Editing such as cropping, enlarging, adding, subtracting… to create the desired object in the real world.



Figure 1.2. From left to right are the operations of moving, rotating, and scaling, each coordinate axis corresponds to a color.
The objects are then given bones (if any), surface properties (such as color, skin, hair, eyes, etc.) and movements that vividly simulate the object's real-world representations.
When working with software, we will operate on 4 different views of the object. These 4 views will allow us to see the object at different angles at the same time. The images below illustrate this very clearly:

Figure 1.3. Different views.
We have a 3-dimensional coordinate system XYZ, blue corresponds to the Y axis, red to the X axis and dark blue to the Z axis. The upper right corner is the working frame that allows us to work in 3 dimensions, the remaining 3 corners allow us to work in 3 cross-sections of the model. With the frames
This view makes it easier to work with, as a change in one view will have an effect on other views.
Besides the XYZ coordinate system, we also have the UV coordinate system, the UV coordinate system covers the surface in 2 directions: left to right and bottom to top. This coordinate system can be visualized as the longitude and latitude lines of the earth. This coordinate system is mainly used in the process of adding surface properties to the model.
1.2.1.3. Main 3D modeling techniques
Through research on different modeling software, it is shown that, in general, working in a 3D environment has the following main tasks:
- Modeling techniques : This is the part that uses modeling tools to create models and edit them as desired. From there, 3D objects are shaped;
- Character animation technique : includes operations to attach characters to a set of keys . Each key represents the position and shape of the character at different times. The movement of the character is the representation of the character at each of these key positions;
- Rendering : This is the part to assign materials to characters and create renderings;
So we can understand that modeling is the technique of creating frames for objects. We can imagine this stage as the process of creating a skeleton for a human body, then using rendering techniques to add flesh to that person, and then using animation techniques to create human movement. We can clearly understand the work of each stage through the illustrations in Figure 1.4 and Figure 1.5.
Figure 1.4. The construction frame of a ball, created after the creation step
model
Figure 1.5. The ball after the demonstration step. |
Maybe you are interested!
-
Simulating the shadowing of objects from a light source in virtual reality - 9 -
Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
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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Economic group model - operations of Vietnam Oil and Gas Group in the period 2006 - 2008 and development trends - 1 -
A Multifaceted View of Reality -
Ethical risk management in business operations of Vietnamese commercial banks - 28
With this topic, the scope of exploitation stops at learning the techniques of creating objects and rendering. So the main work often used is modeling and rendering.
There are many different methods for describing 3D objects. Depending on the specific object, we use a method that is appropriate to the properties of those types of objects. For example, to represent simple Euclidean objects such as ellipses and polyhedra, we use polygonal and quadratic surfaces. To represent surfaces of revolution and objects used to design model airplanes, gears and other technological structures, we often represent them using curves. Procedural approaches such as Fractals allow us to accurately represent objects such as clouds, grass and other natural objects.
3D mesh representation:Using wireframe modeling allows us to visualize the internal structure of a 3D model by rotating the object and selectively removing hidden lines (lines that are often invisible through cross-sectional planes).
When represented by this model, these objects are not very realistic. Therefore, techniques for shading and removing hidden lines and faces are used. This model is usually fast, so it is often used to view sketches of objects, especially in CAD systems.
A common form of polygon mesh is a series of triangles. When a polygon is described by more than three vertices, its vertices may not be coplanar. This can
can lead to calculation errors. A simple method is to divide this polygon into triangles.
Parametric smooth surface representation:In the case of really complex objects, one or more smooth surfaces are often joined together. Each component used for joining is called a patch surface.
1.2.2. Simulation in virtual reality
1.2.2.1. Overview of simulation
Traditionally, interaction with computers is done through devices such as keyboards, mice or Joystick/Trackball/Keyboard/Styplus to provide input information and use visual display blocks to receive output information from the system. With the advent of virtual reality systems, new communication methods have been developed that allow users to actively interact with computers. VR technology is currently developing rapidly in the world. Currently, in Lao PDR, VR technology is gradually gaining attention due to its strengths such as allowing the creation and visualization of big data. This is very important for applications such as urban design, emergency response, tourism, entertainment, traffic management, large-scale construction projects, and education. In these fields, interactive visualization of the model is crucial for in-depth analysis of the data set. The purpose of the system is to simulate the visual and perceptual effects of a survey over a given area. The system combines simulation techniques using 3D graphics with hardware devices.
Simulation is the process of "imitating" a real system. Current computer programs can create Simulation Models such as Simulations of technical weapons, its technical and tactical features, the ability to exploit and use in the field, and even combat operations on the virtual battlefield in real time.
Simulation can be defined as a process of creating a model (such as to describe an abstract concept) of an existing system (such as a
The study program, training, training, technical and tactical features of equipment and their capabilities in combat operations on the battlefield, the activities of soldiers of different military branches on the battlefield, the combat operations of units on the battlefield in weather, climate, terrain conditions, etc.) to identify and understand the factors controlling the system, or predict/forecast the future behavior of the system. Most systems are described qualitatively and quantitatively on the basis of random algorithms, programmed according to the principles of teaching, learning, training, and simulated exercises.
Simulation is the process of "imitating" a real system. Current computer programs can create 2D & 3D Models such as Simulations of technical weapons, its technical and tactical features, the ability to exploit and use in the field, even combat operations on the virtual battlefield in real time.
Simulation is an effective and important tool because it helps users of design methods and options (or operational plans, force utilization options, and at the same time can choose to optimize proposed solutions, maximize the capacity of officers and soldiers) and accurately evaluate the results without having to experiment on a real system (which can be costly, time-consuming, dangerous and time-consuming for preparation). It allows officers and soldiers to answer the question "What would happen if…?" about a decision without actually experiencing the results of that decision.
1.2.2.2. Simulation technology
Simulation technology is not a technology that requires very modern equipment. Normally, when training and coaching in real conditions, we have used many simulation models, such as tools, training equipment such as cut-out models, which are the first simple simulation tools to help soldiers and students understand the features, structure and through the lectures of training officers, have a basic understanding of the issues that need to be conveyed.
Simulation technology is used frequently in various fields such as: drills, combat training at the squad level, from 3-person teams to squad, platoon and higher levels through sand tables, reliefs, tactical maps, and drills of unit command boards are carried out on these sand tables, diagrams, and simulation maps.
The strong development of military science and technology, with the widespread emergence of modern weapons, has led to modern combat methods, and future war models are becoming more and more complex. The battlefield space has become multi-dimensional, with many stealthy, secret, and unexpected attacks from space, air, ground, ocean, and underwater with great destructive power, high precision, and very serious target destruction.
Faced with the extremely complex changes of modern warfare, in addition to the task of gradually modernizing the armed forces according to mission requirements, students studying national defense work need to have a deep, broad and very thorough understanding of the means of war of countries with modern military industries, a firm grasp of the types of weapons and equipment in the establishment, need to have extensive knowledge, understand us and the enemy, the capabilities of each type of weapon and equipment that can be used on the battlefield, have a high level of technical and tactical skills to be able to use conventional weapons, currently in the establishment to defeat high-tech weapons, and have the ability to command and control combat operations accurately in the modern war environment. To fulfill the above requirements, countries with modern military industries have introduced 3D simulation technology as an application technology in battlefield control. In countries with developed industries, simulation technology has been gradually applied to training, teaching and education activities, gradually bringing 3D simulation technology into the reality of the task of protecting the Fatherland.
2D-3D simulation technology has a unique development, completely different from the development of other applied technology industries.
Like software technology or exploiting and using modern technology imported from abroad, like the development of society, 3D simulation technology must be suitable for the reality of the defense and military situation of an economic environment. It can be said that the development of 3D simulation technology must be suitable for the reality of the weapons and equipment establishment, the level of science and technology of the country, and the knowledge level of society.
Therefore, the development of 3D simulation technology often starts from modeling real objects in today's stage.
1.3. Overview of fiber objects and simulation
1.3.1. Overview of fibrous objects
Objects play an important role in creating a virtual reality environment, because virtual reality is essentially a 3D environment consisting of objects (3D) arranged and arranged in a logical order according to reality and can interact and move depending on each different type of object. Objects in virtual reality can be static, dynamic and a composite of both static and dynamic objects, objects exist in many different shapes suitable for real objects, there are block-shaped objects, fibers,... In this article, the group of authors focuses on researching and proposing techniques to improve the efficiency of simulating fiber-shaped objects such as: hair, mesh, fabric,...
In practice, depending on each different object or application, the modeling and simulation of fiber objects are required at different levels of fidelity. For applications that do not require high object fidelity but require computational speed, we can model and simulate fiber objects at a coarse level, that is, images, while for applications that require high fidelity and interactive motion of the resulting model, we need to model and simulate fiber objects at a fine level, that is, we need to use a mathematical model to represent the object. This paper focuses on the study of simulation of fiber objects at a fine level using a mathematical model.
Fiber objects are usually dynamic objects such as hair, mesh, fabric, etc. Therefore, to simulate these types of objects, we must represent the
their models by mathematical models. Only then can we represent the necessary variable components for the object to interact and move such as gravity, gravity, etc. To model and simulate fibrous objects in virtual reality, many domestic and international scientists have been interested in researching and proposing many different scientific works and many proposed methods. One of the methods used is mathematical models such as Spline, Be'zier curves, etc. In particular, the NURBS (Non-Uniform Rational B-Spline) model is more commonly used. Because fibrous objects such as mesh, hair or fabric, etc. are often dynamic and local, using NURBS to represent and simulate them is appropriate. For example, the groups described by Xu et al.; Noble et al.; Anna Sokol uses generic NURBS to simulate hair fibers and their interactions and movements.


Figure 1.6. Hair simulation according to Anna Sokol
Author groups House and Breen [7], Baraff and Witkin [6], Fan and Zhu
[8] used a general NURBS model to simulate the fibers and fabric pieces, and the interactions of the fabric.





![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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