Note:SLPV-number of families interviewed; KQ-interview results;
In particular, because they directly cook for large groups of tourists, mainly Kinh people and foreigners, the Thai people in Mai Chau-Hoa Binh often have to cook dishes according to the tastes of tourists. From the above practices, the Thai people in Mai Chau-Hoa Binh gradually have the skills to cook dishes of Kinh people and foreigners.
Over time, many families have developed the habit of using Kinh and foreign dishes because they often have to use leftover products to serve guests, and then it has become a family habit, when cooking for guests, it is convenient to prepare meals for the family. Therefore, in some Thai families in Mai Chau-Hoa Binh today, they can use some European dishes, dishes that foreign tourists often use, a habit that did not exist in the Thai people in Mai Chau-Hoa Binh before.
Thai families in Mai Chau-Hoa Binh who participate in tourism business and services today usually have 3 main meals, instead of the 5 traditional meals before, the mid-morning snack (for farming) and the snack before going to bed have been completely eliminated. The three meals now are two main meals - lunch, afternoon and a snack - morning. In the main meals in families, now it is not mandatory for all family members to gather as before. Especially when there are tourists, the two main meals of the family are often organized after the tourists have used the food, the host cleans up before having lunch (or dinner). The dishes of those meals often overlap with other dishes used or taken advantage of by tourists.
Thai people in Mai Chau-Hoa Binh drink more diverse because of tourism development. Accommodation service businesses all have refrigerators to store drinks for guests. They sell wine, beer, and soft drinks to serve guests and they themselves also use those drinks. Thai people in Mai Chau-Hoa Binh today
Thai people also rarely make their own wine, they often use wine sold on the market, popular refreshments. Tourists to Thai villages in Mai Chau-Hoa Binh often enjoy wine can more than all other types of wine.
A special thing in the tourism business of the Thai people in Mai Chau-Hoa Binh is that up to now, there have not been any professional restaurants serving tourists. Most of the food service for guests is done by the family that runs the accommodation business. The dishes are ordered by guests according to the agreement between the two parties and the host takes care of it himself. This is different from the service of tourists by the Thai people in some other regions - there are some Thai restaurants that specialize in serving ethnic dishes (according to the request of guests or according to the restaurant's menu). Therefore, tourists rarely have the opportunity to enjoy the ethnic dishes of the Thai people in Mai Chau-Hoa Binh. If they do enjoy them, they are not rich, not comprehensive in quality, taste, and appearance. Moreover, according to the general trend today, the source of food from nature in Mai Chau-Hoa Binh is increasingly scarce, so traditional ethnic dishes are becoming less and less monotonous than before.
However, there are quite a few tourists (especially domestic tourists) coming to Mai Chau-Hoa Binh who like to eat ethnic dishes. This need has helped the Thai people of Lac village and Pom Coong village to have the conditions to preserve traditional ethnic dishes of the past. The ingredients to prepare some ethnic dishes are increasingly scarce, they have to try to buy them from other places to bring back and prepare to serve tourists.
Coming to Lac village and Pom Coong village at night is like coming to a small town. All the houses have many lights on, tourists and villagers sit and chat, eat and drink upstairs and on the floor. At the same time, many houses in the village resound with singing, gongs and drums of the village's art troupes serving tourists.
2.3.4. Impact on family and social relationships
In general, although tourism in Mai Chau-Hoa Binh is quite developed, the relationships between parents-children, husband-wife, siblings, landlord-guest, and neighbors in the village are less affected by the business rules and market economy rules inherent in business, especially tourism business.
Analyzing the data in table 2.6 shows :
+ The majority of 99/120 families (82.5%) have three generations (grandparents, children, grandchildren) living together in the same house, including villages with strong tourism development and villages with undeveloped tourism. Families with two generations (parents, children) as well as four generations are very rare (two generations - 13/120 families, 10.8%; four generations - 8/120 families, 6.7%). This proves that tourism business has little impact on the tradition of the Thai people in these villages - that is, people often live together for many generations (usually 3 generations) under the same roof.
+ The number of siblings who are married and living with their parents is quite large, 107/120 families (89.2%), while the number of families living separately (husband, wife and children) is very small - 13/120 families (10.8%). The number of families with 1-2 siblings who are married and living with their parents is the majority - 102/120 families (85.0%), the number of families with 3-4 siblings who are married and living with their parents is now very small - 5/120 families (4.2%).
Table 2.6. Results of the survey on the impact of tourism on family and social relationships
Interview content
Generations in a family | ||||||||||
Ban Lac | Pom Coong Village | Text | Nhot Village | Total | ||||||
SLP V | Result | SLPV | Result | SLPV | Result | SLPV | Result | Result | Ratio(%) | |
Two generations | 30 | 5 | 30 | 3 | 30 | 3 | 30 | 2 | 13/120 | 10.8 |
Three generations | 23 | 24 | 26 | 26 | 99/120 | 82.5 | ||||
Four generations | 2 | 3 | 1 | 2 | 8/120 | 6.7 | ||||
Interview content | Number of families with married siblings living with parents | |||||||||
Ban Lac | Pom Coong Village | Text | Nhot Village | Total | ||||||
SLP V | Result | SLPV | Result | SLPV | Result | SLPV | Result | Result | Ratio(%) | |
live alone | 30 | 5 | 30 | 3 | 30 | 3 | 30 | 2 | 13/120 | 10.8 |
1-2 families + father, mother | 24 | 25 | 27 | 26 | 102/120 | 85.0 | ||||
3-4 families + father, mother | 1 | 2 | 0 | 2 | 5/120 | 4.2 | ||||
Interview content | The role of women in the family | |||||||||
Ban Lac | Pom Coong Village | Text | Nhot Village | Total | ||||||
SLP V | Result | SLPV | Result | SLPV | Result | SLPV | Result | Result | Ratio(%) | |
Play a major role | 30 | 29 | 30 | 27 | 30 | 10 | 30 | 5 | 71/120 | 59.0 |
Play a supporting role | 1 | 3 | 20 | 25 | 49/120 | 41.0% | ||||
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Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
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At that time, the Branch had to set aside a provision for credit risks, which reduced the Branch's income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giang's profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project "Restructuring the system of credit institutions in the period 2011-2015" approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: "Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services".
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giang's products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Minister's Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers' cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giang's treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giang's income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giang's corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giang's card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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Corporate Social Responsibility (Csr) Has Positive Impact on Building and Developing Corporate Culture

Note : SLPV-number of interviewees; KQ-interview results.
+ Women in strongly developed tourist villages play the main role in the family. In Lac village, 29/30 families (accounting for 96.7%) have women playing the main role in the family; Pom Coong village - 27/30 families (accounting for 90.0%). In underdeveloped tourist villages, the role of women in the family has changed little. In Van village, 10/30 families (accounting for 33.3%) have women playing the main role in the family; Nhot village - 5/30 families (accounting for 16.7%).
Thus, it is clear that in villages with strong tourism development (Lac village, Poom Coong village), women play the main role in the family; they are the main people who carry out tourism business activities, directly deciding the income of their family.
In fact, the Thai villages in Mai Chau-Hoa Binh still retain many good features in the relationship between people and society, between villages and Muongs, which are:
+ There is no distinction between biological children, adopted children, stepchildren, common children, eldest children, second children, daughters-in-law, sons-in-law. There is no distinction between sons and daughters.
+ The son-in-law still takes care of his wife's parents like his own parents. The daughter-in-law still has quite equal rights such as being able to go to her parents' house for a long time. The elders in the family are respected by their children and are always taken care of more thoughtfully than everyone else.
+ Parents respect their children's choice in love, create conditions for their children in the process of getting to know their partner, and there is little discrimination about class or rich or poor during marriage.
+ The custom of living with the wife's family still exists but is no longer as strict and binding as before. Many couples like to be independent right after their wedding day, and if they have enough
Depending on the conditions, the family does not require the in-laws to live with the family. In the family, the husband, wife and children often live together in harmony.
+ The Thai people in Mai Chau-Hoa Binh still maintain the traditional hospitality of the past. When guests come to their house, the host always welcomes them attentively and respectfully. The friendliness between the host and the guests is now expressed through stories, work stories, social stories, etc. They can entertain guests for hours and always maintain friendliness and hospitality.
+ The affection between siblings in Thai families in Mai Chau-Hoa Binh is still warm, with little conflict, but their independence is increasing, the concern, help, and bond between siblings in the family is no longer as tight as before. Their economic independence is increasing.
+ The Thai people in Mai Chau-Hoa Binh still maintain many good traditions in village relations, in the village there are very few thefts. The Thai people in Mai Chau-Hoa Binh always live honestly and truthfully. The community spirit is still very high, especially on festivals and funerals.
+ Due to the development of tourism, the position of women in the family has been greatly enhanced. They are the ones who play the main role in taking care of food and accommodation services for tourists, and communicating with guests. In many Thai houses in Mai Chau-Hoa Binh, many of their daughters-in-law are also the main people in the tourism business. On the other hand, due to the increasing demand of tourists for tourism products, the profession of growing mulberry, raising silkworms, weaving, and sewing brocade fabrics has been restored and strongly developed, creating a significant income for women in the family, playing a leading economic role in the family. It is




![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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