Interaction in the program is also low. Specifically, only 79 people have ever interacted with the program. Of which, only 36 people have interacted regularly and occasionally. Thus, it can be seen that the number of viewers following the program and participating in interactions is low. Although the program Live Healthy Every Day has many forms of interaction, this result proves that the program's interactive activities have not really attracted the audience.
* Audience's level of appreciation for interactive forms.
According to survey chart No. 14, 15, 16, 17 (Appendix 3) with 4 corresponding forms
was evaluated: VTY Plus application, Facebook social network, interaction via email and calling the hotline, the audience has the highest preference for interaction via Facebook social network, second is via VTV Plus software, third is interaction via email and lowest rating is interaction via hotline phone. That reflects the reality of the survey as well as the reality in life. VTV Plus software began to be widely applied to Vietnamese audiences from January 1, 2014, therefore, although interaction via VTV Plus is a new, modern form, the level of popular use will not be as high as with Facebook social network. This result reflects the reality of the survey, because both programs in the survey used the form of interaction via social network, only Happy Lunch used interaction via VTV Plus software. With interaction via email and hotline, these are two old forms of interaction, with little public attraction.
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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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2.2.2. Interactive TV programs on Vietnam Television under survey
2.2.2.1 Interactive TV show "Happy Lunch" on VTV6

Happy Lunch is an entertainment program on VTV6, aired at 12 noon every day since 2014. Happy Lunch is designed as an entertainment program that promotes high interaction, helping the audience to meet, interact, receive gifts from guests, and at the same time giving guests the opportunity to share, answer questions from the audience and participate in interesting challenges of the program. Slogan
of the program: "You'll never have to eat lunch alone". The guests of Happy Lunch are famous people in many different fields. They can be singers, musicians, actors, models, athletes... or simply ordinary people representing many people.
Happy Lunch is a 45-minute TV game show. Broadcast from Monday to Friday every week (from 2106, it will be broadcast from Monday to Sunday every week). The audience will experience a new TV program created by the Youth Department.
The special feature of this TV game show compared to previous TV game shows is that the guests and the audience participate in the game together. The situations are built concisely and humorously, creating relaxing moments for the audience while enjoying Happy Lunch. In addition, the program has the participation of many famous artists in the Vietnamese entertainment industry, which is also a highlight that attracts the audience to the program.
Starting with the acquisition of software on the VTVplus mobile app - the second screen application, first applied to the program "Happy Lunch". The Happy Lunch program is constantly innovating, building rich interactive forms to create a successful highlight with many interactive activities: submitting requests for program guests, answering interactive questions on screen 2, interacting on Facebook - taking photos according to the program's theme, sending videos to offline collaborators - your lunch space.
Advantage
Launched in 2014, "Happy Lunch" is the first interactive program on TH that combines traditional TV and social networks. The digital audience can both watch TV and comment directly on the program's fanpage. Meanwhile, traditional audiences still find in the program values that make them unable to take their eyes off the screen: Humor and fun hidden inside some gentle messages about life.
Since 2018, the program "Happy Lunch" has had changes in content with the THTT bridge, dates, and games with celebrities. All are effectively supported by the most advanced interactive technologies applied for the first time on VTV such as online TH bridge, virtual studio.... In addition, each month, "Happy Lunch" will bring a special "date" with a famous star: Ho Ngoc Ha, Son Tung M.TP, Noo Phuoc Thinh... guests and audiences join in the game. The situations are built concisely and humorously, also creating relaxing moments for the audience when enjoying Happy Lunch.
Happy Lunch is a program that emphasizes interactivity with many attractive entertainment contents, an interesting new meeting place for the audience every lunch break. With this new game show, no matter where you are, with just an electronic device that can connect to the internet, the TV audience can watch, directly participate and experience with Each Happy Lunch program. deals with a topic. Each topic will have 5
Relevant situations are presented and with just internet-connected devices such as smartphones, tablets or desktop computers, the audience will join celebrity guests to overcome 5 questions of each program situation.
Limit
Because it's a live broadcast, sometimes the MC makes mistakes like stuttering, slurring his words, or the guest and MC don't understand each other, so many parts deviate from the program's theme.
Many guests are not famous, leading to low interaction, and the guests are not funny, so the show is not exciting.
To be able to interact, viewers need to have supporting devices and perform operations. This is difficult for older people who do not have smart digital devices.
2.2.2.2 Live TV program Live Healthy Every Day on VTV2 channel Live Healthy Every Day is a program that brings to TV audiences
With practical knowledge and information about health, Living Healthy Every Day on VTV2 has become spiritual food for television audiences.
The content of the program Live Healthy Every Day is diverse with many sub-categories such as: Mental health, Medical information, For your health, Maybe you don't know, Doctor's advice, the program Live Healthy Every Day provides accurate information in the field of health and medicine. In addition, the advice of experts and specialists has provided and supplemented medical knowledge for television audiences.
For television audiences and especially people in remote areas, health programs on television such as Live Healthy Every Day are the fastest and most useful channel to access medical information.
Since its inception, it has received a high level of interaction: My Rec is a program in which the audience is the subject of creating content by sending in images or photos (shot by handycam; high definition mobile; camera), sent to the program via the Internet, or by post; Connecting Children is a multi-dimensional discussion online and on television. The audience chooses the topics of discussion through the program's website address and continuously comments on the topics, then the opinions shared by the audience are broadcast on the program. Dialogue for Children is the first live program and the forms of interaction of the program are also direct interactions: the audience calls directly to the program to share their opinions and selected phone calls will be broadcast live on television, in addition, the audience can text, email to give opinions and views to the program.
With an attractive, diverse and easy-to-understand presentation, the program Live Healthy Every Day of the Science and Education Department, Vietnam Television is promoting the role of an integrated television program and providing necessary medical information to television audiences.
This is also one of the programming directions that VTV focuses on.
The center invests so that audiences of all ages and places can access information in the most appropriate way.
* Advantage
- The program provides necessary information on health, nutrition, disease prevention and treatment as well as updates on medical issues in the country, region and the world.
-The program has changed topics and is concerned with improving broadcasting quality as well as interaction quality.
- VTV2 program cooperates with other units to produce programs with different topics, providing specific knowledge and advice from specialized doctors on issues through direct observation and interaction.
For example, VTV2 cooperated with Kangnam Cosmetic Hospital to produce a special episode of the program Live Healthy Every Day with the theme "Eye Aesthetics 360". In the program, for the first time, the audience witnessed a specific eye cosmetic surgery at Kangnam Cosmetic Hospital and watched the dramatic change of the character after the eye surgery.
Limit
Because it is a live broadcast, sometimes the MC gives long introductions and handles situations inappropriately.
There are still interactions around the program's theme that have not been effectively utilized.
Some collaborating units also incorporate commercial elements. Young people's interaction is still low, mainly the elderly watch but the interaction is limited due to age and lack of digital devices to update.
2.3. Program innovation contents
2.3.1.Interactive activities in the Happy Lunch program
The Happy Lunch program is a type of program that directly interacts with the audience. This is a program that prioritizes interaction with the audience. The Happy Lunch program is designed to focus on the audience's role in each program. During the survey period from September 2017 to March 2018, there were 3 forms of audience interaction that the audience could participate in the program:
* Answer questions via the second screen application (VTVplus)
The audience will be the ones who directly participate in playing with the guests in the studio, and at the same time, they will also have the power to adjust and influence the results of the games in the program through the percentage of votes answered on social networks. No longer simply watching Happy Lunch passively on TV, the audience can follow the program through many means of Internet connection.
In addition, using secondary screen technology on smart entertainment devices such as smartphones and tablets. Happy Lunch brings the audience entertaining minutes through free online games on television, which can be knowledge questions, humorous situations about all aspects of life. The most interactive audience with the highest score, fastest and most correct answers and receive the program's rewards.
Method 1 : If the audience wants to interact via computer or laptop, follow these steps:
- Step 1: Access www.vtvplus.vn
- Step 2: Select channel VTV6.
- Step 3: On the right corner of VTV6's TV Online screen, there is a red PLUS button or an icon in the upper right corner of the player screen.
- Step 4: Click on it and an interactive screen will appear, answer the question and the audience will become powerful. This power is used to advise guests on the show in situational questions.
Method 2: For viewers using smartphones with iOS, Android, Windows Phone operating systems connected to the network, do the following:
- Step 1: Access the address www.vtvplus.vn/download
- Step 2: Download Vtvplus software to your phone.
- Step 3: Install, launch Vtvplus application, select VTV6 Online
- Step 4: Select the red icon with the word Plus in the upper right corner of the screen to interact or the icon in the upper right corner of the player screen.
- Step 5: Once the installation is complete, you can also use the interactive screen.
This is the same as step 4 above. Accumulate points for a chance to receive valuable gifts from the program.
* Social media interaction
Viewers can access the show’s Facebook page at www.facebook.com/buatruavuive to “book an appointment with their idol for lunch every day”. In addition, the audience is the one who makes suggestions, requests, challenges, and situations for celebrities right on this page. Right on the set, the guest characters will have the task of meeting those “demands”.
In addition, part of the program's content is to take introductory photos of the guest and the MC of the program as soon as the guest appears. This is the first form of audience interaction of the program, "like" - clicking the like button on the photo posted on the program's Facebook page. Through the number of likes from the audience on each photo, the program maker can measure the number of viewers supporting them and understand how attractive their guest is to the audience.
* Take pictures by theme
The photo theme of each broadcast is given by the guest at the beginning of the broadcast so that the audience during the 60 minutes of the program will send photos via Facebook page. The program will select about 10 photos that are on topic, impressive and most interesting and at the end of the program, the guest will watch and decide which photo of the audience will win the guest's gift. Normally, during the broadcast time, the program receives an average of 50 - 70 interactive photos from the audience.
* Offline collaborator - video Your lunch space
Offline collaborators on VTV6 in the Happy Lunch program received a lot of attention from the audience. This is an interactive activity that gives each audience the opportunity to become an Offline Collaborator of the program by. Each audience will record a video sharing their lunch space, introducing
about where you are, the weather today where you live, what you will have for lunch... Requirements: the audience self-records in the form of Selfie - individual self-recording or Wefie - group self-recording, horizontally rotating the phone or tablet with clear sound. Videos sent to email: btvvngoaituyen@gmail.com before 10:30 am every day. On average, each day the program crew receives 15-20 videos from the audience sent from all over the country. That brings richness and diversity to the program's content.
2.3.2. Interactive activities in the program Live Healthy Every Day on VTV2
The program “Healthy Living Every Day” was born with the aim of taking care of community health, promoting and disseminating knowledge, basic ways to treat health and diseases, and comprehensive beauty, creating opportunities for people who need to care for and improve their health and beauty to directly interact with doctors and leading health experts at home and abroad. The more people’s living conditions improve, the more time and attention they spend on health issues, because health is a priceless asset of humans. Accordingly, the interaction of other audiences related to the program is increasing.
The program revolves around medical examination and treatment to save people, the remedies that the three teachers and students have researched, invented and applied until now; Family Doctor (the main part of the program, the audience will hear experts and leading doctors consult on health issues, diseases, treatments and advice on proper nutrition, exercise, how to prevent disease recurrence... and at the same time answer questions from the audience sent to the program via the switchboard); and part 3 Audience Interaction (each program will have 1 question related to the topic of the talk show for TV viewers to participate in texting and receiving rewards).
Health talk show with the participation of many experts and leading doctors in health at home and abroad, will certainly answer all questions of TV viewers, providing viewers with truly necessary and useful knowledge about health in life, to





![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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