Industrial zones are established according to the conditions, order and procedures prescribed in Decree 82/2018/ND-CP. This is an area for industrial development according to a specific plan to ensure harmony and relative balance between economic - social - environmental goals. Industrial zones are licensed by the Government for investment with their own technical and legal infrastructure systems. Small-scale industrial zones are often called industrial clusters.
According to the report of the Department of Economic Zones Management (Ministry of Planning and Investment), by the end of June 2019, the whole country had 326 industrial parks established with a total natural land area of approximately 95.5 thousand hectares, of which the industrial land area reached about 65.6 thousand hectares, accounting for about 68.7%.
Of the 326 established industrial parks, 251 have come into operation with a total natural land area of about 66.2 thousand hectares and 75 industrial parks are in the compensation, site clearance and construction stages with a total area of about 29.3 thousand hectares.
The occupancy rate of operating industrial parks reached nearly 74% [18]
According to Decree 82/2018/ND-CP of the Government, an industrial park is:
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State management of wastewater in industrial parks in Dak Lak province - 16 -
State management of wastewater in industrial parks in Dak Lak province - 1 -
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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Directions for Improving State Management of Tourism Activities in Dak Nong Province -
State management of compensation, support and resettlement when the State acquires land in Buon Ho town, Dak Lak province - 12
An industrial park is an area with defined geographical boundaries, specializing in the production of industrial goods and providing services for industrial production, established according to conditions, order and procedures.
Industrial parks include many different types, including: Export processing zones, supporting industrial parks, ecological industrial parks (hereinafter referred to as Industrial Parks, except where there are separate regulations for each type).

Export processing zones are industrial zones specializing in the production of export goods, providing services for the production of export goods and export activities, established according to the conditions, order and procedures applicable to industrial zones.
Export processing zones are separated from outside areas according to regulations applicable to duty-free zones stipulated in the law on export tax and import tax;
Supporting industrial zones are industrial zones specializing in the production of supporting industrial products and providing services for the production of supporting industrial products. The land area ratio for investment projects in supporting industrial sectors to lease or sublease must be at least 60% of the industrial land area that can be leased in the industrial zone;
An eco-industrial park is an industrial park in which enterprises in the industrial park participate in cleaner production activities and use resources efficiently, and have linkages and cooperation in production to carry out industrial symbiosis activities to improve the economic, environmental and social efficiency of enterprises. [25]
According to the author, an industrial park is an area where large enterprises specializing in the production of industrial goods and industrial production services are concentrated, with a defined geographical boundary, no residents and established by the Government. An industrial park is established to promote socio-economic development at different stages of development with specific characteristics of its establishment objectives.
1.1.2. Environment
According to Wikipedia, the environment is a combination of natural and social factors surrounding the outside of a system or an individual or object. They affect this system and determine its trends and state of existence. The environment can be considered a set, of which the system under consideration is a subset. [25]
According to the Law on Environmental Protection No. 55/2014/QH13 of 2014, Section 1, Article 3:
“The environment is a system of natural and artificial material factors that affect the existence and development of humans and organisms.” [15]
Human living environment is divided into types according to function: Natural environment includes natural factors such as physics, chemistry,
Biology exists beyond human control, but is also more or less affected by humans. It is sunlight, mountains, rivers, oceans, air, animals, plants, soil, water...
The social environment is the totality of relationships between people. The social environment directs human activities within a certain framework, creating a collective strength that is favorable for development, making human life different from other creatures.
In addition, people also distinguish the concept of artificial environment, including all factors created by humans.
Environment in a broad sense is all natural and social factors necessary for human life and production, such as natural resources, air, land, water, light, landscape, social relations...
Environment in the narrow sense does not consider natural resources, but only includes natural and social factors directly related to the quality of human life.
In short, the environment is everything around us, giving us the basis for living and developing. It includes the following basic functions:
- The environment is the living space of humans and living creatures.
- The environment is the place that provides necessary resources for human life and production activities.
- The environment is a place that contains waste created by humans in their own lives and production activities.
- The environment is a place that reduces the harmful effects of nature on humans and creatures on earth.
- The environment is a place to store and provide information for people.
1.1.3. Environmental pollution
Environmental pollution is a phenomenon in which the natural environment is polluted, and the physical, chemical, and biological properties of the environment are changed, causing harm to human health and other organisms. Environmental pollution is mainly caused by human activities. In addition, pollution is also caused by a number of other natural activities that affect the environment.
Environmental pollution is the change of environmental components that is not in accordance with environmental technical regulations and environmental standards, causing adverse effects on humans and living organisms (Clause 8, Article 3 of the Law on Environmental Protection 2014). [16]
Changes in environmental components can originate from many causes, the main cause of which is pollutants. Pollutants are defined by scientists as substances or physical factors that, when present in the environment, cause environmental pollution. Usually, pollutants are waste, however, they can also appear in the form of raw materials, finished products, scrap, waste products... and are classified into the following types:
Cumulative pollutants (plastics, radioactive waste) and non-cumulative pollutants (noise);
Pollutants at the local (noise), regional (acid rain) and global (CFCs) levels;
Pollutants from identifiable sources (waste from production and business establishments) and pollutants from unidentified sources (chemicals used in agriculture);
Pollutants due to continuous emissions (Waste from production and business establishments) and pollutants due to intermittent emissions (oil spills due to oil spill accidents).
Environmental pollution changes the quality and quantity of environmental components, causing negative effects on human life and nature.
1.1.4. State management of environment
From different research perspectives, many domestic and foreign scholars have given different explanations about management. Up to now, there is still no unified definition of management. Some definitions of management are as follows:
According to Henri Fayol's management theory: "Management is an activity that every organization has, it consists of 5 elements: planning, organizing, directing, adjusting and controlling. Management is the implementation of that plan, organization, directing, adjusting and controlling" [24]
Management is the administration of an organization, whether it is a business, a nonprofit organization, or a government agency. Management includes the activities of setting an organization's strategy and coordinating the efforts of its employees (or volunteers) to accomplish its goals through the application of available resources, such as financial, natural, technological, and human resources. The term “management” can also refer to the people who manage an organization.
State management is a form of social management with state power, using state power to regulate social relations and human activities to maintain and develop social relations and legal order to perform the functions and tasks of the state. In which, management
Social psychology is the implementation of organizational functions to create the necessary conditions to achieve the goals set forth in the process of common human activities in society.
Therefore, State management is the work of the State, carried out by all State agencies, sometimes directly by the people through voting or by social organizations, social agencies if the State assigns the right to perform State functions. State management is essentially State management, carried out by the State through the State apparatus on the basis of State power to carry out the tasks and functions of the Government, which is a system of agencies established to specialize in carrying out State management activities.
State management is the organized and legal impact of the State on the national economy to make the most effective use of domestic and foreign economic resources and possible opportunities to achieve the country's economic development goals set out in the conditions of international integration and expansion.
In a broad sense, State management is carried out through all three types of State agencies: Legislative, Judicial, Executive.
In a narrow sense, state management is understood as state management activities, carried out by executive agencies.
According to Associate Professor Dr. Nguyen Duc Hoe, state management of the environment is a monitoring activity of the environmental resources sector to minimize harmful impacts on the environment caused by development activities, ensuring ecological balance for development and environmental protection.
“Environmental management is the continuous, organized and targeted impact of the environmental management subject on individuals or communities conducting development activities in the environmental system and environmental management objects, making the best use of all potentials and opportunities to achieve the proposed environmental management goals, in accordance with current laws and practices”. [19]
The object of environmental management is to manage a system including natural and artificial material elements that are closely related to each other, surrounding people and affecting the life, production, existence, and development of people and nature. The essence of environmental management is to manage development activities that regularly take place in the environmental system and have positive or negative impacts on its stable state. However, development activities are not carried out by themselves but are all carried out by people. Therefore, environmental management is to manage the behaviors of individuals and groups of people in production and living activities, and to regulate interests in a harmonious manner based on the principle of prioritizing the interests of the nation and the whole society.
Environmental management is an activity in the field of social management, which has an impact on regulating human activities based on a systematic approach and information coordination skills, on environmental issues related to humans; starting from a quantitative perspective, aiming at sustainable development and rational use of resources. Therefore, environmental management is the continuous, organized and targeted impact of the environmental management subject on individuals or communities of people conducting development activities in the environmental system and the environmental management object, making the best use of all potential opportunities to achieve the proposed environmental management goals, in accordance with current laws and practices.
State management of the environment focuses on the tasks of directing and organizing environmental protection; distributing common benefits; organizing the exploitation and optimal use of national natural resources and the environment; directing and organizing the entire population to protect the environment and coordinating international actions in the field of environmental protection.
State management of the environment is the management and protection of natural resources and the environment, international coordination in regional and global environmental protection. From a micro perspective, state management of the environment is the direction, inspection, and urging of environmental agencies at ministerial, sectoral, and local levels, production and business establishments to implement the Law on Environmental Protection and the laws on resource management, and related legal documents.
State management of industrial parks is the organized and legal impact of the State on industrial parks to ensure that industrial parks are developed according to regulations, proactively coordinating the specific goals of each enterprise to achieve economic - social - environmental goals.
State management of industrial park environment is a combination of measures; law, policy, economy, society, to protect the quality of living environment and develop industrial parks in a sustainable manner.
1.2. Environmental management for Industrial Parks
1.2.1. State management of industrial park environment
1.2.1.1. Functions of state management of industrial park environment
Environmental management has many different forms such as: state environmental management; environmental management by non-governmental organizations; community-based environmental management; voluntary environmental management... In which, state environmental management plays a decisive role. The use of natural resources can cause waste or easily lead to disputes because the amount of natural resources is limited and many types of resources are very scarce, so the State needs to organize and manage activities related to natural resources and the environment. In addition, environmental protection requires not only unity within the national scope but also unity within the regional or global scope, so the State needs to be the focal point in coordinating environmental action programs. Along with that, the state needs to adjust and manage externalities or must undertake the production and supply of public goods, which means it must also adjust and manage public goods to ensure the correct value of the product, avoiding cases where public products do not reflect their true social value. At the same time, the state is the owner of natural resources and the environment, so the management of natural resources and the environment is the responsibility of the state. Therefore, the issue of state management of the environment is clearly defined as the state, through its duties, tasks and powers, to propose appropriate measures, laws, economic, technical and social policies to protect the quality of the living environment and sustainable development.
national socio-economic stability
State management of the environment has five main functions.
- Law on environmental protection policies and strategies. This is the most important function of the five functions;
- Organize and form specialized groups and elements that make up the environmental system to orient the set goals;
- Control and coordinate activities between groups and molecules in the environmental system;
- Check and promptly detect errors in the operation process and sudden opportunities in the environmental system;
- Adjust and correct errors arising during the development process, take advantage of opportunities to promote and ensure the normal development of the operating environment system.
The State manages the environment of Industrial Parks to:
Clearly identify the subject as the state, with its responsibilities, tasks and powers, to propose appropriate measures, laws, economic, technical and social policies to protect the quality of the living environment and develop sustainable socio-economic development in localities. Overcome and prevent environmental degradation and pollution from production activities in industrial parks.
Industry, a part of the economy, is the field of production of material goods in which products are "manufactured, processed, crafted, prepared" for consumer needs or to serve the next business activities for human life in daily life. This is an economic activity, large-scale production, strongly supported by advances in technology, science and engineering. However, Industry is the industry that affects the environment the most among all other industries. The impact of industrial development on the environment and environmental protection measures. Along with that is a huge amount of waste from industrial activities that causes serious consequences for the environment. The consequences are unusual natural phenomena such as acid rain, greenhouse effect due to ozone layer breakdown... appearing more and more commonly, threatening living things on earth. Currently in our country, industrial waste has exceeded the warning level and caused consequences of water, soil and air pollution in many affected areas.



![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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