Some people think that hot salad is a modern idea, but this is not true. In the 13th century German chefs served hot potato salad. Hot salads come in two varieties:
- Mixed salad made from natural ingredients with a hot sauce, usually vinaigrette
- Simple salad or mixed salad, add warm or cooked dishes such as:
Duck liver
Warm beef fillet
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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Developing the market for essential food products of Tan Duc Trading Limited Company - 6 -
Current status of production cost accounting and pricing of food and beverage products and services at DMZ Tourism Joint Stock Company - 11 -
Financial Resources Solutions to Diversify European Tourism Products -
Solution to Diversify European Tourism Products at Viet Travel Joint Stock Company - Vietnam Tourism
Salted pork belly and fried or grilled bread
Boiled eggs

Coconut or palm tree buds.
Meat salad

Ingredient:
Cooked lean meat, pickles, cooked green beans, tomatoes, onions or shallots, vinaigrette, parsley or mixed fresh herbs.
Processing method:
- Meat, pickles, beans cut into small cubes;
- Peel and seed tomatoes, cut into squares
- Mix with remaining ingredients (blanch onions if needed)
- Season again, arrange in salad bowl
- Decorate with lettuce, pickles, tomatoes
Note: Braised or boiled meat is very suitable for this type of salad.
Chicken salad
Ingredient
- 2-3 lettuces
- 1kg cooked chicken
- 5 tomatoes
- Boiled eggs 5
- Anchovy 25d
- Olives 10 – 20
- 12g white flower
- Vinaigrette 10 tablespoons Preparation method
- Shredded lettuce arranged in salad bowl
- Cut chicken into even pieces and arrange on lettuce.
- Decorate with remaining ingredients
- Served with vinaigrette
4. Vietnamese Salad
In Vietnam, salads are called various types of salads, etc. The most commonly used types are:
Sweet and sour vegetable salad
Pickled vegetables
Sour fermented vegetables
The above Vietnamese salads can be simply vegetables, or combined with other animal ingredients such as beef, pork, chicken, pig ears, veal, clams, mussels, snails, shrimp, crab, squid, fish... often served with sweet and sour fish sauce, fried shrimp chips or grilled rice paper.
Cucumber salad
Ingredient:
Cucumber, shrimp, eggs, tomatoes, onions, lemon, chili, coriander, vinegar, oil, sugar, fried onions, pepper.
Processing method:
- Boiled shrimp, peeled
- Boiled eggs cut into round slices
- Seedless cucumber, cut into strips or wavy slices, marinate with sugar, squeeze dry
- Thinly sliced onions soaked in sugar, drained
- Seedless and julienned eggplant
- Vinegar and oil sauce: vinegar, sugar, salt, onion, coriander, chili, pepper, cooking oil to taste sweet and sour.
- Drain the ingredients and mix well with the vinegar oil sauce, season to taste.
- Arrange on a plate, arrange shrimp around, eggs, coriander, chili and tomato.
Lotus root salad with shrimp and meat

Ingredient
Pork thigh or ear, freshwater shrimp, shredded lotus root, crushed roasted peanuts, carrots, onions
West, Vietnamese coriander, cilantro, chili, garlic, salt, sugar, MSG, cooking oil, good fish sauce, vinegar, alum, lemon, fried onion and garlic.
Processing method
- Soak lotus root in alum or lemon water to whiten, drain, marinate with sugar, drain.
- Shredded or wavy carrots marinated in sugar, drained
- Thinly sliced onions
- Pick and shred the Vietnamese coriander leaves.
- Boiled meat, thinly sliced
- Boiled shrimp, peeled (leave tail)
- Salad dressing: fish sauce, salt, lemon, sugar, chili, garlic mixed together to have a rich sweet and sour taste.
- Mix all kinds of vegetables and meat with dressing, fried onion and garlic, peanuts.
- Arrange the salad on a plate, arrange some shrimp and meat on top, sprinkle with peanuts, fried onions, and chopped cilantro and chili.
Mai fish salad


Ingredient:
Fresh anchovies, good fish sauce, vinegar, Vietnamese coriander, peanuts, onions, garlic, spices, rice paper, lemon, shrimp paste, lettuce, herbs, chili, coriander
Processing method:
- Clean and drain the fish, squeeze the fish fillets apart, remove the bones.
- Put the fish in a bowl, pour vinegar over the fish, soak for 15 minutes.
- Wash and drain Vietnamese coriander.
- Chopped onion and garlic, fried until golden brown
- Mix vinegar, sugar, fried onion and garlic, salt, and MSG to taste.
- Remove the fish to dry, mix with sweet and sour sauce
- Arrange on a plate, sprinkle with peanuts, chopped Vietnamese coriander, chillies, and cilantro.
- This dish is eaten with rice paper rolls with herbs, dipped in shrimp paste mixed with lemon, garlic, chili and sugar.
Kohlrabi salad
Ingredient
- Good quality kohlrabi: 600g
- Carrots: 100g
- Peanuts, sesame, coriander, Vietnamese balm, Hanoi basil, vinegar, sugar, garlic. Processing method
Thinly slice kohlrabi, rub with salt, wash and squeeze out the water. Thinly slice carrots. Finely chop basil, coriander, and Vietnamese balm.
Take the broth and mix the dressing with 6 tablespoons of vinegar and 4 teaspoons of sugar. Use the dressing to mix the kohlrabi and other vegetables. Arrange the salad on a plate, sprinkle with crushed peanuts and sesame seeds on top.
Pickled cucumber
Ingredients: Hue pickled onions without leaves, wood ash, vinegar, white sugar, carrots, white radish, sliced or shredded chili
Processing method
- Mix pickled onions with wood ash and water for 48 hours
- Take out the shallots, rinse off the ash, pick out the silk skin and roots;
- Dry in the sun for a day
- Soak pickled onions in vinegar for 5-7 days
- Pour out, wash and dry for a day
- New vinegar, dissolved sugar (sweet and sour taste)
- Mix well the shallots, carrots, radishes, and chili peppers, then place them in a jar and soak for 4-5 days before eating.
Note: You can replace the ash with salt, soak in salt water with a ratio of 1 liter of water and 50g of salt for 24 hours, remove and clean, soak in lime water for 3 hours, rinse, dry and then soak in vinegar as above.
Cucumber

Ingredients: Bean sprouts, carrots, chives, salt, sugar, lemon. Preparation method:
- Clean and processed vegetables
- Chopped chives, shredded carrots
- Boil water, add a little salt and sugar, let cool.
- Put the vegetables in a clean jar, add salt water, use a plastic bag to hold water or banana leaves to press the vegetables to cover with water, cover tightly.
- Leave the pickles for about 8 hours before using. High temperature and light salt water will make them sour quickly. If you want them to sour quickly, add a little lemon juice and leave for about 4 hours before using.
Pickles (pickles or sweet and sour)


Ingredient
- Green papaya
- Carrot
- White radish
- Green bell pepper
- Celery
- Kohlrabi
- Cauliflower
- Garlic
- Road
- Vinegar (measure sugar and vinegar in a 2:1 ratio, that is 2 cups of sugar to 1 cup of vinegar) Preparation method
- Cut celery diagonally, and carve all the other types into flowers, cut into florets, or cut into any shape.
- Shake well and wash with salt water to clean, drain and put in a clean glass jar.
- Mix sugar + vinegar in a 2:1 ratio (2 sugar, 1 vinegar) and bring to a boil, stirring until the sugar dissolves (or a ratio of 1 vinegar, 1 sugar, and 3 cold water if you don't have garlic).
- Pour the vinegar and sugar water into a glass jar and leave it open for 24 hours to cool.
- Put it in the refrigerator, it will be very crispy and delicious when eaten.
- Scoop the pickles onto a plate, can be eaten with "Braised Pork in Dong" or "Pork in Fish Sauce" or eaten with Banh Tet and Banh Chung or Nem Tre during Tet holidays.
QUESTIONS AND EXERCISES.
1. Make a Vietnamese style mixed salad
2. If possible, look at a restaurant or hotel menu. List all the salads on the menu. Identify which group they belong to, then list the ingredients used in each salad.
3. Use the library or research books and magazines to examine the role that salads play in the daily diet of Vietnamese people. Make a list of the most popular salads among Vietnamese people. Determine if there are any differences in salads between regions.
Target:
CHAPTER IV
BREAD AND PASTRY
Equip learners with knowledge of basic baked goods and pastries, sauces, dessert creams, ingredients and explain terminology related to baking.
I. EUROPEAN-STYLE BAKED PASTRY AND PASTRY PRODUCTS
Desserts are the last course on the menu so they have to be delicious to satisfy the expectations and needs of the guests. Usually the preparation of desserts is the responsibility of the pastry department, which is usually the largest department in the kitchen.
However, there is a growing demand for products with reduced fat and sugar content as more people seek a healthier lifestyle. Chefs are responding by modifying recipes to reduce fat and sugar. Alternative ingredients, such as low-calorie sweeteners or unsaturated fats, may also be used.
1. Pastry types
1.1. Short pastry
This sheet is often used to make savory dishes such as pies and quiches.

Short pastry
Ingredient:
- 500g flour
- Butter or margarine 250g
- Salt
- Water 150ml
- 2 egg yolks
Processing method:
- Butter cut into small pieces
- Mix flour, salt and butter until fluffy.
- Add water, eggs
- Mix into a soft dough
- Seal and refrigerate, use when needed.
1.2. Puff pastry drying canvas
Pastry has many uses and is the most commonly used pastry in the kitchen. It is often used as a crispy coating for sweet and savory pastries.
For example:
- Mille-feuille cake, made from layers of dried canvas, filled with Chantilly cream and strawberries.


- Beef Wellington: Beef fillet stuffed with DUXELLE filling, wrapped in a canvas to dry.


- Volume – au- vent


DUXELLE : Onions, mushrooms and ham are chopped, sauteed in butter and then white wine and demi-glace sauce are added to create a bond. Bring to a boil and simmer for 5 minutes.
Puff pastry drying mat Ingredients:
- 500g flour
- Salt

![Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
zt2a3ge
zc2o3n4t5e6n7ts
At that time, the Branch had to set aside a provision for credit risks, which reduced the Branchs income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giangs profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project Restructuring the system of credit institutions in the period 2011-2015 approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services.
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giangs products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Ministers Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giangs treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giangs income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giangs corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giangs card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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