About cultivation:
Table 3.2. Crop production area from 2000 to 2008
TT
Area, output (whole year) | 2000 | 2005 | 2006 | 2007 | 2008 | ||
1 | Paddy | Annual rice area (ha) | 1092 | 1046 | 1066 | 1019 | 1922 |
2 | Annual rice output (tons) | 5287 | 6319 | 6027 | 5748 | 10142 | |
3 | Corn | Corn area for the year (ha) | 198 | 238 | 261 | 251 | 436 |
4 | Annual corn output (tons) | 664 | 1132 | 1103 | 1212 | 1753 | |
5 | Potato | Potato area for the whole year (ha) | 23 | 11 | 14 | 27 | 57 |
6 | Annual potato output (tons) | 124 | 73 | 89 | 209 | 380 | |
7 | Soybeans | Soybean area for the year (ha) | 30 | 21 | 31 | 23 | 36 |
8 | Soybean output for the whole year (tons) | 41 | 33 | 47 | 33 | 56 | |
9 | Lost | Peanut area for the whole year (ha) | 4 | 3 | 2 | 2 | 22 |
10 | Annual peanut output (tons) | 3 | 5 | 3 | 3 | 38 | |
11 | Sugarcane | Annual sugarcane area (ha) | 67 | 2 | 3 | 10 | 13 |
12 | Annual sugarcane output (tons) | 3216 | 127 | 149 | 582 | 715 | |
13 | Growing vegetables | Annual vegetable growing area (ha) | 76 | 203 | 203 | 177 | 182 |
14 | Annual vegetable output (tons) | 826 | 2229 | 2178 | 1886 | 1828 | |
15 | Bean | Annual bean area (ha) | 33 | 0 | 0 | 2 | 3 |
16 | Annual bean output (tons) | 28 | 0 | 0 | 2 | 2 | |
17 | Total | Area (ha) | 1523 | 1524 | 1580 | 1511 | 2671 |
18 | Output (tons) | 10189 | 9918 | 9596 | 9675 | 14914 | |
Maybe you are interested!
-
Industrial Production Area, Industrial Park, Traditional Craft Village, Farm: -
Area of Planted Forests and Production Forests in Luc Ngan District -
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).
div.maincontent .content_head3 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .p { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; }
div.maincontent p { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; }
div.maincontent .s1 { color: black; font-family:"Courier New", monospace; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s2 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 13pt; }
div.maincontent .s3 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s4 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s5 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s6 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s7 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13.5pt; }
div.maincontent .s8 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; }
div.maincontent .s9 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -2pt; }
div.maincontent .s10 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: 5pt; }
div.maincontent .s11 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -5pt; }
div.maincontent .s12 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -3pt; }
div.maincontent .s13 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -4pt; }
div.maincontent .s14 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 7.5pt; }
div.maincontent .s15 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s16 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s17 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9.5pt; }
div.maincontent .s18 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -1pt; }
div.maincontent .s19 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -5pt; }
div.maincontent .s20 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -2pt; }
div.maincontent .s21 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10pt; }
div.maincontent .s22 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s23 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -3pt; }
div.maincontent .s24 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -5pt; }
div.maincontent .s25 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s26 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -4pt; }
div.maincontent .s27 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -6pt; }
div.maincontent .s28 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -1pt; }
div.maincontent .s29 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11.5pt; }
div.maincontent .s30 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11pt; }
div.maincontent .s31 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11pt; }
div.maincontent .s32 { color: black; font-family:.VnTime, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s33 { color: black; font-family:Cambria, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s34 { color: black; font-family:Cambria, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -4pt; }
div.maincontent .s35 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11.5pt; }
div.maincontent .s36 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s37 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 13pt; }
div.maincontent .s38 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13pt; }
div.maincontent .s39 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 15pt; }
div.maincontent .s40 { color: black; font-family:"Times New Roman", serif; font-style: normal; fo -
Some Key Solutions to Promote Positive Changes and Limit Negative Changes of Socialist Production Relations in -
Research on treatment of rotator cuff tears using modified Mason-Allen tendon endoscopic suturing technique and creating micro-damage at the attachment area - 2

[12],[16, p.168]
The area for growing food crops has not increased, remaining at around 1,523 hectares annually, while the area for growing vegetables has increased rapidly from 76 hectares in 2000 to 203 hectares in 2005. Annual and perennial industrial crops have not developed.
Implementing the transformation of crop structure, introducing varieties of plants with high economic efficiency into production. Initially forming a number of concentrated production areas.
Specialized farming in the direction of commodity production linked to the market and increasing economic efficiency per unit area such as specialized farming of flowers, vegetables of all kinds, specialized farming of animal feed plants.
After the expansion of the town, the town's agricultural land will increase significantly (929.19 ha) about 15,600 ha in the suburban communes. The direct grain output will increase by 22,000 tons, the area of rice, corn, potatoes, soybeans and other crops will also increase significantly [83, p.28]. The focus will be on developing specialized high-value crops, winter crops, vegetables and colors for urban areas; developing flowers and ornamental plants to meet the needs of the future city; at the same time, reserving land for livestock development.
Implementing the transformation of crop structure, introducing high-economic efficiency varieties into production. Initially forming a number of specialized concentrated production areas towards commodity production linked to the market and increasing economic efficiency per unit area. Some vegetable and flower growing areas reach from 80 to 100 million VND/ha/year. Implementing policies to encourage production development, applying scientific and technical advances; supporting funding, investing in the construction of 3 pumping stations, 2 steel cage dams, solidifying more than 11km of canals, bringing the area of irrigated rice all year round to 88.5%. Supporting interest rates for implementing projects on raising buffaloes and beef cattle, buying land preparation machines, total support funding of over 1 billion VND.
Changing the structure of crops and livestock, intensive farming, and increasing the number of crops in the direction of diversification are important factors in building fields with a value of 50 million VND/ha/year in Tuyen Quang town. Y La commune is at the forefront of building fields with high cultivation value. The commune has over 300 hectares of cultivated land, of which 18 hectares are specialized in vegetables and roses with a cultivation value of 70 to 130 million VND/ha/year. Along with the conversion to aquaculture, the estimated annual income value is initially from 70 to 90 million VND/ha, raising the average cultivation value of the whole commune to over 40 million VND/ha/year. Farmers in Hung Thanh commune have also grown off-season vegetables with an income of over 120 million VND/ha/year, after deducting costs, the profit is from 30 to 40 million VND/ha/year.
To have fields with an income of 50 million VND/ha/year, Tuyen Quang town has determined that science and technology and policy mechanisms must go hand in hand to create enthusiasm for farmers to participate. Through training courses, farmers have access to new science and technology in livestock and crop farming. The town has developed and implemented preferential policies for conversion projects such as: support of 1 million VND/sao of roses; 10 million VND/km of built ditch; 2 million VND/well... In just 5 years, the town has supported over 100 million VND for farmers in 4 communes of Y La, Hung Thanh, Trang Da, Nong Tien to build agricultural production models. Thanks to that, more and more fields with an income of more than 50 million VND/ha have appeared. According to statistics, Tuyen Quang town currently has more than 50 hectares of cultivated land with a value of 50 million VND/ha/year or more, mainly clean vegetable fields with a revenue of 70 million VND/ha/year or more (profit from 35 million to 40 million VND), and flower specialized models with an income of 90 to 130 million VND/ha/year (profit from 45 million to 50 million VND/ha/year).
Total food output in 2005 reached 8,101 tons, an increase of 2,150 tons compared to 2000, average rice yield reached 64.8 tons/ha, corn yield reached 48 tons/ha, average food per capita for agricultural population reached 627 kg/year. Annually, the herd of cattle increased by 11.9%; the herd of poultry increased by 5%; fish output in 2005 reached 165 tons. Actively preventing and controlling diseases for livestock and poultry effectively, preventing outbreaks of diseases. [15, p.193]
Since 2006, the town has also implemented the project to build specialized farming and livestock areas towards commodity production in the period of 2006 - 2010; build and implement a number of production models with high economic efficiency such as growing vegetables, flowers, aquaculture; train and transfer science and technology in farming and livestock farming to farmers; put specialty rice varieties into production, improve economic efficiency on 1 hectare of cultivated land; develop livestock and poultry farming towards industry; build a concentrated livestock farming model in Y La, Trang Da, Nong Tien communes, a large-scale poultry farming model
model over 2,000 animals in Hung Thanh commune, Y La commune; convert ineffective rice land to aquaculture, focus on disease prevention for livestock and poultry.
In 2007, Tuyen Quang town continued to promote intensive farming of the entire existing cultivated area, and at the same time converted swampy agricultural land with low economic efficiency into aquaculture in 4 suburban communes to increase the average cultivation value of the whole town to 40 million VND/ha/year.
Regarding livestock: During the implementation of the restructuring program, female cows were selected and the herd was bio-chemicalized. The herd of cows was raised in stature, and the herd of buffalo was maintained stably. Some households have raised foreign sows to replace Mong Cai pigs. The livestock model of 300 - 500 heads has been maintained and developed. The livestock industry has developed rapidly.
Thanks to effective models and projects in developing the livestock industry, livestock products such as meat, eggs, milk, etc. have all increased in recent years.
When expanding the town, the suburban areas in communes such as Phu Lam, Hoang Khai, An Khang, etc. are areas with favorable conditions of hilly land and water for developing livestock and poultry farming. The scale of the town's livestock and poultry herds also increased significantly.
Shifting the structure of crops and livestock has increased production value. From the movement of shifting the structure of crops, specialized and multi-cropping areas have been formed, models of raising pigs for meat, lean sows, models of raising Egyptian chickens, raising porcupines, raising rabbits combined with growing flowers in hill gardens... have brought out the potential and strengths of lands that were still facing many difficulties. The income of people in agricultural communes has increased, many poor households have escaped poverty, gradually contributing to narrowing the gap between the rich and the poor between urban and rural areas in Tuyen Quang town.
With the advantage of being the center of trade, cultural and social exchange of the province, the traffic hub with districts in the province and neighboring provinces, Tuyen Quang town has promoted its advantages, put the program of developing high-quality plant and animal varieties to the forefront to gradually improve productivity and quality effectively. Shifting the agricultural economic structure and the structure of crops and livestock more quickly, strongly developing crops and livestock to form a concentrated commodity production area, meeting the increasing demand of the market in and outside the province.
Agricultural production in Tuyen Quang town is not a key economic sector in the current period, but it plays a very important role because a stable agricultural economy will ensure the livelihoods of thousands of farmers in the area, while contributing to the ecological balance of urbanized areas. Therefore, Tuyen Quang town has had many policies to develop agriculture and shift the structure of crops and livestock appropriately. Thanks to good propaganda and mobilization work, farmers have been proactive in shifting the structure of crops and livestock, and at the same time applying scientific and technological advances to production in the direction of commodity production, linked to the product consumption market, which has raised people's income, and significantly improved the material and spiritual life of farmers, contributing to the successful implementation of the socio-economic and national defense and security goals set forth by the Resolution of the 17th Tuyen Quang Town Party Congress. Creating a new look for Tuyen Quang town in the development of the country. This is the condition for effective and sustainable restructuring of agricultural production to build new rural areas in the period of industrialization, modernization and international economic integration.
Tuyen Quang town will develop and become a city in 2010, with a stable and sustainable economy. This also sets a new direction for the agricultural economy in Tuyen Quang town, with better quality and efficiency. In which, the basis for shifting the production structure is to choose economically efficient crops and livestock, linking production with consumption, developing production in parallel.
with the construction of rural agricultural technical infrastructure. Forming a chain linking agricultural business with industry and services in rural areas. Promoting agricultural trade promotion, vocational training for farmers to serve the agricultural production restructuring program, prioritizing and making agricultural economic development an important goal in sustainable economic development in the locality.
Forestry
Our world is changing at a dizzying pace, especially the natural world, including the role and scope of forests. Economic, social and environmental changes have forced forests to face a series of challenges and choices. How to promote sustainable forest management for the town as well as the whole province, how to increase the contribution of forests to local economic development, contribute to poverty reduction for rural people, forest fringes, and at the same time maximize the environmental protection function of forests. Along with agricultural development, the town has done a good job of caring for and protecting existing forests; organizing propaganda, signing commitments to protect forests without violating forestry laws; strengthening inspections of forest processing facilities, preventing illegal exploitation, transportation and trading of forest products in the area, and organizing a good tree planting festival "Forever grateful to Uncle Ho".
The town's forestry land area is not large, accounting for 28.6% of the total natural area, but it accounts for a fairly large proportion of the town's total agricultural land area. Before 2008, there were 1,239 hectares of forest land, of which 58.2% was production forest land, the remaining 41.8% was protective forest. [98, p.43]
In the period 2005 - 2008, the town focused on protecting existing forests, promoting natural regeneration and planting new forests, linking forest planting and protection with settlement. The management mechanism began to change in forestry towards state-owned enterprises and forestry farms providing two-way services to households, farms, and the private sector.
forestry. Therefore, the work of land allocation and forest contracting has had a positive impact on each household and individual who undertakes agricultural and forestry work combined with forest planting. In forestry production, exploitation from forests (exploitation of timber, firewood, bamboo, reeds, other forest products...) accounts for a large proportion (accounting for over 70% of the total value of forestry production). Forestry services have also increased gradually.
Forest protection work is also regularly concerned. In 2008, the existing forest area was well protected, including 446.9 ha of natural forest and 796.7 ha of planted forest. 3 ha of new forest were planted in the area of the Zinc Powder Enterprise; 30 ha of post-exploitation forest were exploited and replanted. The town's forest protection department coordinated with relevant agencies to detect and handle 23 cases of illegal exploitation, storage and transportation of forest products, collecting over 27.5 million VND to the state budget.
Income from forests accounts for an increasing proportion in the town's production value structure, and the town's forest product processing industry accounts for a large proportion in industrial development.
After expanding the forest area will increase 6-7 times the current area. This is a good condition for planning the development of all types of forests, especially organizing the development of production forests to both maintain coverage and increase income from forestry.
Aquaculture: In recent years, the development speed of aquaculture in the town is still slow compared to its potential, small scale, low productivity. The production and supply system of seeds has not been consolidated.
The aquaculture area has increased but slowly. In 2000, the whole town had 35 hectares of land for aquaculture, and by 2005 it had increased to 39 hectares [65, p.9] (in 2008 it was 34.88 hectares). The application of scientific and technical advances has not been extensive, mainly relying on traditional fish farming experience, intensive investment has not received due attention from producers, new fish varieties with high productivity and good quality such as monosex tilapia, 3-blood hybrid carp, and white pomfret have been raised but still on a small scale.
In 2005, the whole town produced over 165 tons of fish, which was not enough to meet the town's consumption needs and had to be purchased from other places. By 2008, the aquatic product output reached 410 tons, 2.4 times higher than in 2005 [16, p.207].
Thus, in recent years, agriculture has maintained a high growth rate. The production of crops is relatively stable and tends to shift strongly to crops with high economic value such as vegetables, colors, flowers, and ornamental plants. Agricultural extension work has been well implemented, initially transferring scientific and technical advances in the production of crops, livestock, and new varieties to the people, serving well the work of transforming the structure of crops and livestock, creating a breakthrough in the restructuring of the agricultural and rural economy. Veterinary work and plant protection work have been effective, ensuring the safety of livestock, poultry, and crops throughout the town.
Regarding forestry, the work of zoning, protecting and preventing forest fires has been carried out well and achieved high efficiency. The work of afforestation and planting scattered trees has made much progress and is increasingly supported by the people.
Regarding aquaculture, the Fisheries Promotion Program has initially been effective. Aquaculture is showing signs of development, although the aquaculture area is not large, but due to the initial application of scientific and technical advances, the restructuring of livestock with new fish varieties with high productivity and good quality has gradually created high value. Seeing the effectiveness of aquaculture, farmers have boldly invested capital, taking advantage of water surface for aquaculture.
However, there are still many limitations that need to be overcome. The agricultural sector is shifting in the right direction, but the variety of products in the agricultural sector is still monotonous, poor, of low quality and limited in quantity, the competitiveness of agricultural products is still limited. Slow development of specialized vegetable, color and flower and ornamental plant growing areas. The area is still low, not meeting current needs. Organizational models have not been created.
Appropriate livestock farming has a scale. Although the quality of livestock and poultry has been paid attention to, research and application of advanced technology is still lacking. The scale of livestock farming is still small, poultry farming is mainly done by households, and livestock farming has not been concentrated in commodity areas.
The agricultural extension force is still weak, not focusing on building production areas with reasonable crop structure, thereby increasing crop and livestock productivity in accordance with the development conditions of each region; not building specialized production areas with high productivity and value. There are no specific measures to create a link between the processing industry and raw material supply areas.
Forestry products are only in the form of raw material exports, causing waste of resources that not all localities have. Aquaculture has not fully exploited the potential of surface water for aquaculture, the potential of rivers, streams, ponds, and large lakes, but the introduction and exploitation of rare fish species for aquaculture development purposes has not been studied for adaptation or development; the transfer and application of scientific and technical advances into production practices is slow compared to the region, not fully utilizing the available natural conditions of the town.
The above situation is due to the rapid urbanization process, the narrowing of land area for agricultural production, in addition to unfavorable natural conditions, making agriculture face new challenges. Scientific and technical progress is a guarantee for the success of agricultural production in the new period. However, due to the distance from the center, the use of new varieties and new techniques is limited, making agriculture still face many difficulties. Employment and quality of agricultural labor are not high, at the same time there are no measures to train and support agricultural means, so agricultural labor productivity is very low.
3.2.5. Finance - banking
Budget collection in the area achieved high results, always exceeding the assigned plan and overcoming the situation of accumulated revenue compared to previous years; the budget collection structure has gradually become more stable, domestic revenue has become an important source of revenue for the town.
In 2005, the town's budget revenue reached 96.2 billion VND, 1.2 times higher than in 2001; exceeding the assigned plan. Of which, revenue from the previous year's surplus accounted for 15% of the total budget revenue in 2005, revenue from the budget accounted for 85.4% including revenue from the central budget. In 2008, the budget revenue reached 159.3 billion VND, 1.65 times higher than in 2005.
Table 3.3. Revenue and expenditure balance of Tuyen Quang town budget for 3 years (2006 - 2008)
Unit: million VND
TT
Category | 2006 | 2007 | 2008 | |
I | Budget revenue | 100,659.2 | 114,996.7 | 159,352.1 |
1 | Town budget revenue | 91,223.0 | 105,218.0 | 145,074.0 |
2 | Budget revenue at ward and commune levels | 9,436.2 | 9,778.7 | 14,278.1 |
II | Budget expenditure | 100,244,1 | 144,483.7 | 154,989.0 |
1 | Source of town budget expenditure | 91,217.1 | 104,905.1 | 141,371.0 |
2 | Budget expenditure sources at ward and commune levels | 9,027.0 | 9,578.6 | 13,618.0 |
Balance of town budget revenue and expenditure | 415.1 | 513.0 | 4,368.1 |
[100, p.42]
The town's budget expenditure has met the assigned tasks, serving well the requirements of socio-economic development. Local budget expenditure is implemented in accordance with the plan and regulations of the State.
In 2005, local budget expenditure reached 83 billion VND, of which development investment expenditure accounted for 28.4% of total local budget expenditure, regular expenditure accounted for 59.1%, and expenditure for education and training was about 33.7% [15,
p.100]. In 2008, local budget expenditure reached 154.9 billion VND, of which
Development investment accounts for 14.9% of total local budget expenditure, regular expenditure accounts for 65.87%, and expenditure on education and training is about 32.2%. [16, p.102]
Regarding financial and credit work, the town has managed and exploited revenue sources well. Annual budget revenue in the area exceeds the planned target. Decentralization of budget management and revenue and expenditure allocation mechanisms have been well implemented. Decentralization of budget management and revenue and expenditure allocation mechanisms have been well implemented in accordance with the provisions of the State Budget Law; effective use of revenue sources contributed by the people to build infrastructure, ensure financial transparency, practice thrift, and combat waste in budget spending.
Credit work has made much progress, capital mobilization by the end of 2005 reached 106 billion VND, loan turnover reached 600 billion VND, outstanding debt reached 490 billion VND.
Since 2006: to ensure strict management, good exploitation of revenue sources and increase budget revenue in the area, meeting the requirements of financial resources, on June 30, 2006, the Standing Committee of the Town Party Committee issued Directive No. 04-CT/TU on State budget collection in Tuyen Quang town. Implementing the directive, Party committees, authorities, and organizations from the town to the grassroots have regularly paid attention to leading, directing, and coordinating the implementation of state budget collection. The town People's Committee has built, developed, and implemented a project to increase the town budget revenue for the period 2006 - 2010; focused on planning resettlement areas, auctioning land use rights, and implementing the personal income tax law in the area. Total budget revenue in 2008 reached 159.3 billion VND, exceeding the plan by 0.6%.
3.2.6. Infrastructure - Basic construction and urban planning
Urban management is of particular importance to ensure sustainable development, to ensure and harmoniously resolve immediate and long-term, partial and global, individual and community interests. It is not just a simple task.
purely of the administrative management agency, but is the task of the entire Party, the entire people, and many agencies, in which the government with its system of functional agencies plays the main role. For Tuyen Quang town: The 6th Conference of the Executive Committee of the Town Party Committee, term XVI, issued Resolution No. 03/NQ/TU on April 1, 2002 on strengthening urban management work in the period 2002-2005, setting the goal of socializing urban work; strictly managing land, construction, and technical infrastructure works; Complete planning items to proactively concentrate investment resources, build effective urban infrastructure, accelerate urbanization so that the town soon becomes a third-class urban area, striving to become a city by 2010. Implementing the resolution, the town has invested 19 billion VND to upgrade 15km of inner-city roads, build 75km of concrete roads connecting hamlets, groups, and residential areas with the motto "The State and the people work together", in which the State supports cement worth 6.47 billion VND, the people contribute working days, sand and gravel materials worth 2.54 billion VND. The telecommunications network has been invested and upgraded; the telephone usage density reached 30.5 phones/100 people. [21, p.21]
Urban management work gradually became orderly, streets were renovated, and infrastructure investment and development were made. In 2005, a general planning design was established for the expansion of Tuyen Quang town until 2010 and development orientation until 2020. Detailed planning of 43 residential areas, construction of 10 new residential areas, and site clearance for 48 projects. Planning and construction of roads and sidewalks on Binh Thuan Street, Tan Quang 2 Street, Xuan Hoa area roads, construction of main drainage systems for three inner-city wards, and upgrading of clean water supply systems to serve production and daily life of the people. Upgrading and constructing 40 concrete and asphalt roads with a total length of 23.4 km. Construction and opening of new traffic intersections and traffic light systems at the intersection of Binh Thuan Street, the intersection of the Department of Transport, the intersection of Binh Thuan Street connecting to 17-8 Street. Construction and putting into use a centralized livestock slaughterhouse. Organize socialization of environmental sanitation in collecting, transporting and treating waste,



![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).
div.maincontent .content_head3 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .p { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; }
div.maincontent p { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; }
div.maincontent .s1 { color: black; font-family:Courier New, monospace; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s2 { color: black; font-family:Times New Roman, serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 13pt; }
div.maincontent .s3 { color: black; font-family:Times New Roman, serif; font-style: italic; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s4 { color: black; font-family:Times New Roman, serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s5 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s6 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s7 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13.5pt; }
div.maincontent .s8 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; }
div.maincontent .s9 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -2pt; }
div.maincontent .s10 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: 5pt; }
div.maincontent .s11 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -5pt; }
div.maincontent .s12 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -3pt; }
div.maincontent .s13 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -4pt; }
div.maincontent .s14 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 7.5pt; }
div.maincontent .s15 { color: black; font-family:Times New Roman, serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s16 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s17 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9.5pt; }
div.maincontent .s18 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -1pt; }
div.maincontent .s19 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -5pt; }
div.maincontent .s20 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -2pt; }
div.maincontent .s21 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10pt; }
div.maincontent .s22 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s23 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -3pt; }
div.maincontent .s24 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -5pt; }
div.maincontent .s25 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s26 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -4pt; }
div.maincontent .s27 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -6pt; }
div.maincontent .s28 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -1pt; }
div.maincontent .s29 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11.5pt; }
div.maincontent .s30 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11pt; }
div.maincontent .s31 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11pt; }
div.maincontent .s32 { color: black; font-family:.VnTime, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s33 { color: black; font-family:Cambria, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s34 { color: black; font-family:Cambria, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -4pt; }
div.maincontent .s35 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11.5pt; }
div.maincontent .s36 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s37 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 13pt; }
div.maincontent .s38 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13pt; }
div.maincontent .s39 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 15pt; }
div.maincontent .s40 { color: black; font-family:Times New Roman, serif; font-style: normal; fo](https://tailieuthamkhao.com/uploads/2022/06/06/dich-vu-phi-tin-dung-tai-ngan-hang-thuong-mai-co-phan-dau-tu-va-phat-8-1-120x90.png)

