Based on Table 2.1, we can see that: In the period 2017-2019, the labor structure at DongA Bank - Hue City Branch has changed. Specifically, in 2017, the total number of employees was 60 people, in 2018 the number of employees increased by 5 people and by 2019 the number of employees decreased by 17 people, to 48 people. DongA Bank has adjusted its labor force each year to suit its business situation.
45
40
40
37
35
35
30
25
23
20
15
10
5
0
2017
2018
2019
Male and female
25
13
Chart 2.1. Labor situation by gender at DongA Bank - Hue City Branch Based on Table 2.1 and Chart 2.1, we can see that: The number of female employees always accounts for a higher proportion than male employees over the years. In 2017, it accounted for 61.67%, in 2018, it accounted for 61.54% and in 2019, it accounted for 72.92% of the total number of employees. Specifically, in 2018, the number of female employees increased by 3 people, equivalent to an increase of 8.11% compared to 2017. In 2019, the number of female employees decreased by 5 people, equivalent to a decrease of 12.5% compared to 2018. Due to the characteristics of the industry, in the bank, the number of female employees always accounts for the majority, over 58% of the total number of employees. Female staff are often meticulous, careful, patient, good listeners and control their emotions better than male staff, so they easily create sympathy for customers, so most female staff often concentrate in direct transaction and customer care departments. Therefore, the majority of the labor structure at banks
Female workers often account for a higher proportion than male workers.
70
60
59
54
50
45
40
30
20
10
5
5
1
1
3
0
0
2017
2018
2019
University, college
Intermediate, basic
unskilled labor
Chart 2.2. Labor situation classified by professional level of DongA Bank - Hue City Branch
At DongA Bank - Hue City Branch, employees are divided into 3 groups according to their professional qualifications: University, college; intermediate, primary and general labor. Based on Table 2.1 and Chart 2.2, we can see that: Employees with university and college degrees always account for the highest proportion of over 90%, while general labor has the lowest proportion. Considering each year, in 2018, there was an increase of 5 employees with university and college degrees, equivalent to an increase of 9.26% compared to 2017. In 2019, despite a reduction in the number of employees in the entire branch, employees with university and college degrees still accounted for a large proportion of 93.7%. This shows that DongA Bank - Hue City Branch always cares about recruitment policies and building a quality labor force to ensure that the bank's business activities always grow positively over the years.
60
55
57
50
42
40
30
20
10
8
5
6
0
2017
2018
2019
direct indirect
Chart 2.3. Labor situation classified by job nature of DongA Bank
– Hue City Branch
Based on table 2.1 and chart 2.3, in terms of the nature of the work, the number of direct workers is larger than that of indirect workers. In 2017, 91.67% of direct workers were indirect workers, 8.33% were indirect workers. In 2018, 87.69% of direct workers were indirect workers, 12.31% were indirect workers. In 2019, 87.5% of direct workers were indirect workers, 12.5% were indirect workers.
2.1.4. Asset and capital situation of DongA Bank - Hue City Branch
Assets and capital play an important role for each bank, because these two factors reflect the bank's operating situation, help to know the current status of the bank and have measures to overcome and develop the bank.
Table 2.2. Assets and capital situation of DongA Bank – Hue City Branch
Unit: Million VND
Target
Year | Compare | |||||||||
2017 | 2018 | 2019 | 2018/2017 | 2019/2018 | ||||||
GT | % | GT | % | GT | % | GT | % | GT | % | |
I. ASSETS | 590,708 | 100 | 767,920 | 100 | 751,867 | 100 | 177,212 | 30 | -16.053 | -2.09 |
1. Cash at the fund | 10,574 | 1.79 | 16,125 | 2.10 | 14,715 | 1.96 | 5.551 | 52.50 | -1.410 | -8.74 |
2. Deposits at the State Bank and other credit company | 8,506 | 1.44 | 14,898 | 1.94 | 14,898 | 1.98 | 6,392 | 75.15 | 0 | 0 |
3. Lending to organizations economic and personal | 459,630 | 77.81 | 605,889 | 78.90 | 620.127 | 82.48 | 146,259 | 31.82 | 14,238 | 2.35 |
4. Fixed assets | 14,531 | 2.46 | 13,823 | 1.80 | 12,950 | 1.72 | -708 | -4.87 | -873 | -6.32 |
5. Other assets | 97,467 | 15.50 | 117,185 | 15.26 | 89,177 | 11.86 | 19,718 | 20.23 | -28.008 | -23.90 |
II. CAPITAL SOURCES | 590,708 | 100 | 767,920 | 100 | 751,867 | 100 | 177,212 | 30 | -16.053 | -2.09 |
1. Deposits of organizations personal economics | 525,931 | 89.03 | 697.118 | 90.78 | 683,163 | 90.86 | 171,187 | 32.55 | -13.955 | -2.00 |
2. Issuance of documents price | 15,217 | 2.58 | 15,358 | 2.00 | 15,358 | 2.04 | 141 | 0.93 | 0 | 0 |
3. Capital and funds | 14,118 | 2.39 | 20,881 | 2.71 | 19,750 | 2.63 | 6,693 | 47.41 | -1.061 | -5.10 |
4. Other liabilities | 35,442 | 6.00 | 34,633 | 4.51 | 33,596 | 4.47 | -809 | -2.28 | -1.037 | -2.99 |
Maybe you are interested!
-
Identify Rating Levels and Rating Scales
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zt2a3gstourism,quan lan,quang ninh,ecology,ecotourism,minh chau,van don,geography,geographical basis,tourism development,science
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of the islanders. Therefore, this indicator will be divided into two sub-indicators:
a1. Natural tourism attractiveness a2. Cultural tourism attractiveness
b. Tourist capacity
The two island communes in Quan Lan have different capacities to receive tourists. Minh Chau Commune is home to many standard hotels and resorts, attracting high-income domestic and international tourists. Meanwhile, Quan Lan Commune has many motels mainly built and operated by local people, so the scale and quality are not high, and will be suitable for ordinary tourists such as students.
c. Time of exploitation of Quan Lan Island Commune:
Quan Lan tourism is seasonal due to weather and climate conditions and festivals only take place on certain days of the year, specifically in spring. In Quan Lan commune, the period from April to June and from September to November is considered the best time to visit Quan Lan because the cultural tourism activities are mainly associated with festivals taking place during this time.
Minh Chau island commune:
Tourism exploitation time is all year round, because this is a place with a number of tourist attractions with diverse ecosystems such as Bai Tu Long National Park Research Center, Tram forest, Turtle Laying Beach, so besides coming to the beach for tourism and vacation in the summer, Minh Chau will attract research groups to come for tourism combined with research at other times of the year.
d. Sustainability
The sustainability of ecotourism sites in Quan Lan and Minh Chau communes depends on the sensitivity of the ecosystems to climate changes.
landscape. In general, these tourist destinations have a fairly high level of sustainability, because they are natural ecosystems, planned and protected. However, if a large number of tourists gather at certain times, it can exceed the carrying capacity and affect the sustainability of the environment (polluted beaches, damaged trees, animals moving away from their habitats, etc.), then the sustainability of the above ecosystems (natural ecosystems, human ecosystems) will also be affected and become less sustainable.
e. Location and accessibility
Both island communes have ports to take tourists to visit from Van Don wharf:
- Quan Lan – Van Don traffic route:
Phuc Thinh – Viet Anh high-speed boat and Quang Minh high-speed boat, depart at 8am and 2pm from Van Don to Quan Lan, and at 7am and 1pm from Quan Lan to Van Don. There are also wooden boats departing at 7am and 1pm.
- Van Don - Minh Chau traffic route:
Chung Huong high-speed train, Minh Chau train, morning 7:30 and afternoon 13:30 from Van Don to Minh Chau, morning 6:30 and afternoon 13:00 from Minh Chau to Van Don.
f. Infrastructure
Despite receiving investment attention, the issue of infrastructure and technical facilities for tourism on Quan Lan Island is still an issue that needs to be resolved because it has a direct impact on the implementation of ecotourism activities. The minimum conditions for serving tourists such as accommodation, electricity, water, communication, especially medical services, and security work need to be given top priority. Ecotourism spots in Minh Chau commune are assessed to have better infrastructure and technical facilities for tourism because there are quite complete and synchronous conditions for serving tourists, meeting many needs of domestic and foreign tourists.
3.2.1.4. Determine assessment levels and assessment scales
Corresponding to the levels of each criterion, the index is the score of those levels in the order of 4, 3, 2, 1 decreasing according to the standard of each level: very attractive (4), attractive (3), average (2), less attractive (1).
3.2.1.5. Determining the coefficients of the criteria
For the assessment of DLST in the two communes of Quan Lan and Minh Chau islands, the students added evaluation coefficients to show the importance of the criteria and indicators as follows:
Coefficient 3 with criteria: Attractiveness, Exploitation time. These are the 2 most important criteria for attracting tourists to tourism in general and eco-tourism in particular, so they have the highest coefficient.
Coefficient 2 with criteria: Capacity, Infrastructure, Location and accessibility . Because the assessment area is an island commune of Van Don district, the above criteria are selected by the author with appropriate coefficients at the average level.
Coefficient 1 with criteria: Sustainability. Quan Lan has natural and human-made ecotourism sites, with high biodiversity and little impact from local human factors. Most of the ecotourism sites are still wild, so they are highly sustainable.
3.2.1.6. Results of DLST assessment on Quan Lan island
a. Assessment of the potential for natural tourism development
For Minh Chau commune:
+ Natural tourism attractiveness is determined to be very attractive (4 points) and the most important coefficient (coefficient 3), so the score of the Attractiveness criterion is 4 x 3 = 12.
+ Capacity is determined as average (2 points) and the coefficient is quite important (coefficient 2), then the score of Capacity criterion is 2 x 2 = 4.
+ Exploitation time is long (4 points), the most important coefficient (coefficient 3) so the score of the Exploitation time criterion is 4 x 3 = 12.
+ Sustainability is determined as sustainable (4 points), the important coefficient is the average coefficient (coefficient 1), so the score of the Sustainability criterion is 4 x 1 = 4 points
+ Location and accessibility are determined to be quite favorable (2 points), the coefficient is quite important (coefficient 2), the criterion score is 2 x 2 = 4 points.
+ Infrastructure is assessed as good (3 points), the coefficient is quite important (coefficient 2), then the score of the Infrastructure criterion is 3 x 2 = 6 points.
The total score for evaluating DLST in Minh Chau commune according to 6 evaluation criteria is determined as: 12 + 4 + 12 + 4 + 4 + 6 = 42 points
Similar assessment for Quan Lan commune, we have the following table:
Table 3.3: Assessment of the potential for natural ecotourism development in Quan Lan and Minh Chau communes
Attractiveness of self-tourismof course
Capacity
Mining time
Sustainability
Location and accessibility
Infrastructure
Result
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
CommuneMinh Chau
12
12
4
8
12
12
4
4
4
8
6
8
42/52
Quan CommuneLan
6
12
6
8
9
12
4
4
4
8
4
8
33/52
b. Assessment of the potential for humanistic tourism development
For Quan Lan commune:
+ The attractiveness of human tourism is determined to be very attractive (4 points) and the most important coefficient (coefficient 3), so the score of the Attractiveness criterion is 4 x 3 = 12.
+ Capacity is determined to be large (3 points) and the coefficient is quite important (coefficient 2), then the score of the Capacity criterion is 3 x 2 = 6.
+ Mining time is average (3 points), the most important coefficient (coefficient 3) so the score of the Mining time criterion is 3 x 3 = 9.
+ Sustainability is determined as sustainable (4 points), the important coefficient is the average coefficient (coefficient 1), so the score of the Sustainability criterion is 4 x 1 = 4 points.
+ Location and accessibility are determined to be quite favorable (2 points), the coefficient is quite important (coefficient 2), the criterion score is 2 x 2 = 4 points.
+ Infrastructure is rated as average (2 points), the coefficient is quite important (coefficient 2), then the score of the Infrastructure criterion is 2 x 2 = 4 points.
The total score for evaluating DLST in Quan Lan commune according to 6 evaluation criteria is determined as: 12 + 6 + 6 + 4 + 4 + 4 = 36 points.
Similar assessment with Minh Chau commune we have the following table:
Table 3.4: Assessment of the potential for developing humanistic eco-tourism in Quan Lan and Minh Chau communes
Attractiveness of human tourismliterature
Capacity
Mining time
Sustainability
Location and accessibility
Infrastructure
Result
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Quan CommuneLan
12
12
6
8
9
12
4
4
4
8
4
8
39/52
Minh CommuneChau
6
12
4
8
12
12
4
4
4
8
6
8
36/52
Basically, both Minh Chau and Quan Lan localities have quite favorable conditions for developing ecotourism. However, Quan Lan commune has more advantages to develop ecotourism in a humanistic direction, because this is an area with many famous historical relics such as Quan Lan Communal House, Quan Lan Pagoda, Temple worshiping the hero Tran Khanh Du, ... along with local festivals held annually such as the wind praying ceremony (March 15), Quan Lan festival (June 10-19); due to its location near the port and long exploitation time, the beaches in Quan Lan commune (especially Quan Lan beach) are no longer hygienic and clean to ensure the needs of tourists coming to relax and swim; this is also an area with many beautiful landscapes such as Got Beo wind pass, Ong Phong head, Voi Voi cave, but the ability to access these places is still very limited (dirt hill road, lots of gravel and rocks), especially during rainy and windy times; In addition, other natural resources such as mangrove forests and sea worms have not been really exploited for tourism purposes and ecotourism development. On the contrary, Minh Chau commune has more advantages in developing ecotourism in the direction of natural tourism, this is an area with diverse ecosystems such as at Rua De Beach, Bai Tu Long National Park Conservation Center...; Minh Chau beach is highly appreciated for its natural beauty and cleanliness, ranked in the top ten most beautiful beaches in Vietnam; Minh Chau commune is also home to Tram forest with a large area and a purity of up to 90%, suitable for building bridges through the forest (a very effective type of natural ecotourism currently applied by many countries) for tourists to sightsee, as well as for the purpose of studying and researching.
Figure 3.1: Thenmala Forest Bridge (India) Source: https://www.thenmalaecotourism.com/(August 21, 2019)
3.2.2. Using SWOT matrix to evaluate Quan Lan island tourism
General assessment of current tourism activities of Quan Lan island is shown through the following SWOT matrix:
Table 3.5: SWOT matrix evaluating tourism activities on Quan Lan island
Internal agent
Strengths- There is a lot of potential for tourism development, especially natural ecotourism and humanistic ecotourism.- The unskilled labor force is relatively abundant.- resource environmentunpolluted, still
Weaknesses- Poorly developed infrastructure, especially traffic routes to tourist destinations on the island.- The team of professional staff is still weak.- Tourism products in general
quite wild, originalintact
general and DLST in particularalone is monotonous.
External agents
Opportunity- Tourism is a key industry in the socio-economic development strategy of the province and Van Don economic zone.- Quan Lan was selected as a pilot area for eco-tourism development within the framework of the green growth project between Quang Ninh province and the Japanese organization JICA.- The flow of tourists and especially ecotourism in the world tends toincreasing
Challenge- Weather and climate change abnormally.- Competition in tourism products is increasingly fierce, especially with other localities in the province such as Ha Long, Mong Cai...- Awareness of tourists, especially domestic tourists, about ecotourism and nature conservation is not high.
Through summary analysis using SWOT matrix we see that:
To exploit strengths and take advantage of opportunities, it is necessary to:
- Diversify products and service types (build more tourism routes aimed at specific needs of tourists: experiential tourism immersed in nature, spiritual cultural tourism...)
- Effective exploitation of resources and differentiated products (natural resources and human resources)
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Prohibition of discrimination in Vietnamese labor law - Current situation and some recommendations - 2 -
Analysis of the Company's Labor Situation Over the Three Years 2012-2014 -
Analysis of alcohol consumption situation at Hue Food Company Limited - 13 -
Inspectorate of Labor - Invalids and Social Affairs Theory, current situation and solutions - 16
(Source: DongA Bank Business Department - Hue City Branch)
28
About assets:
700
600
500
400
300
200
100
0
2017
2018
2019
Cash on hand
Loans to economic organizations and individuals Other assets
Deposits from State Bank and credit institutions
Fixed assets
459.63
97,467
16,125
605,889
117,185
620.127
89,117
From table 2.2, we can see that the total assets of DongA Bank - Hue City Branch have fluctuated quite clearly. Specifically, in 2017, the total assets were 590,708 million VND, by 2018 it increased to 767,920 million VND, an increase of 177,212 million VND, equivalent to an increase of 30% compared to 2017. This proves that the scale, capital investment structure, and capital usage level of the bank during this period were quite good. By 2019, assets tended to decrease slightly, down 2.09% compared to 2018, meaning that the scale, capital investment structure, capacity, and capital usage level of the bank are facing problems.
10,574
8,506
14,531
14,898
13,823
14,715
14,898
12.95
Chart 2.4. Asset situation of DongA Bank - Hue City Branch in the period 2017-2019
(Source: DongA Bank's consolidated financial report - Hue City Branch)
According to chart 2.4, in the total assets of the bank, the loan item for economic organizations and individuals always accounts for the largest proportion, accounting for 77-82% of the total assets, because the lending business is the business that brings the main profit to DongA Bank - Hue City Branch. Therefore, the change of the above item has a great impact on the change of total assets.
In 2017-2018, the lending target for economic organizations and individuals, the most important target of the bank, increased by 31.28%. This shows that DongA Bank - Hue City Branch has made efforts to focus on comprehensively developing this activity, through serious
Comply with appropriate credit policies set forth by the headquarters, and have appropriate incentive and development policies.
In addition, other assets such as cash in funds, deposits at the State Bank of Vietnam (SBV) and credit institutions, and other assets all increased. In particular, deposits at the State Bank of Vietnam and credit institutions increased by 75.15%.
From 2018 to 2019, total assets in this period decreased by VND 16,053 million, or 2.09%. Of which, cash in the fund, fixed assets and other assets all decreased. Specifically, cash decreased by VND 1,410 million, equivalent to an 8.74% decrease, fixed assets decreased by 23.30%. However, loans to economic organizations and individuals still increased, because the State Bank implemented synchronous solutions to reduce lending interest rates and support production and business activities of the economy and DongA Bank Hue City Branch implemented these policies to effectively operate.
About capital :
800
700
600
500
400
300
200
100
0
2017
2018
2019
Deposits from economic organizations and individuals Issuance of valuable papers Capital and funds Other liabilities
525,931
697.118
683,163
The change in capital sources corresponds to the asset situation in the period 2017-2019 and increased in 3 years. It shows that capital mobilization at the branch is always a top priority, so the growth rate of Hue City Branch is quite stable. Capital mobilization always achieves encouraging results, creating capital for capital use activities.
15 14 | 15 | 15 | ||
.217
.118
35,442
.358
20,811
34,633
.358
19.75
33,596
(Source: DongA Bank - Hue City Branch Summary Report)
Chart 2.5. Capital situation of DongA Bank - Hue City Branch in the period of 2017-2019
Looking at chart 2.5, we can easily see: DongA Bank's capital is mainly from individual economic organizations, accounting for 90%. In 2017-2018, deposits from individual economic organizations increased. Specifically, 171,187 million VND, equivalent to an increase of 32.51%. In the period 2018-2019, deposits from individual economic organizations tended to decrease slightly by 13,955 million VND, or 2%. The issuance of valuable papers, capital and funds, and other debt assets accounts for a small proportion of less than 10% but brings an important source of capital to the bank. It shows that the capital mobilized by the branch comes from deposits from local residents. The policies to encourage opening personal accounts are in parallel with the promotion of customers opening ATM cards, diversifying capital mobilization products with many terms and appropriate forms of capital mobilization, in addition to good customer care, staff, and branch management have proposed good capital mobilization solutions and policies. Capital mobilization has achieved important achievements, the capital structure is stable, helping the branch stabilize its capital and facilitate business.
2.1.5. Business performance results of DongA Bank - Hue City Branch in the period 2017-2019
Table 2.3. Business performance results of DongA Bank - Hue City Branch in the period 2017-2019
Unit: Million VND
Target
Year | Compare | |||||||||
2017 | 2018 | 2019 | 2018/2017 | 2019/2018 | ||||||
GT | % | GT | % | GT | % | +/- | % | +/- | % | |
Revenue | 67,234 | 100 | 70,250 | 100 | 67,889 | 100 | 3.016 | 4.49 | -2.361 | -3.36 |
Loan interest income | 65,359 | 97.21 | 68,110 | 96.95 | 65,754 | 96.86 | 2,751 | 4.21 | -2.356 | -3.46 |
Interest income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Income from DVTT&NQ | 1,869 | 2.78 | 2.125 | 3.03 | 2.125 | 3.13 | 256 | 13.70 | 0 | 0 |
Revenue from other activities | 6 | 0.01 | 15 | 0.02 | 10 | 0.02 | 9 | 150 | -5 | -33.33 |
Expense | 41,849 | 100 | 48,309 | 100 | 48,832 | 100 | 6,460 | 15.44 | 523 | 1.08 |
Deposit interest expense | 25,155 | 60.11 | 27,255 | 56.42 | 27,245 | 55.79 | 2,100 | 8.35 | -10 | -0.04 |
Interest expense on issuance of securities | 1,393 | 3.33 | 1,495 | 3.10 | 1,655 | 3.39 | 102 | 7.32 | 160 | 10.70 |
Payment and banking services | 297 | 0.71 | 336 | 0.70 | 345 | 0.71 | 39 | 13.13 | 9 | 10.70 |
Other operating expenses | 15,004 | 35.85 | 19,223 | 39.79 | 19,587 | 40.11 | 4,219 | 28.12 | 364 | 2.68 |
Profit | 25,385 | 100 | 21,941 | 100 | 19,057 | 100 | -3.444 | -13.57 | -2.884 | -13.14 |
(Source: Summary report of DongA Bank – Hue City Branch)
32