and ward police.
+ Commune and ward police must regularly exchange, consult, learn about laws and professional expertise, and seek guidance and direction from the above agencies to perform better.
- The relationship between the police investigation agency and detention camps and temporary detention houses
This relationship is shown in that:
+ The investigation police agency must ensure that the provisions of law on arrest, temporary detention, and temporary custody are followed, such as having a written warrant in accordance with the correct procedure, the content of the warrant must be based on the correct basis and subject, and the temporary detention and temporary custody warrant must be sent to the temporary detention and temporary custody facility, and the investigation police agency must monitor the temporary detention and temporary custody.
+ Detention camps and temporary detention centers must pay attention to monitoring detention to notify the police investigation agency of cases that are about to expire or have expired detention or temporary detention.
detention to ensure that detention is in accordance with the provisions of law and in accordance with the regulations on temporary detention and temporary detention issued under Decree No. 89/1998/ND-CP dated November 7, 1998 of the Government: "It is not allowed to detain people in the same cell for the same case under investigation... it is not allowed to detain minors and adults in the same cell".
Besides, this close coordination also helps the police to better investigate crimes, especially cases with accomplices.
- The relationship between the police investigation agency and the People's Procuracy
According to the provisions of the Criminal Procedure Law, the arrest of a minor suspect for temporary detention, temporary detention, extension of temporary detention, temporary detention, deposit of money or property as security... must be approved by the People's Procuracy of the same level before execution (in Articles 83, 87, 88, 93, 120 of the Criminal Procedure Code).
In case of emergency arrest, although the police agency issues an order, upon completion of the arrest or detention order, a written report must be sent along with relevant documents for the People's Procuracy to approve. Therefore, the police agency and the People's Procuracy need to discuss with each other in advance to apply preventive measures and approve the order with grounds.
If the Procuracy does not agree with the Investigation Police Agency on the application of preventive measures, the Procuracy must respond to the Investigation Police Agency in writing and clearly state the reasons for disagreement to the Investigation Police Agency. At the same time, during the course of conducting investigation activities, the Procuracy regularly inspects and supervises the arrests conducted by the Investigation Police Agency to ensure the proper application of preventive measures.
In short , juvenile offenders are a special type of subject, which needs to be carefully studied when applying preventive measures to them. On the basis of the law, the police investigation agency must perform its duties well and coordinate with other agencies to ensure the effective application of preventive measures.
Chapter 2
Current status of applying preventive measures against juvenile offenders
in Ha Tay province of the Investigation Police Agency
2.1. Some features of the crime situation committed by minors
In recent years, along with the development of the country, the economy, culture and society in Ha Tay province have also had rapid and strong developments and achieved many important achievements.
If the average annual GDP has increased by 7%, people's lives are gradually improving, infrastructure has developed significantly. Currently, many industrial parks, tourist attractions, roads, new urban chains have been and are being formed such as Hoa Lac high-tech park, Xuan Mai - Son Tay urban chain, Vietnamese ethnic cultural tourism village, Lang - Hoa Lac highway... opening up a new prospect for Ha Tay province. Promoting that advantage is due to the proper attention of our Party and State in the socio-economic development strategy. On the other hand, Ha Tay is a large province in the Northern Delta region with a population of over 2.4 million people, adjacent to the capital Hanoi and has 5 national highways running through it. Especially routes 1A connecting Hanoi, Ha Tay with the Central and Southern provinces, route 6A passing through the Northern provinces, are very convenient for the development of trade. At the same time, Ha Tay is a province with great potential for economic and tourism development and is home to many traditional craft villages. If there is proper attention and investment, the future of Ha Tay, the gateway to the capital Hanoi, will be both strong in military and economic terms and will attract many tourists to visit and explore.
However, with the achievements, compared to other provinces in the country, Ha Tay is still a province with a slow economic development and mainly agricultural production, cultural life has many limitations, the number of workers is still small.

![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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