minimum so that employers have a basis to arrange work suitable to the health of employees. In addition, employees also have the right to be trained, instructed and informed about regulations and safe working measures, avoiding risks of occupational accidents.
Article 152 of the Labor Code stipulates:
2. Every year, employers must organize periodic health check-ups for employees, including apprentices and trainees; female employees must have gynecological examinations; employees doing heavy or hazardous work, employees with disabilities, employees who are minors, and employees who are elderly must have health check-ups at least once every 6 months[2].
The purpose of health check-ups is to promptly detect occupational diseases for workers so that they can be treated properly and transferred to other more suitable jobs to ensure the health of workers. When workers have occupational diseases, they will be treated and all costs will be paid by the employer.
In case of a work accident or occupational accident, the employee will be paid all costs from first aid, emergency care to completion of treatment. If after treatment, the employee's ability to work is reduced, compensation will be paid. Article 145 of the Labor Code stipulates:
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-
Ensuring Fairness in Reasonable Regulation of Tax Paying Ability -
Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
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zt2a3gsnon-credit services, joint stock commercial bank
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At that time, the Branch had to set aside a provision for credit risks, which reduced the Branch's income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giang's profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project "Restructuring the system of credit institutions in the period 2011-2015" approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: "Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services".
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giang's products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Minister's Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers' cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giang's treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giang's income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giang's corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giang's card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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Adjusting Loan Policies Reasonable To Encourage And Facilitate Meeting Students' Learning Needs -
Skills for Working with Text Channels and Combining Image Channels -
Working Principle Diagram Of Continuous Butter Making Equipment
3. Employees who suffer from work-related accidents or occupational diseases that are not the employee's fault and whose working capacity is reduced by 5% or more shall be compensated by the employer at the following levels: a) at least 1.5 months' salary according to the labor contract if their working capacity is reduced by 5.0% to 10%, then for every 0.1% increase, an additional 0.4 months' salary according to the labor contract if their working capacity is reduced by 11% to 80%; b) At least 30
Monthly salary according to the labor contract for employees with a reduced working capacity of 81% or more or for relatives of employees who die due to work-related accidents[2].

2.3.2. Ensure through the regulation of reasonable working and resting hours
Second, employees have the right to work and rest reasonably to ensure their health, life, dignity... when participating in labor relations.
In order to maximize the use of labor, workers often tend to extend working hours and reduce rest time, which not only affects their health but also affects other needs of workers. That is why labor laws have regulations on working hours and rest time for workers. According to the provisions of the Labor Code, the working hours of any worker shall not exceed eight hours a day or forty-eight hours a week, if working overtime, it shall not exceed four hours a day, 200 hours a year. Each week, workers
Workers are entitled to at least one day off (24 hours). Workers
work
8 hours
continuously
yes
half an hour off , counted as working hours ; night shift worker
then get at least 12 hours off before moving on to another shift . Each week, the person
Lao Don
g ok
at least 1 day (24 consecutive hours) . Each worker
g ok
Full paid leave on holidays in the year (8 days). If the holidays coincide with weekly days off, employees will be given compensatory leave.
the following day. As in the case
laborer
g ok
leave work
3 days,
Cloud
The original salary is when : Marriage, parents (husband's and wife 's side )
dead or
wife, husband, children died . Laborer
g ok
think one
day of the week
full salary in case
married child . laborer
g can relax
agree
with the user
g lao don
g to think about it like that
other than
receive salary. In addition, workers
g ok
annual leave : for
laborer
work
under condition
The incubation period is 12 days , but the person
Lao Don
do work
reader
two years old
is 14 days, 16 days for humans
do particularly hazardous work, hard work
(Article 111 of the Labor Code)
g). Here
are considered solutions to help limit labor exploitation and ensure workers' rights in accordance with socio-economic development.
The law stipulates in detail as above, however, in practice it is very difficult for migrant workers. Typically, workers working in foreign-invested enterprises have working hours much longer than the regulations. Many enterprises violate labor laws on working hours and rest time, cases of overtime, overtime and violations of labor laws on working hours, rest time in enterprises mainly occur with workers directly involved in production, manual or simple labor.
Reality shows that most workers in foreign-invested enterprises have to work overtime compared to the regulations of the Labor Code. Cases of having to work overtime, overtime, violations of the law on working time and rest in enterprises mainly occur with direct production workers, female workers, and manual workers. The rate of workers having to work overtime, extra shifts is highest in enterprises with investment capital from Korea, Taiwan, and Singapore. There are some enterprises where workers have to work 12-16 hours/day, exceeding the overtime working time by 500-600 hours/year without the agreement of the workers. In addition, the situation of working a lot, eating poorly, many workers are gambling with their health and lives. Survey data from the Department of Employment shows that the group of workers migrating to urban areas and industrial zones has an average working hours/week of 57.8 hours. “ In the context of economic difficulties, with low wages, workers are forced to “voluntarily” work overtime and increase the number of hours.
work to earn more income. Long working hours and poor living conditions seriously affect workers' health" [18]. Many businesses also cut costs, including cutting costs for workers' meals. Migrant workers in general, especially freelance workers and workers working in industrial zones, will often face health risks and working conditions.
2.3.3. Ensure safe and hygienic working conditions
Third, workers have the right to work in safe and hygienic conditions to ensure their health, life, dignity... when participating in labor relations.
In all production activities, means of labor and working environment are factors that directly affect workers, whether beneficial or detrimental. With the goal of protecting workers from the effects of harmful and dangerous factors and creating favorable working conditions to ensure workers' health, improve productivity and product quality, contributing to promoting the overall development of the country, ensuring occupational safety and hygiene is a major socio-economic policy of the Party and State, an important part, an inseparable part of the socio-economic development strategy of our country. The content of occupational safety and hygiene is to protect health, improve working conditions, prevent accidents and occupational diseases for workers. Implementing occupational safety and hygiene well to ensure the health and life of workers, contributes significantly to the development of production and social life. Ensuring occupational safety and hygiene includes:
First, ensure standards of labor safety and hygiene.
Ensuring occupational safety and hygiene is a common responsibility of organizations and individuals when hiring workers to create and ensure a safe working environment.
safe work for workers. Employers are responsible for complying with occupational safety and hygiene requirements throughout the entire production process such as construction and renovation of facilities, use and transportation of machinery that must ensure occupational safety and hygiene standards. Ensure that the workplace meets standards to avoid the risk of occupational accidents and prevent occupational diseases for workers.
Clause 2, Article 140 of the 2012 Labor Code stipulates: “Employees have the right to refuse work and leave the workplace; Trade unions also have the right to suspend production if they clearly see risks that do not ensure the safety of workers' lives and health” [2].
In addition to being guaranteed safe and hygienic working conditions, workers are also equipped with personal protective equipment to use when working in conditions with hazardous and toxic factors (Article 149 of the Labor Code).
Second, examine and take care of workers' health and arrange jobs suitable for workers' health.
Before recruiting workers, workers must have a health certificate to work. This is a condition and a basis for employers to assign work to workers. In particular, there are regulations on health care for workers, periodic health check-ups, health check-ups to detect occupational diseases early, and health assessments for workers who have occupational accidents or diseases.
Third, organize occupational safety and hygiene training for workers. Organize first aid, treatment, and subsidies for workers who have occupational accidents and diseases.
Work accidents cause great loss of life and property as well as mental loss that is difficult to compensate for for many families and society.
society, and at the same time affect the health and life of the community. Once ensuring occupational safety and hygiene becomes a regular activity, programs to solve occupational safety and hygiene problems will achieve the expected results and actively contribute to protecting and caring for the health of workers as well as the development of society.
In fact, ensuring health rights through occupational safety and hygiene regulations for migrant workers has not yet received much attention. Currently, many units and businesses still take occupational safety and hygiene lightly, not really seeing the benefits and importance of ensuring occupational safety and hygiene. It is a sad reality that many units carry out occupational safety and hygiene in a perfunctory manner, although having equipment but not training, not assigning people to perform or not assigning specific responsibilities, causing this work to be left unfinished.
In addition, for the majority of migrant workers, especially the self-employed, this right is still very limited, partly because these regulations only regulate and apply to workers working in organizations and businesses that have signed labor contracts.
Research results from the project “The situation of labor migration from rural to urban areas and industrial zones in the context of Vietnam's accession to the WTO” also show that 66.1% of migrant workers do not have technical expertise, the university graduation rate is 6.5%. This brings risks to migrant workers as their jobs are often toxic, dangerous and unstable. Most worryingly, up to 30.5% of migrant workers do jobs that are characterized by noise pollution and dust; 14.1% do toxic jobs; 10.4% do dangerous jobs.[25]
With the psychological pressure of increasing income, migrant workers have to
accept to do hard, toxic, dangerous jobs with long working hours. And their nutrition is not guaranteed. This is a potential risk to reduce, even destroy the health of migrant workers. Although health is an extremely important issue and is aimed at by the whole society, for migrant workers, this is a huge disadvantage. Because access to and use of basic social services such as health and education are very far away, health programs and health care services often rarely mention immigrants, even ignore migrant workers due to their unofficial legal status in the immigration area.
2.4 . GUARANTEE FREEDOM OF TRADE UNION
Freedom of association is a fundamental right of workers. This right is one of the factors that reflect democracy and the development of a country. In other words, democracy and sustainable economic development of a country will not exist if a part of the population is deprived of the right to form organizations to protect their rights and interests.
The State recognizes the freedom of trade union of workers and at the same time the State is also the one who guarantees the freedom of trade union to be implemented in practice. The nature of ensuring freedom of trade union is to ensure the organization and activities of trade unions. Specifically demonstrated through the following measures:
First, recognize the right to freedom of association in the constitution, laws and implementing documents.
The right to freedom of association is one of the basic and important rights of workers, a constitutional right and specified in laws and sub-law documents, including the 1957 Trade Union Law, the 1990 Trade Union Law and the 2012 Trade Union Law.
Article 1 of the Trade Union Law 2012 stipulates:
Trade unions are large political and social organizations of the working class.
workers' and laborers' organizations, established on a voluntary basis, are members of the political system of Vietnamese society, under the leadership of the Communist Party of Vietnam..[15]
Article 3 of the Trade Union Law 2012 stipulates:
1. Trade union rights are the rights of employees, trade union members and trade union organizations to establish, join and operate trade unions in accordance with the provisions of law and regulations of competent authorities[15].
According to the law, all workers can join a trade union without being bound by conditions of age, gender, occupation, etc. Labor law stipulates that trade unions are allowed to participate in many areas related to the rights and interests of workers. Specifically, trade unions have the right to represent the labor collective in negotiating and signing collective labor agreements, representing workers and labor collectives in resolving labor disputes. In addition, trade unions also have the right to participate in other areas such as developing labor regulations, salary and bonus regulations; being consulted before dismissing workers, etc.
Second, prescribe prohibited acts for relevant entities so as not to harm workers' freedom of association.
Article 190 of the 2012 Labor Code stipulates:
Prohibited acts for employers related to the establishment, joining and operation of trade unions
1. Obstructing or causing difficulties for workers in establishing, joining and operating trade unions.
2. Forcing workers to form or join trade unions.
3. Require employees not to join or leave the organization


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