LIST OF TABLES
Page | |
Table 2.1: Table of administrative units, area and population of Can Tho city | 30 |
Table 2.2: Labor structure in the tourism industry from 2007 - 2010 | 60 |
Table 2.3: Summary of number of tourists to Can Tho from 2006 - 2010 | 66 |
Table 2.4: Number of tourists to Can Tho from 2006 - 2010 | 67 |
Table 2.5: Number of visitors staying in Can Tho from 2006 - 2010 | 68 |
Table 2.6: Number of visitors to Can Tho in 2010 compared to some neighboring provinces | 69 |
Table 2.7: Number of visitors at the beginning and end of the week at 4 typical eco-tourism areas in Can Tho city | 70 |
Table 2.8: Summary of tourism revenue of Can Tho from 2006 - 2010 | 71 |
Table 2.9: Price of the tour program "Visiting the Western Capital" | 87 |
Table 3.1: Forecast of tourists to Can Tho in the period 2015 - 2020 | 104 |
Table 3.2: Forecast of tourism income of Can Tho in the period 2015 - 2020 | 105 |
Maybe you are interested!
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Current Status of Ecotourism Development in Can Tho City -
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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Recruitment of civil servants at the People's Committee of Luc Nam district, Bac Giang province - Current situation and solutions - 9 -
Managing sex education activities for students at Nong Trang secondary school, Viet Tri city, Phu Tho province in the current context - 19 -
Current Status of Testing and Evaluating Children's Rights and Duties Education Through Experiential Activities at Secondary Schools in Hung Yen City,

LIST OF DRAWINGS, MAPS, CHARTS
Page | |
Figure 1.1: Ecotourism structure diagram | 12 |
Figure 2.1: Kaypa on the Hau River | 39 |
Figure 2.2: Phong Dien floating market | 41 |
Figure 2.3: Aunt Muoi Xiem's pancakes at Phu Sa eco-tourism | 89 |
Figure 2.4: "Four Seasons" dish at Phu Sa eco-tourism | 89 |
Map 2.1: Administrative map of Can Tho city | 28 |
Map 2.2: Can Tho city tourist map | 63 |
Chart 2.1: Chart of tourist arrivals to Can Tho from 2006 - 2010 | 67 |
Chart 2.2: Chart of number of guests staying in Can Tho from 2006 - 2010 | 68 |
Chart 2.3: Comparison of tourist arrivals to Can Tho and some neighboring provinces in 2010 | 69 |
Chart 2.4: Chart of total tourism revenue of Can Tho from 2006 - 2010 | 72 |
1. Reason for choosing the topic
INTRODUCTION
In the current trend, along with the development of economic sectors, tourism has gradually become an important industry, holding a key position in bringing economic - social and environmental efficiency in many countries around the world as well as in Vietnam in general and Can Tho city in particular.
Can Tho is a centrally-governed city and also the center of the Mekong Delta. The city has always been a leader in the economic, educational, cultural and social fields of the entire region. Not only has it demonstrated its central role, in recent years Can Tho has also been known as an attractive tourist center for both domestic and foreign tourists. Taking advantage of its existing strengths in natural and human resources, labor resources, infrastructure and technical facilities, Can Tho has strongly developed eco-tourism, which is a fairly popular type of tourism in Can Tho in recent times. With many favorable conditions and unique characteristics, it has made many strides and achieved significant results in this field, contributing positively to the economic development of Can Tho. Besides the strengths that have been exploited, Can Tho ecotourism still has many untapped potentials as well as many limitations, sometimes overlapping in the process of developing ecotourism types with other provinces in the region, not creating a unique feature for Can Tho ecotourism, sometimes creating boredom for tourists. Given the above situation, I decided to choose the topic: "Ecotourism in Can Tho City - Current situation and solutions" as my graduation thesis.
2. Research history of the topic
Nowadays, when the scientific and technological revolution develops strongly, industrial civilization expands globally, the living environment changes, the human demand for tourism also changes. People want to return to nature, immerse themselves in nature, want to go to nature reserves, cultural villages, and historical sites.
historical relics as well as unique cultural features... Since then, ecotourism has become increasingly popular, creating the basis for research projects on ecotourism.
In the world , research programs on ecotourism have become very popular in recent years. Research projects on ecotourism by the United Nations Environment Program (1979), the Ecotourism Association (1992), and the World Tourism Organization (WTO 1994). In particular, 2002 was the year of international ecotourism with the World Summit on Ecotourism held in Quebec City, Canada. This conference was an initiative of the WTO and the United Nations Environment Program (UNEP). Typical are research projects on the theoretical basis of ecotourism development by Wright (1993), Glaser (1996), and Holden (1999). The above research topics on ecotourism are an important basis for the assessment, exploitation, management, and orientation of ecotourism development. In Vietnam , ecotourism is a relatively new concept but has received much attention recently. The issue of exploiting ecotourism aims at conservation and sustainable development, while improving the lives of local people, in which environmental education is a fundamental factor. In recent years, international tourists often target tropical countries with the aim of returning to nature. In 1995, the Vietnam Institute for Tourism Development Research carried out the topic "Current status and orientations for planning tourism development in the Mekong Delta", this study based on tourism potential proposed types of tourism in the Mekong Delta such as: river tourism, garden tours, entertainment and coastal tourism,... In 1998, the research work of Phan Huy Xu and Tran Van Thanh on "Evaluation of natural tourism resources and orientation for exploiting ecotourism in the Mekong Delta", this work built a scientific basis for designing routes and ecotourism clusters in the Mekong Delta. In 2000, the scientific article on "Orientation for planning natural ecotourism in the Mekong Delta" by Tran Van Thanh and Pham Thi Ngoc investigated and supplemented 8 natural ecotourism sites, designed 13 routes, 5 natural ecotourism clusters
Mekong Delta. In 2002, Associate Professor, Dr. Pham Trung Luong with the research work "Ecotourism: theoretical issues and practical development in Vietnam" mentioned the theoretical issues of ecotourism as well as evaluated the potential for ecotourism development in Vietnam. In addition, there are many other research works: Tram Chim National Park (1999), Phu Quoc (2001), U Minh Thuong (2001).
In Can Tho , ecotourism has been given attention with specific projects: Phu Sa tourism development project phase 2 (2010-2020) of Can Tho Department of Culture - Sports and Tourism with an investment capital of more than 30 billion VND, the Mekong - Can Tho National Tourism Year 2008 was also held here with the theme: "The Mekong River Garden" which took place grandly, imbued with the historical culture and traditions of the Southern region, introducing the development potential of Can Tho city and the Mekong Delta region.
The work "The Mekong Delta, the land of people" by author Tran Van Quang has depicted the hidden beauty of the Mekong Delta and the cultural characteristics of the people here, looking back at the overall picture of the tourism system of Can Tho city.
In the book "Floating Markets of the Mekong Delta" by Nham Hung, he outlined floating markets, the unique features in the lifestyle of people living on the river, especially in those typical floating markets, he mentioned Cai Rang - Can Tho floating market, one of the markets that develops an effective and typical type of eco-tourism in the region.
The work “Can Tho River Culture” by Tran Van Nam has generalized the spiritual culture, material culture, and cuisine of Can Tho. Or in the work “Can Tho past and present” also by author Tran Van Nam wrote about the formation process of Can Tho such as: history, geography, historical figures, relics, anecdotes, cultural arts, religious activities, and craft village activities.
3. Objectives and research tasks of the topic
3.1. Objectives of the topic
The topic focuses on studying the development of ecotourism in Can Tho city, in which it delves into the potential and current status of ecotourism development in Can Tho, on that basis, it proposes orientations and solutions for sustainable ecotourism development in Can Tho city.
3.2. Research tasks of the topic
On the basis of selecting theoretical issues on tourism and ecotourism as a basis for implementing the topic, evaluating the potential of ecotourism in Can Tho city. Analyzing the current status of ecotourism development in Can Tho city, proposing orientations and solutions for developing ecotourism in Can Tho city in the future, in order to promote the potential of ecotourism in the city.
4. Limitations and scope of the research topic
Based on the practice of ecotourism development in Can Tho city, the research scope of the topic mainly focuses on the following contents:
- Theoretical basis of tourism and ecotourism
- Current status of ecotourism development in Can Tho city
- Orientation and solutions for sustainable ecotourism development in Can Tho city
Verse
In terms of territory, the topic is mainly researched in Can Tho city.
Poetry, focusing on typical eco-tourism areas of the city, besides also exploring the relationship with other provinces in the Mekong Delta region, especially the provinces adjacent to Can Tho city.
5. Research viewpoints and methods of the topic
5.1. Research perspective
- Synthetic perspective: this is a perspective that aims to comprehensively study all factors affecting Can Tho ecotourism, study the impact relationship of natural conditions, tourism resources, socio-economic factors and their fluctuations on Can Tho ecotourism, from which it is possible to make recommendations.
Orientation and solutions to develop Can Tho ecotourism in a reasonable and effective way.
- Historical perspective: in the research process, it is necessary to pay attention to the historical origin of the research topic, thereby explaining the formation and development of the topic, specifically here, considering the development of Can Tho ecotourism in the past, the current development status and proposing development orientations in the future.
- Ecological perspective: the nature of ecotourism is based on the natural environment, in the research process, we must pay close attention to the interaction between tourism activities and the ecological environment. We must comprehensively consider the impact of the environment on ecotourism activities and the influence of tourism activities on the ecological environment. We must forecast the risks and harms that tourism activities can cause to the environment in order to have measures to protect the environment to ensure the development of Can Tho ecotourism activities.
- Perspectives on sustainable tourism development: sustainable tourism is often considered equal to ecotourism. However, in the research process, sustainable tourism must be considered to have a broader meaning than protecting the natural environment, which is to consider in the most reasonable and satisfactory way the factors of people, communities, culture, customs, lifestyle, etc. to ensure tourism development both in the present and the future.
5.2. Research methods
During the implementation of the topic, the following research methods were used:
- Comparative synthesis evaluation method: in most of the available documents are related to the issue of Can Tho ecotourism, most of the documents are very broad and difficult to obtain specifically for a research topic, so based on these documents, analyze, synthesize, compare and draw out what is necessary and important for the topic, rearrange in a scientific and logical order.
- Statistical and chart methods: when collecting documents related to tourism in general and Can Tho ecotourism in particular, the source of documents is very diverse and rich.
Therefore, this method helps to select, process and set up a system to serve the research. Information and data sources are collected from many sources: statistical agencies, books, scientific research articles, the internet, etc. to ensure a sufficient and accurate amount of information to meet the research topic. In addition, the chart method is also used, based on statistical data sources to build charts, showing numbers in an intuitive, vivid way, making it easy to see the problem and also to illustrate the problem.
- Cartographic method: this is a traditional research method in Geography, reflecting spatial characteristics, distribution of tourism resources, infrastructure, technical facilities serving tourism. Using maps showing terrain, soil, administration to tourism and economic maps of Can Tho, is the basis for analyzing and discovering the operating rules of the tourism territory system, on that basis, giving directions for development and organization of tourism activities in the future.
- Field method: this is a necessary method for a study on ecotourism in a specific area, besides that it can be combined with the sociological investigation method to study the needs of tourists, grasp the preferences of tourists through the form of interviews and surveys. This method helps to grasp the potential market, the target market, grasp the aspirations not only of tourists but also of those working in tourism services and tourism management.
In addition, many methods are used: discussion, interviewing teachers and friends, using geographic software to create the necessary maps.
6. Thesis structure
In addition to the introduction and conclusion, the main content of the thesis includes 3 chapters:
- Chapter 1: Theoretical basis of tourism and ecotourism.
- Chapter 2: Current status of ecotourism development in Can Tho city.
- Chapter 3: Orientation and solutions for sustainable ecotourism development in Can Tho city.


![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 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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