Second, innovate and improve the effectiveness of propaganda and mobilization work for Catholic dignitaries and followers. Each cadre and civil servant working in the field of religious management must thoroughly understand and fully understand the Party's viewpoints and policies, the State's policies and laws on religion; must have a firm grasp of the province's policies, orientations, plans and solutions on Catholicism and the management of Catholic activities. At the same time, strengthen propaganda, dissemination and education to raise awareness of religious laws for Catholic dignitaries, officials and followers in the province, especially in remote areas and areas with a large number of ethnic minorities following the religion. Thereby, foster patriotism and civic responsibility, contribute to building the homeland, and fight against plots to exploit religion to harm the cause of building and defending the Fatherland. In addition, apply and use many forms of organization at the same time to maximize the effectiveness of propaganda work, such as through mass media, promoting the grassroots broadcasting system, directly in community activities, distributing leaflets, and oral propaganda through legal reporters and grassroots propagandists; especially focusing on propaganda through dignitaries and monks.
Third, consolidate and improve the organizational structure; improve the professional capacity of the staff and civil servants in charge of State management of religion. Develop and effectively implement plans, schemes, training, fostering, use and ensure policies and remuneration mechanisms for staff working in religious affairs. Regarding full-time staff working in religious affairs, it is necessary to review and arrange them appropriately; ensure that they meet the requirements of the task.
Religion is a sensitive and complex social field; therefore, it is necessary to determine that cadres working in religious affairs must be people with a firm political stance, equipped with basic theoretical knowledge of Marxism-Leninism and Ho Chi Minh Thought, and have a firm grasp of the viewpoints, guidelines, and policies of the Party and the State.
Party, State laws on religious work; grasp basic knowledge about religion, doctrine, and canon law of existing religions in the area. Building a team of cadres must go hand in hand with training and fostering cadres doing State management work on religion; from the perspective of administrative management, cadres doing religious work must be trained in basic State administrative management in general and State management of religious activities in particular; be trained in basic religious specialties; avoid the situation of assigning or arranging disciplined cadres, losing prestige to do religious work. Timely replace cadres with weak capacity, lacking sense of responsibility, low prestige, having incorrect views and perceptions in State management work on religious activities.
1.4.2. Phu Yen Province
Phu Yen is a province in the South Central Coast region, located in the East of Truong Son mountain range. The natural area of the whole province is 5,080 km2 . The North borders Binh Dinh province, the South borders Khanh Hoa province, the West borders Gia Lai and Dak Lak provinces, the East borders the East Sea, with a relatively favorable geographical location and traffic for socio-economic development. Phu Yen province has 09 administrative units with 110 commune-level administrative units, including 16 wards, 8 towns and 86 communes.
Some experiences in state management of religion in Phu Yen province
Firstly, thoroughly grasp the Party's viewpoints and the State's laws to unify perception and action; synchronously coordinate among levels and sectors under the leadership of the Party and the administration of governments at all levels.
Second, attach importance to mass mobilization work, respect the faith and legal religious practice rights of citizens, do a good job of enlisting prestigious people among ethnic minorities and religious dignitaries, officials, and followers to build a core force in religion, and regularly contact
dignitaries to build close, friendly relationships in order to "use religion to solve religious problems", at the same time must have an understanding of the characteristics, psychology, customs and practices, respect the cultural activities of each ethnic group; know how to exploit the positive aspects inherent in religious doctrine, avoid offending religious sentiments and historical complexes; arouse and motivate dignitaries and believers to fulfill their civic and religious duties, and build a great national unity bloc.
Third, focus on improving the quality of state management of religion by authorities at all levels, especially at the grassroots level, gradually going into depth, ensuring good implementation of the policy of respecting and ensuring the right to freedom of belief, to follow or not to follow a religion, and the right to practice religion normally and in accordance with the law. Carry out work on Catholicism carefully, piloting it to achieve good results before expanding it, not chasing quantity but disregarding quality and completion time. Resolve religious issues right at the grassroots level; at the same time, resolutely fight against and handle activities that take advantage of religion to sabotage the revolution, divide the great national unity bloc, and violate national security.
Fourth, focus on foreign information about the results achieved in work for Catholics to help international public opinion correctly understand the religious situation in the locality, not allowing hostile forces to take advantage to slander and distort the religious policies of the Party and State.
1.4.3. Lessons learned for Gia Lai province
From the practical experiences of the provinces in State management of religion, Gia Lai province needs to focus on the following lessons:
Firstly , the World Religion is the spiritual need of a part of the people, which is and will exist with the nation in the process of building a socialist state in our country. Religious people are part of the great solidarity bloc of the whole country.
ethnic groups. Accordingly, it is necessary to consistently implement the policy of respecting and ensuring the freedom of religious belief and the right to normal religious activities in accordance with the law. Religions must also operate within the framework of the law and be equal before the law. It is strictly forbidden to take advantage of religious belief to engage in superstitious and heretical activities, activities that violate the law and State policies, incite ethnic divisions, cause disturbances, and violate national security. Organize and effectively implement the Party's guidelines and policies and the State's laws on religion in general and Catholicism in particular, focusing on researching new and effective ways of doing things, paying attention to propaganda in the mass media and in Catholic activities in the area.
Second , perfect the organizational structure, improve the management capacity of cadres, civil servants and public employees working in religious management. Focus on training, fostering and planning cadres, civil servants and public employees working in religious work according to job positions suitable to their professional titles, with proper training, strong political will, and understanding of the law in general and the law on beliefs and religions in particular. Continue to thoroughly grasp and change the awareness of cadres, civil servants and public employees working in religious work about the Party's guidelines, policies and viewpoints and the State's laws and policies on religious work as well as fully understand the important position and role of religious management work in the cause of building and defending the Socialist Republic of Vietnam today. Identify the implementation of religious tasks as the responsibility of the entire political system of the province, in which the team of specialized cadres working in religious work is the core advisory force. The organization of religious work needs to be consolidated and improved, especially at the grassroots level and in key areas with a large number of religious followers. Strengthen solidarity among religious followers in the great national unity bloc.
Third , improve the quality of inspection, examination, settlement of complaints, denunciations and handling of violations of religious laws. In the process of settlement, it is necessary to seek to influence, gain the consensus and support of religious dignitaries and followers, closely combine with propaganda, mobilization, dialogue and persuasion work to resolve petitions and complaints demanding houses and land of religious origin and resolve complex issues related to religion. Specifically: persistently mobilize and persuade clergy and parishioners to comply with the law; synchronously implement measures to both persistently mobilize and persuade, while also propagating, criticizing, condemning, focusing on division and isolation; fight against masterminds and instigators; handle extremists by law to deter and prepare plans to deal with extremist activities of demonstrations, disturbances or forced evictions when necessary. Be flexible in implementing handling measures in each specific case and time. Absolutely do not allow mistakes or failure to comply with legal regulations in the process of handling complicated cases and situations to create an excuse for bad elements to take advantage of, spread propaganda, and incite.
Fourth , regularly coordinate closely with provinces and cities nationwide, seek guidance from the Government Committee for Religious Affairs to proactively do a good job of preventing and reducing the number of parishioners who are distorted, enticed, and incited in the locality and who commit violations of the law.
Fifth , agree on the view that the handling of claims for houses and land of religious origin in the province must be resolved in accordance with the law. At the same time, pay attention to resolving the legitimate needs and aspirations of clergy and parishioners in accordance with the provisions of the law.
Chapter 1 Summary
Within the scope of Chapter 1, the author has systematized some basic theoretical issues on the State management of religion. Specifically, the basic concepts such as State management and State management of religion; religion, Catholicism and Catholic activities; doctrine, canon law and religious rituals; believers, dignitaries, and officials; religious organizations and religious establishments; State management of Catholic activities.
Through arguments, based on scientific documents and personal opinions, the author also clarifies issues about the necessity and factors affecting state management of Catholicism, thereby affirming that state management of Catholicism is extremely important and needs to be carried out in a synchronous and consistent manner.
In addition to clarifying theoretical issues, the author also presents the experiences of several other localities to draw valuable lessons on the management of Catholicism for Gia Lai province.
All of the above bases form a theoretical basis system for the author to study the practical work of State management on Catholicism. It is the premise for analyzing and evaluating the current situation of chapter 2 as well as making requests and proposing solutions and recommendations in chapter 3 of this research topic.
CHAPTER 2. CURRENT STATE OF CATHOLIC ACTIVITIES AND STATE MANAGEMENT OF CATHOLIC ACTIVITIES
IN GIA LAI PROVINCE
2.1. Factors affecting State management of Catholicism in Gia Lai province
2.1.1. Geographical location and natural conditions
Table 2.1. List of district-level administrative units in Gia Lai province
TT
Name of administrative unit | Area (km 2 ) | Population (people) | Year of establishment | |
1. | Pleiku City | 260.77 | 254,802 | 1999 |
2. | An Khe Town | 200.65 | 65,918 | 2003 |
3. | Ayun Pa Town | 287 | 39,936 | 2007 |
4. | Chu Pah District | 985.52 | 77,299 | 1997 |
5. | Chu Prong District | 1,685.5 | 123,555 | 1932 |
6. | Chu Puh District | 718.05 | 77,511 | 2009 |
7. | Chu Se District | 643 | 121,965 | 1981 |
8. | Dak Doa District | 990.35 | 123,282 | 2000 |
9. | Dak Po District | 502.62 | 40,442 | 2003 |
10. | Duc Co District | 724.28 | 75,718 | 1991 |
11. | Ia Grai District | 1,157.3 | 105,664 | 1996 |
12. | Ia Pa District | 870.90 | 56,596 | 2003 |
13. | K'bang District | 1,850.30 | 65,437 | 1984 |
14. | Kong Chro District | 1,438.20 | 52,406 | 1988 |
15. | Krong Pa District | 1,628 | 86,416 | 1979 |
16. | Mang Yang District | 1,127.8 | 68,273 | 2000 |
17. | Phu Thien District | 505.8 | 78,627 | 2007 |
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Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
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zt2a3gsnon-credit services, joint stock commercial bank
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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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Current Status of Inspection and Examination of State-Owned Enterprise Activities in Dak Lak Province -
Current Status of Financial Management Mechanism of Financial Resources Mobilized Outside the State Budget for Public Universities -
Current Status of Capital Management and Use Mechanism in State-regulated economic zones.

Source: [10]
Gia Lai is a mountainous province located in the north of the Central Highlands, at an average altitude of 700 - 800 m above sea level. With an area of 15,511.0 km², Gia Lai province stretches from 12°58'20" to 14°36'30" North latitude, from 107°27'23" to 108°54'40" East longitude. The north borders Kon Tum province, the south borders Dak Lak province, the west borders Cambodia with 90km of national border, the east borders Quang Ngai, Binh Dinh and Phu Yen provinces. Gia Lai province has 17 administrative units at district, town and city levels including 1 city, 2 towns and 14 districts; 222 administrative units at commune, ward and town levels including 24 wards, 12 towns and 186 communes. With the above geographical location, it is a certain favorable condition for the exchange of goods and has a long-standing and close relationship in terms of economy, society, and ecological environment not only with the Central Highlands provinces but also with the Central Coast provinces, the whole country and internationally.
Regarding natural conditions, Gia Lai has a tropical monsoon climate in the Central Highlands, divided into two seasons: the rainy season starts in May and ends in October; the dry season is from November to April of the following year. The Western Truong Son region has an average annual rainfall of 2,200 to 2,500 mm, the Eastern Truong Son region from 1,200 to 1,750 mm; there are many rivers and lakes with a theoretical energy reserve of about 10.5 to 11 billion kWh, the average annual temperature is from 22 0 C to 25 0 C, Gia Lai's climate is generally suitable for the development of industrial crops, general agricultural and forestry business, and large-scale livestock farming. Gia Lai currently has
about 784,600 hectares of forest, 50,000 hectares of grassland, nearly 400,000 hectares of agricultural land and hundreds of thousands of hectares of bare hills. Most of Gia Lai's natural area lies on the western slope of the Truong Son range, the terrain gradually decreases from North to South and from East to West, with mountains, plateaus and valleys interspersed (mountains are concentrated in the northern region of the province, the highest mountain is Kon Ka Kinh with a peak of 1,748 meters located in K'Bang district) creating quite diverse climatic, soil and ecological characteristics.


![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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