PART I
RADIO – CASSETTE INTRODUCTION
CHAPTER 1: GENERAL CONCEPTS OF RADIO
A. PRINCIPLE OF RADIO TRANSMITTING AND RECEIVING:
I. ELECTROMAGNETIC RADIATION:
Radio waves used in information technology, infrared rays that we feel as heat on the skin or visible light from purple -> red, or ultraviolet rays, X-rays, gamma rays emitted from radioactive substances... are all waves with different frequencies of electromagnetic radiation. Electromagnetic radiation is also called electromagnetic waves, it can be converted to each other in the transmission space from electric field to magnetic field and vice versa.
Electromagnetic waves propagate in space at a speed of 300,000 km/s. If we call C the wave propagation speed, f the frequency and the wavelength of the radiation, we have:
f C
The frequency of electromagnetic waves is hertz (Hz). In radio communication technology
has a wavelength in (m) or centimeters (cm) while other radiations such as light, X-rays, Gamma rays... have a wavelength in A 0with 1A 0 = 10 -10m.
II. ELECTRICAL SIGNALS:
In information technology, sound or image is converted into an electrical quantity in the form of current or voltage. The signal current or voltage is called an electrical signal. Common electrical signals are audio frequency (AF) signals and video signals (VF).
1. Audio frequency signal: (AF: audio frequency)
Audio signal is a signal with a frequency in the audible frequency range (20Hz- 20,000Hz). The device commonly used to convert sound into audio signal is a microphone.
2.Video signal: (VF: video frequency)
A video signal is an electrical signal whose intensity varies according to the brightness of the image elements. The maximum frequency of the video signal is proportional to the square of the number of lines of resolution of the image and its value is measured in Mhz.
III. ELECTRICAL SIGNAL MODULATION:
Voice and music after being converted into audio frequency signals, even though the power has been increased, still cannot be transmitted to the transmitting antenna to transmit information in the form of electromagnetic waves because:
- Audio signal broadcast through antenna cannot be transmitted far because the frequency is not high enough (below 20Khz).
- If the signal frequency is large enough to radiate, the efficiency of the work is low, the broadcasting station is very complicated, and the quality of the received signal is very poor.
Therefore, to transmit audio frequency signals in the form of electromagnetic radiation, people use modulation techniques. Using an audio frequency signal to modulate a high frequency signal to get another signal, the modulated signal contains both the transmitted audio frequency signal and has a high enough frequency to be easily radiated by the transmitting antenna into electromagnetic waves that propagate in space. The "modulation" process is to insert the audio frequency signal into the high frequency signal, using high frequency waves to "carry" the audio frequency waves. The high frequency waves are called carrier waves.
At the receiver, the audio frequency signal (containing the information to be transmitted) is separated from the high frequency signal and further amplified... and sent to the speaker to reproduce the audio signal.
In modulation techniques, we have amplitude modulation (AM) and frequency modulation (FM) used in sound systems.
1. AM signal modulation: (Amptitude Modulation)
Amplitude modulation is also known as amplitude modulation or amplitude modulation. Figure (1a) is an unmodulated high frequency (RF) signal. Figure (1b) is the audio frequency (AF) signal of the information to be transmitted and figure (1c) is the result of modulation, the modulated signal or also known as AM wave.
The amplitude modulated signal has the same frequency as the high frequency signal but the amplitude varies according to the audio frequency signal.
It has been shown that if the RF high frequency signal has frequency f 0amplitude modulated by an AF audio signal with frequency f, the AM signal has three components: carrier wave f 0and two frequency bands carrying f 0– f and f 0+ f (figure 2).
Difference (f 0+ f )- (f 0- f) = 2f = BW is called bandwidth, passband or spectrum. Radio stations usually have BW = 10Khz.
Figure a
Figure b
Figure c
a) RF high frequency signal
b) AF audio signal
c) AM amplitude modulated signal
Figure 1: Amplitude modulation.
f 0 -ff 0 f 0 +ff 0
Figure 2: Frequency spectrum of a high frequency signal modulated by an audio frequency signal.
a) By a monosyllable
b) By a frequency band
2. FM frequency modulation:
Frequency modulation is also known as frequency modulation.
Figure 3 shows the form of a high frequency signal that has been frequency modulated by an audio signal. The audio signal changes the frequency of the high frequency signal (carrier wave) while the amplitude remains the same.
Call f 0is the frequency of the unmodulated high frequency signal, after modulation, in the positive half cycle the frequency increases to f 0+f =f 1and in the second half of the sound cycle the frequency drops to f 0-f =f 2. The FM wave emitted has a frequency of f= f 0 f. Where f 0called the center frequency, f is called the frequency shift, frequency shift or frequency gain.
The bandwidth BW of an FM broadcast station is limited to 150Khz. BW = 2f =150Khz.
Figure 3: Audio frequency modulated wave.
3. Compare FM and AM modulated waves:
Compared with AM modulated waves, FM frequency modulated waves have the following advantages:
- Good sound quality, high anti-interference.
- FM transmitter provides fixed power with high working efficiency.
However, its disadvantage is that its bandwidth is too wide, so it is only suitable for short and ultra-short waves. Therefore, the transmission distance is only under 100km. From the above comparison, FM waves are often used to broadcast music for each local station because it has better quality than AM waves.
IV. RADIO WAVES:
Radio waves are called electromagnetic waves. The high-frequency signal (carrier wave) after being modulated (modulated) by the audio-frequency signal and amplified is emitted into space by the antenna in two parts: the electric field and the magnetic field of the same frequency lie on two planes perpendicular to each other and perpendicular to the direction of wave propagation.
The intensity of the wave propagating at a point depends on many factors:
- Transmitter antenna structure.
- Radio power.
- Transmission medium.
- Factors of weather, geography...
1. Bandwidth classification:
Type | frequency wave | Step wave | Name call | Common name use | Uses |
1 | 10Khz- 30Khz | 30km- 10km | Super low frequency | VLF | Long distance communication. |
2 | 30Khz- | 10km- | lower frequency | LF | Long distance communication |
Maybe you are interested!
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Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
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At that time, the Branch had to set aside a provision for credit risks, which reduced the Branch's income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giang's profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project "Restructuring the system of credit institutions in the period 2011-2015" approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: "Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services".
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giang's products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Minister's Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers' cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giang's treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giang's income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giang's corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giang's card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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Design and construction of LAN network Part 1 - Hanoi College of Electromechanics - 7 -
Design and construction of anti-theft system via phone - 2 -
Design and manufacture of electric power steering system model - 9 -
Accounting for General Production Costs at Nam Anh Construction Design Consulting Joint Stock Company.

Radio waves are divided into 8 types for convenience and this division is not absolute.
300Khz | 1km | sea. | |||
3 | 300Khz – 3Mhz | 1000m- 100m | intermediate frequency | MF | Maritime communication. |
4 | 3Mhz – 30Mhz | 100m- 10m | High frequency | HF | Long distance communication and medium. |
5 | 30Mhz- 300Mh | 10m- 1m | High frequency | VHF | Television, short distance communication. |
6 | 300Mhz- 3Ghz | 1m- 10cm | High breakage frequency | UHF | Same as VHF |
7 | 3Ghz- 30Ghz | 10cm- 1cm | Ultra high frequency | SHF | Same as VHF |
8 | 30Ghz- 300Ghz | 1cm- 1mm | Pole high frequency | EHF | Radio approach radar |
Table 1: Bandwidth classification.
Note: Waves with frequencies of 2000Mhz or higher are called microwaves.
2. Propagation of electromagnetic waves:
There are two main paths for radio waves to travel from the transmitting antenna to the receiving antenna:
- Ground wave: wave propagates near the ground from the transmitter to the receiver directly.
Transmitting antenna
Receiving antenna
(b)
- Sky waves: waves propagate to the ionosphere of the atmosphere and reflect back to the receiver, the waves propagate indirectly.
Transmitting antenna
Ionospheric refraction
Receiving antenna
(a)
a) Ground waves
b) Sky waves
Figure 4: Radio wave propagation
The propagation of sky waves always changes with the weather, which means it always changes with the fluctuations of the two layers of atmosphere surrounding the earth. The propagation of ground waves is limited by terrain (mountains, seas, etc.) and the propagation range is difficult to exceed 100km due to the curvature of the earth (Figure 4).
From VHF waves and above (ultra short waves) do not reflect in the ionosphere and so go out into space, so they only propagate underground and are only suitable for nearby information.
Since HF waves (shortwave) are mainly transmitted as sky waves, they are reflected by the ionosphere, so the transmission distance is very long, suitable for long-distance information.
It should be noted that the farther away the transmitting antenna is, the weaker the wave energy, the weaker the received signal. The level of energy loss of the transmitted wave depends on the distance, terrain frequency, etc.
V. OVERVIEW OF THE BROADCAST SYSTEM:
To broadcast news programs, music, etc. everywhere, domestically and internationally, a radio broadcasting system must be used. The broadcasting system consists of three parts: a studio, a radio station, and a radio receiver.
The recording studio has the function of recording sound, converting speech and music into audio frequency signals, pre-amplifying, and providing audio signals to the broadcasting station.
The radio station receives audio frequency signals from the broadcasting studio, amplifies them, modulates them with high frequency waves into the station's signal, and then sends them to the transmitting antenna. At the transmitting antenna, the station's signal is radiated into radio waves and propagates in space.
antenna
Power amplifier
Create Oscillation
Frequency or Frequency Control

Sound Amplifier
Microphone
Figure (a)
Antenna | |
High frequency amplifier | |
Loudspeaker
Audio amplifier
Wave separation
Figure (b)
Figure 5: a: Simple block diagram of a broadcasting system b: Simple block diagram of a receiving system
At the radio receiver, the radio waves of the transmitting station are induced on the receiving antenna into the electromotive force of the signal. The signal is selected and sent to the high-frequency amplifier stage, which separates the waves to remove the high-frequency carrier wave, and retrieves the audio signal that the station needs to transmit. The amplifier increases the power level of the audio signal strong enough to be transmitted to the speaker (Figure 5).
B. QUALITY CRITERIA:
I. SENSITIVITY:
The sensitivity of a radio receiver is measured in millivolts per meter (mV/m) or V/m. The lower the signal voltage value, the more sensitive the receiver is and the farther away the receiver can receive stations with weak signals.
In fact, the radio receiver itself also has an internal noise level. This internal noise goes out to the speaker at the same time as the signal from the station to be received, so the general requirement is that the signal level going out to the speaker must be 3 to 4 times or more higher than the noise level, then the sensitivity will have practical meaning. Therefore, the sensitivity is determined with the condition: the signal/noise ratio (S/n) is 3/1, 4/1.
II. SELECTION:
The wave that the radio transmits includes a wide spectrum on both sides of the carrier frequency, on the other hand, at the same time there are many radio waves that are close together. Therefore, the frequency band of this wave may overlap a part of the frequency band of the neighboring wave, which can easily cause interference when receiving radio. A radio receiver with high selectivity is less likely to interfere when working. Selectivity is calculated according to the attenuation (in decibels-dB) of the signal when the resonance is shifted by 10Khz. The larger this value, the higher the selectivity.
III. WAVE BAND:
For the receiver, the general requirement is to be able to adjust the resonance at any frequency within the operating frequency range while still ensuring the machine's specifications. Because the operating frequency range of the shortwave band is very wide, it is divided into many consecutive wave bands, so that the adjustment of the reception is easy. The more wave bands the receiver has and the wider the shortwave band, the better.
IV. NOMINAL CAPACITY:
Rated output power is the power level that sends audio frequency to the speaker. The higher the speaker output power, the louder the sound will be. Radio receivers usually have a rated output power from 250mW to a few W.
V. TROPICALIZATION:
This is a very important criterion for receivers used in hot and humid climates like ours. To tropicalize, people can spray a layer of moisture-proof plastic on the printed circuit board and the components of the transformers are soaked and sealed to protect them from moisture.

![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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