The couple So Cong Luoi Xoi and Lup Cup, due to the heavy workload, sometimes faltered and fell... The personalities of the gods are also the realization of the personalities of each individual in the community. That's good, but it also has limitations.
Sixth: The symbol of giant gods is typical of rice-growing residents, associated with traditional fertility beliefs. Typically, in the minds of the Thai people, So Cong and Ai Lac Cac play an important role and are worshiped as agricultural gods. The same is true in the culture of the Tay people. The couple Bao Luong and Sao Cai are also considered the first people to teach farming to the ethnic group. Or we also encounter the image of giant gods in the mythology of the Vietnamese people (the most abundant), of the Muong people (Mr. Dung, Mrs. Da) who are typical rice-growing residents. It is the elevation of the role of these giant gods that is the origin of the fertility beliefs of rice-growing residents in our country.
Unlike the gods in fairy tales and legends in later periods, which often carry magical and beautiful elements, the images of gods in myths are considered copies of real life reflected in literature. There, the gods are not supernatural forces with magical miracles, but only images of society and people in the early days of history. With the desire to learn about natural phenomena to conquer them, with the awareness of the power of labor, people have attributed all things in nature to the creativity of the gods - essentially people who have been "deified". Nature has become too close to humans, becoming the object of constant human influence. The enormous, extraordinary stature of the creative gods is also the most complete and general symbol of the power.
human creativity itself, for the power to transform the world that humans have done, are doing, and will do throughout their history of existence.
2.3. Meaning of the giant symbol
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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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Measure 4: Make Tools and Toys to Use in Children's Play Activities -
Perspectives on Improving the Quality of Law Application in Resolving Land Use Rights Disputes at the People's Court -
Internal control of revenue and expenditure activities at the National Children's Hospital - 2
2.3.1. Expressing the desire to conquer and live in harmony with nature of humans in the early days of history
In the early stages of human history, when humans were just emerging from the animal world and began to develop their awareness, the first issues they were interested in and wanted to learn about were the natural phenomena around them. Why is there sky, earth, rain, wind? Why are there rivers, streams, lakes? Why are there animals? And why are there humans? Those questions have dominated human awareness throughout history. And even now, with much more advanced science and technology, humans continue to learn about and explain those things.

For modern people, to perceive natural phenomena happening around them is a continuous thinking process, so for primitive people, how difficult was it to explain these phenomena?
At that time, the only basis that primitive people relied on to explain the world was their own ability to work. With the continuous development of production tools, human labor productivity was increasingly improved, initially stabilizing life. It was labor that helped humans separate themselves from the animal world and helped human thinking to be increasingly improved. Primitive people every day, every hour constantly impacted nature to serve their lives, so for them, human labor had omnipotent power. And from here, to explain and perceive the world, they relied on their own labor.
Primitive people believed that all things and phenomena in nature were born from the will and labor of humans. This was clearly reflected in the myths of ethnic groups about giant gods who played a creative role. They were the God of the Sky or the Nu Oa - Tu Tuong couple of the Vietnamese (Kinh), Taman Xori of the Co or Ro Xi of the Xe Dang. And more specifically, the seven So Cong couples of the Thai (the Ai Lac Cac couple is the seventh So Cong couple) and Pao Luong - Sao Cai couple of the Tay. Through their extraordinary acts of creating nature, the giant gods were the embodiment of the ancient people's dream of conquering and transforming nature in the early days of history.
The giants in the mythology of the Thai-speaking people in particular and of other ethnic groups in general are people with extraordinary strength, so their work is also very unusual. To serve the life as well as the production work smoothly, they have to dig rivers, build soil, work in the fields, carry soil, fertilize with ash... like normal people. However, due to their unusual strength, the results of their labor are also very admirable. "Carrying ash and coal to fertilize the fields. Pouring ash down to form Tro mountain (Pu Tan in Chieng Pac - Thuan Chau). Pouring coal into Than mountain (Pu Than in Muong Phang - Dien Bien) " [46, p.10]
Through the image of giants, the ancient Tay - Thai people expressed their desire to conquer nature. They attributed all natural creations such as rivers, streams, ponds, lakes, mountains, hills, etc. to the labor of giants - the gods of the beginning of the world. It was their hard work and perseverance that helped people have the life they have today. People have fields to grow rice, rivers and streams to catch fish, forests to hunt animals, etc.
Besides the great merit of transforming nature in a beneficial direction to serve human life later, the gods also have the merit of domesticating
the first animals and plants for humans. If Sao Cai was the first god to turn wild rice into cultivated rice for the Tay people, then Ai Lac Cac and his wife were the ones who brought rice to cultivate in the four fertile valleys of the Thai people. Not only that, they also brought the animals given by Then to be kept as pets in the house, serving for transportation (winged horses). Or they went to the forest to catch buffaloes, cows, cats, and dogs to serve production. It was these gods who brought farming to the ancient Tay - Thai people.
The merits of the creative gods are truly enormous. But in the end, these giant gods are the realization, the concretization of the ancient people's desire to conquer nature, to elevate the role of human creative labor to the same level as the creativity of nature. At this time, in the period of disintegration of primitive society, the awareness of oneself, of the position and role of humans in nature is enhanced. Humans want to put themselves on the same level as nature, to conquer and transform nature in a direction that is beneficial to their lives, according to their subjective wishes. But nature is too majestic, too great compared to the small stature of humans. Therefore, in their extremely primitive and rustic imagination, they created gods of great stature to realize their dreams.
Through the myths about the gods of the Tay - Thai people in particular and other ethnic groups in general, primitive people have given a rather interesting explanation about the process of creating nature: it was the labor of the giant gods that created a new appearance for the land where humans lived in the early history. But in fact, that creativity, that merit is from the ability of human creative labor that has been sanctified, given a "sacred, mysterious" nature, just like the identity and origin of the gods!
2.3.2. Promoting the role of creative labor
In the early days of history, when human perception was still limited, they were aware of the role of labor in transforming the world and transforming humans. Through their own labor and creativity, humans gradually asserted themselves in the natural world, not only as a part of nature but also moving towards conquering it and transforming it in a direction that was beneficial to them. It can be said that "labor created humans".
With the continuous development of creative labor activities through the invention of a series of increasingly effective tools, the lives of primitive people began to stabilize. Accordingly, their awareness was also enhanced. However, the awareness of nature, people as well as the social community in which people lived was still very vague. Moreover, people at this time were still just a part of nature, having an organic relationship with nature because their lives were still completely dependent on nature. Therefore, changes in the surrounding environment had a direct impact on their lives that they could not explain. And labor - that is, human creativity - was the salvation for them to learn, explain and move towards conquering nature.
Through the system of myths about giant gods in the dawn of ethnic history, the Tay - Thai people in particular and other ethnic groups in general all expressed their desire to conquer nature through labor. The creative gods are the deification of human labor capacity.
Primitive man was so small before the majestic and great nature. Sometimes that nature was gentle, but sometimes it was fierce. To suppress nature, the weak strength of man could not do it. They had to resort to some supernatural force that was on par with nature.
And they generalized that desire into the image of “giant” gods.
The gods in the mythology of the ethnic groups also do the same jobs as normal people. They also get married, have to work to have food, and have good and bad qualities like humans, the only difference is in their stature. For example, Ai Lac Cac. The couple Ai Lac Cac cooked sticky rice in Muong Then. The handful of sticky rice Ai threw to the buffalo fell down and became Xoi Nuong mountain ( Pú Khẩu chỉ ), the stone thrown became Da Roi mountain ( Pú Hinh Kình ), the foot stepped on the flint stone that fell into the Nam Rom river, making the middle of the river without rocks. Or accidentally dropped a load of coal or ash, creating Than mountain, Tro mountain... As for the couple Bao Luong - Sao Cai, in order to have enough food to feed their children, they also had to work hard to find and cultivate wet rice plants, take care of and cherish it to get good results. We see here the image of a farmer with muddy hands and feet - a typical image of the Vietnamese people.
There is no magical or supernatural element here, but it is a realization of the image of human labor. It reflects very truthfully the life of primitive people at that time. The absurd element here only stops at the fact that the things the gods do are so grand, so extraordinary, but also so ordinary. That action, that work can be done by ordinary people, but here, because the object of influence is so majestic nature, it must be raised to a new height, to a new level that only gods with enormous stature can undertake.
“ It is labor that creates man for man, creates a human nature. Through labor, the essential forces of man are materialized in objects, nature becomes human for man, and thus the relationship between man and nature becomes human, and human feelings are humanized ” (Marx).
Therefore, between nature and man there is a friendly relationship like that of blood relatives. Nature and man are faithful companions forever. Looking at nature, man sees his own shadow.
Thus, in general, the giant gods in the mythology of the Thai-speaking peoples are the embodiment of human labor in the early history. With the desire to learn and explain nature, in addition to the pride in the fruits of their own labor, the ancient Thai people attributed the creative ability of nature to human labor. A very special phenomenon of personification shows the pride of the ancients in themselves, in the ability to create and transform the objective world of humans, taking humans as the center of the universe. Human power has been "deified", "sacred" through the image of the gods, but it is still very close to humans. The ancients could easily recognize their own shadow through the image of the creative gods, or in other words, the gods of the beginning of the world were the "inflated" and "magnified" ability of human creative labor. Through the images of these gods, the role of humans is elevated to be on par with nature.
Not only a part of nature, the ancient Tay - Thai people expressed their desire to learn and conquer nature, even considering all things and phenomena in nature to originate from human labor. With the birth of mythology, humans have further affirmed their position in nature, completely separated from the animal world and proactive in their life activities. Because humans have labor - the ability to create with a purpose that is unique to humans.
2.3.3. Affirming the strength of rice-growing residents
The image of people and society reflected in the myths of the Thai-speaking people is the image of a wet rice agricultural culture. That is the discovery of a type of " grass that grows lushly green, has hard, sharp, rough seeds, but when buried in the fire, it pops and blooms white buds, delicious to eat ". Sao Cai decided to bring that plant back to grow as a regular food for his family. Or when Then sent him to govern Muong Then, Ai Lac Cac and his wife brought rice plants down to grow in four fertile valleys on earth: Muong Then, Muong Tac, Muong Lo, Muong Than, which were later considered the ethnic territory of the Thai people.
Right from the beginning of human history, when they were just born from the animal world, with a very vague and childish perception of nature, originating from the natural conditions where the people lived, the ancient Thai-speaking people decided to choose wet rice as the main food crop of their people. From here, a wet rice civilization typical of the valley - the main habitat of the people - was formed, blending with the plain rice civilization of the Kinh (Vietnamese) people. It can be said that the Thai-speaking people in the valley blended with the Viet-Muong people in the plains to create the brilliant Red River civilization in the ancient history of Vietnam.
Since the formation of the ethnic group, the ancient Thai people have chosen wet rice farming as their main economic occupation. This has been clearly shown in the ethnic group's mythology - the earliest form of folk literature in the history of human literature.
The giant gods not only brought rice to the people but also taught them how to care for it to get the best results. If the couple Bao Luong and Sao Cai had to " build embankments for shallow areas, dig up low areas to lower the water level, and saw that they had to prune and pruning"


![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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