shows the objective requirements for the qualities and management capacity of managers at all levels in intermediate police schools, especially the Board of Directors and leaders of departments.
Most managers, teachers and students when asked for their opinions all said that
to improve quality and efficiency
QLDT in
Police secondary schools
According to the DBCL approach, school managers at all levels must be pioneers in innovating educational thinking, firmly grasping and deeply understanding
Identify training objectives, programs, and content, and know how to conduct training activities scientifically and effectively.
religion, organization
function
Content: Impact of the world and domestic situation on the work of building the People's Public Security force and education and training work in the People's Public Security ranked 3rd.
with an average score of X = 3.31, it is considered to have a fairly strong impact on
Training management in intermediate police schools according to the DBCL approach. Contents: Impact from the school's management culture and ensuring conditions; Impact from the organizational situation, apparatus, personnel work of the Ministry of Public Security and the relationship between intermediate police schools and functional units of the Ministry, academies, and universities of the People's Public Security; police of units, localities and with the government.
local authority where the school is stationed during the training organization process
4th and 5th in the rankings with average scores of: and X = 3.01 respectively.
X = 3.10
Communicate directly with managers, teachers and students about the level of impact.
Regarding the impact of factors on training quality in intermediate police schools according to the DBCL approach, they also affirmed that the most important factor is the factor
belong to the educational and training goals and requirements of schools and agencies
Management requires managers at all levels in the school to have good qualities and abilities to scientifically organize training activities.
The above comments of managers, teachers and students on the level of impact of factors on training management in intermediate police schools require managers at all levels to comprehensively consider the impact factors to have appropriate management impacts to continuously improve the quality and effectiveness of training management in intermediate police schools according to the approach to quality assurance.
3.5. General assessment of the current situation and causes of the current management situation
Training theory at People's Police intermediate schools according to the approach
Quality Assurance
3.5.1. Assessing strengths, weaknesses, opportunities, and challenges to training management at People's Police intermediate schools through SWOT analysis
Based on the results
survey the situation, can
assess strengths,
Weaknesses as well as opportunities and challenges to training management at police secondary schools through SWOT analysis: Strengths, Weaknesses, Opportunities, Threats as follows:
Strengths
Weaknesses | |
Police secondary schools | Educational and training activities in |
belonging to the system of police schools, | Police secondary schools must |
under the direct leadership of the whole | comply with regulations, |
representative of the Central Public Security Party Committee | guidance from the regulatory authority |
Central Committee, leaders of the Ministry of Public Security and always | on so there is often a delay. |
received from leaders at all levels and agencies | Review and adjustment activities |
management cares, invests in everything | output standards, objectives, content, |
face. Education and training work in | training programs in schools |
Police secondary schools are | Intermediate level of police has not been implemented yet. |
unified implementation according to the system | regular, not updated, |
State management documents, Ministry | supplement closely follow the practical work |
Police and school. | ensure security and order at the police station |
Maybe you are interested!
-
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 Branch's income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giang's profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project "Restructuring the system of credit institutions in the period 2011-2015" approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: "Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services".
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giang's products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Minister's Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers' cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giang's treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giang's income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giang's corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giang's card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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Recruitment of civil servants at the People's Committee of Luc Nam district, Bac Giang province - Current situation and solutions - 9 -
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General Assessment of the Current Situation of Public Investment Capital Management at the Ministry of Health in the Period 2016 - 2020 -
General Assessment and Causes of the Current Situation of Management of Training Activities for Homeroom Teachers at High Schools in Binh Minh Town,

Training program and content
units, localities; leading standards | |
by industry, major in the | out is still formal, not focused |
Police College was built | focus on security factors |
construction has been clearly defined according to the processes | output standard |
training level in police schools. | Some training content of |
Police secondary schools have organized | specialized, specific fields |
scientifically constructed, | police service not yet met |
training plan feasibility. Objective | be subject to rapid change |
training has been determined by the school | situation and requirements, tasks of |
and thoroughly understand for managers, teachers and | police force |
students, basis, scientific basis | Admission quality remains |
for training | limitations. And the learning situation |
Recruitment has been planned. | pills do not meet health standards |
birth. System of regulatory documents | healthy when entering school or have |
regulations and instructions on recruitment | face not meeting the target, love |
increasingly perfect life. Activity | training needs |
Admissions activities ensure fairness | Structure of management staff and teachers |
open, transparent, limit the standards | unreasonable after the waxing schools |
extreme in recruitment | Import. Managers and teachers have not yet |
Education and training management agency | meet the standards of title and function |
Managers at all levels have paid attention to compensation. | management force, pedagogical skills |
advanced knowledge and skills | Practical knowledge of some teachers |
capacity for staff and teachers in the house | teachers, especially vocational teachers, |
school, has a training plan, | not met the requirements |
select training content, | Teaching methods in some |
help managers and teachers | teachers are slow to innovate, not yet |
stop improving capacity and level. | promote active learning |
Determination of responsibilities and tasks | of students. |
for each department, individual in training is quite good.
Police intermediate schools have implemented good policies for students, considering it a lever to improve teaching quality.
Schools maintain contact with students after graduation.
The training process in the Police Intermediate Schools has the participation of the police of units and localities, from building output standards, training programs, compiling textbooks, teaching materials, practical reports, receiving graduated interns, participating in providing feedback on the school's training process, receiving rotating staff and teachers, conducting practical research, etc. The Police Intermediate Schools maintain close relationships with the police of units and localities to help the school's training process be closely linked to practice, updating practical knowledge for the teaching staff.
graduates continue to school
Training to improve the qualifications of managers and teachers has been carried out but it is seasonal and not systematic, so the effectiveness is not high; there are no specific measures or sanctions to direct managers, teachers and students to improve their capacity and qualifications. There are still shortcomings in the organization of teaching activities. There are no specific measures to guide and inspect teachers in teaching activities. The organization of teaching in some professional subjects is not really scientific, not closely following the objectives and training requirements. The self-study and self-training movement of students is not really widespread, only focusing on a few active individuals and on a few subjects; there are no effective solutions to improve the quality and effectiveness of self-study and self-training of students, there is still a group of students with average thinking. Forms of testing and evaluation student learning outcomes |
Quick access and response to the work requirements of police units and localities.
not really suitable. The new exam content focuses on testing and evaluating knowledge, not paying attention to evaluating skills in solving real-life situations. Monitoring and evaluation of training quality are not systematic and systematic. The team of specialized staff in charge of testing and ensuring training quality still cannot meet the requirements of innovation and improvement. high quality for this work. | |
Opportunities | Threats |
The globalization process has contributed to | World political and security situation |
modernize education, connect | The world and the region continue to have |
Vietnamese education, including education | developments contain many unpredictable factors |
Public Security Education with World Education | unpredictable. Security risks |
world, towards standards | security, sovereignty disputes at sea |
general, universal, from | Winter, crime situation evolves |
that creates people with thinking | very complicated,…putting new requirements |
global minded, collaborative, | on the quality of training in schools |
work in international environment | Intermediate level of the People's Public Security Forces, to meet the mission |
Expanding the scale of training and | security and order service |
restructuring the school system | Industrial Revolution 4.0 |
Intermediate CAND, along with push | is posing for secondary schools |
strong integration and cooperation in the field | CAND tasks and requirements |
The training sector has increased learning opportunities. | application of information technology in training |
for students to be more comprehensive in both, | creation and management, and at the same time requires |
professional knowledge and skills
special direction and supervision of the leader | |
many different levels | school leaders and managers |
Today's socio-economic situation of the country | levels |
The country is increasingly developing, life | Ministry of Public Security restructured and reorganized |
The team of managers and teachers are also | training institutions have set out |
one side enhancement facilitates | new issues about training links, about |
teachers are wholehearted in teaching | classify training levels, |
study, on the other hand the impact of the | professional subjects and requirements |
contrary to the market economy | new to QLGD |
for a part of managers and teachers | New and increasing demands |
and students value material values | of education and training in general and |
material, disregarding spiritual values,... have | education and training for the workforce |
affecting the quality of education, | CAND in particular, currently requires |
negative impact on the environment | Managers and teachers must make efforts and |
violation | Regular study to improve |
Ministry of Public Security, Ministry of Education and Training | level. |
created directive documents, | There is no consensus or guidance. |
training facilitation guide | specific on training and management in the |
and training management in secondary schools | Police College according to approach |
police level | DBCL. |
The Ministry of Public Security has organized many classes. | Some management mechanisms and policies |
training, knowledge and | still many shortcomings, not created |
teaching and management skills for | synchronization in implementation. |
Managers and teachers, this is an opportunity for you. | Currently funding for purchasing facilities |
Managers and teachers of secondary schools | facilities, technical means |
CAND level to improve all levels | teaching in secondary schools |
face. | CAND has not met the requirements |
Students' learning motivation | of educational practice. |
Police College is increasingly
be lifted
3.5.2. Causes of advantages and limitations
3.5.2.1. Advantages
Firstly , the close direction of the Ministry of Public Security and the tight leadership of the Party Committee and the Board of Directors of the People's Public Security Secondary Schools .
The Ministry of Public Security always pays attention to education and training at the People's Public Security Colleges, and has issued legal documents on training organization and training management at the People's Public Security Colleges. This is the legal basis and scientific basis for schools to organize training and training management according to the DBQ approach.
Based on the direction of the Ministry of Public Security, the Police Colleges have organized training courses for managers and teachers on knowledge and skills in organizing training and managing training according to the DBQ approach. The Party Committee and the Board of Directors of the Police Colleges have had many policies and measures to closely lead and direct training activities and manage training according to the DBQ approach.
Second , the qualifications and capacity of managers and teachers of intermediate police schools basically meet the requirements of current education.
The management team has a firm ideological stance and good moral qualities.
good moral, qualified
professional
qualified, responsible
highly responsible and proactive in school management activities.
The staff of the school's functional units have advised the Party.
Committee, Board of Directors to build plan
management plan suitable for reality
home
school and make timely and correct management decisions, organize reasonable and scientific management activities.
Most teachers at the Police Secondary Schools receive basic training.
right major, love the job, highly qualified, professional
good crime. Owner
active, positive, self
professional development
Subject and pedagogical ability, successfully complete teaching tasks, scientific research and other assigned tasks.
Third , students have good motivation and attitude towards learning.
Most of the students of the People's Public Security Secondary Schools are carefully selected and have undergone training as conscripts. Some students are conscripts who have been transferred to professional positions and have undergone professional activities. Most of the students have the right motivation, attitude and learning goals, are positive, proactive and self-disciplined in studying and practicing according to the established training objectives.
3.5.2.2. Causes of limitations
* Subjective causes
One
is, unit
School functions (Training Management Department)
Not proactively and regularly advising and proposing to school leaders and coordinating with faculties, police units and localities to review training programs and content and develop and adjust output standards of industries.
training major;
Ministry officials
untested, undirected
timely guide schools to seriously implement this content.
Police intermediate schools and police units and localities have not been proactive and active in signing and implementing coordination regulations in organizing training (building programs, training content, output standards, compiling textbooks, teaching materials, practice, graduation internships, etc.).
Second , the police of some units and localities have not seriously implemented the regulations on recruitment of the Ministry of Public Security. Instructions of the agency

![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 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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