CHAPTER 1
OVERVIEW OF RESEARCH ISSUES
1.1. PEANUT PRODUCTION SITUATION IN THE WORLD, VIETNAM AND QUANG BINH
1.1.1. Peanut production situation in the world
According to data from FAOSTAT (2012) [109], the world peanut production situation in the last 3 years (2008 - 2010) in Table 1.1 is as follows:
Table 1.1. Area, yield and production of peanuts in the world (2008 – 2010)
TT
Country name | Acreage (million hectares) | Productivity (ton/ha) | Output (million tons) | |||||||
2008 | 2009 | 2010 | 2008 | 2009 | 2010 | 2008 | 2009 | 2010 | ||
1 | India | 6.85 | 5.47 | 4.93 | 1,071 | 1,007 | 1,144 | 7.33 | 5.51 | 5.64 |
2 | China | 4.62 | 4.40 | 3.55 | 3,102 | 3,357 | 3,454 | 14.34 | 14.76 | 15.71 |
3 | Nigeria | 2.30 | 2.64 | 2.64 | 1,695 | 1,126 | 1,000 | 3.90 | 2.97 | 2.64 |
4 | Sudan | 0.95 | 0.95 | 1.15 | 0.750 | 0.996 | 0.662 | 0.71 | 0.94 | 0.76 |
5 | Angola | 0.18 | 0.29 | 0.30 | 0.333 | 0.383 | 0.388 | 0.60 | 0.11 | 0.12 |
6 | Myanmar | 0.65 | 0.84 | 0.87 | 1,538 | 1,622 | 1,548 | 1.00 | 1.36 | 1.34 |
7 | Indonesia | 0.63 | 0.62 | 0.62 | 1,216 | 1,249 | 1,256 | 0.77 | 0.78 | 0.78 |
8 | Cameroon | 0.30 | 0.30 | 0.30 | 0.533 | 1,523 | 1,533 | 0.16 | 0.46 | 0.46 |
9 | America | 0.60 | 0.44 | 0.51 | 3,828 | 3,835 | 3,712 | 2.33 | 1.67 | 1.89 |
10 | Vietnam | 0.25 | 0.25 | 0.23 | 2,085 | 2,107 | 2,100 | 0.53 | 0.53 | 0.49 |
11 | World | 24.59 | 23.91 | 24.01 | 1,553 | 1,529 | 1,523 | 38.20 | 36.57 | 36.57 |
Maybe you are interested!
-
Current Situation and Impact of Wholesale Trade on Production and Export in Vietnam in the Period 1996-2000 -
Powder Coating Production Situation in Vietnam [33] -
Safe Tea Production Situation in the World -
Situation of Textile and Garment Production and Business in Vietnam in Recent Years. -
Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
zt2a3ge
zc2o3n4t5e6n7ts
At that time, the Branch had to set aside a provision for credit risks, which reduced the 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).
div.maincontent .content_head3 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .p { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; }
div.maincontent p { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; }
div.maincontent .s1 { color: black; font-family:"Courier New", monospace; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s2 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 13pt; }
div.maincontent .s3 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s4 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s5 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s6 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s7 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13.5pt; }
div.maincontent .s8 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; }
div.maincontent .s9 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -2pt; }
div.maincontent .s10 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: 5pt; }
div.maincontent .s11 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -5pt; }
div.maincontent .s12 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -3pt; }
div.maincontent .s13 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -4pt; }
div.maincontent .s14 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 7.5pt; }
div.maincontent .s15 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s16 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s17 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9.5pt; }
div.maincontent .s18 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -1pt; }
div.maincontent .s19 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -5pt; }
div.maincontent .s20 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -2pt; }
div.maincontent .s21 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10pt; }
div.maincontent .s22 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s23 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -3pt; }
div.maincontent .s24 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -5pt; }
div.maincontent .s25 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s26 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -4pt; }
div.maincontent .s27 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -6pt; }
div.maincontent .s28 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -1pt; }
div.maincontent .s29 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11.5pt; }
div.maincontent .s30 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11pt; }
div.maincontent .s31 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11pt; }
div.maincontent .s32 { color: black; font-family:.VnTime, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s33 { color: black; font-family:Cambria, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s34 { color: black; font-family:Cambria, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -4pt; }
div.maincontent .s35 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11.5pt; }
div.maincontent .s36 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s37 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 13pt; }
div.maincontent .s38 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13pt; }
div.maincontent .s39 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 15pt; }
div.maincontent .s40 { color: black; font-family:"Times New Roman", serif; font-style: normal; fo
(Source: FAOSTAT, 2012)
In 2010, the world's peanut growing area reached 24.01 million hectares, with over 112 countries growing peanuts. Of which, the peanut growing area in Asian countries accounted for 47.84%, Africa 47.83%, America 4.2%, Europe 0.45% of the total area. Countries with large areas include 10 countries, of which India has the largest area of 4,930,000 hectares.
ha, China reached 3,550,000 ha, Nigeria reached 2,640,000 ha. The world peanut growing area in the 3 years 2008, 2009 and 2010 fluctuated from 23.91 million ha to 24.59 million ha. Leading was India, fluctuating from 4.93 million ha to 6.85 million ha, followed by China, fluctuating from 3.55 million ha to 4.62 million ha, Nigeria, fluctuating from 2.3 million ha to 2.64 million ha. The fluctuation trend was mainly downward and there were countries with a decrease of millions of ha such as India and China.
The world's average peanut yield is 1.523 - 1.539 tons/ha. The peanut yield of countries in the world varies quite a lot and is unstable over the years. In 2010, the average yield was led by Israel, Nicaragua, Kenya at 5.136 - 5.644 tons/ha, followed by the US, Turkey, China, Spain, Greece, Egypt at 3.039 - 3.712 tons/ha, the lowest were Mozambique, Angola, Zambia at 0.237 - 0.414 tons/ha.
The average world peanut output in 3 years reached from 36.57 - 38.20 million tons. The countries with the largest output are China reaching from 14.34 - 15.31 million tons, followed by India reaching from 5.51 - 7.33 million tons, and the US reaching from 1.67 - 2.33 million tons.
According to scientists, the potential for increasing peanut productivity and output in many countries is still very large and needs to be exploited. While the average peanut yield in the world is only over 1.5 tons/ha. In China, small-scale trials have achieved a yield of about 12 tons/ha, 8 times higher than the average yield in the world. On an area of tens of hectares, peanut productivity can reach 9.6 tons/ha. Recently, the International Crops Research Institute for the Semi-Arid Tropics ( ICRISAT ) reported that the difference between peanut productivity at the research station and productivity on farmers' fields is from 4 to 5 tons/ha. While crops such as wheat and rice have nearly reached their ceiling yield and are showing a decreasing trend in many countries around the world, peanut productivity in production is still far from its potential yield. This fact has suggested the possibility of improving productivity and efficiency of peanut production based on the application of scientific and technical advances in production to exploit potential. This strategy has been successfully applied in many countries and has become a lesson in peanut production development in countries around the world [23].
1.1.2. Peanut production situation in Vietnam
Peanuts have been grown in Vietnam for a long time, and are the number one oil crop in terms of area, output and export, contributing significantly to the total value of agricultural exports of our country every year. However, before 1990, peanuts were not given due attention, so the area, productivity and output were very modest. 1987 was the peak of peanut production at this time, but the area reached
237,000 hectares, but the yield is only 0.97 tons/ha and the output is approximately 231,000 tons.
During the period 1990 - 1995, peanut production tended to increase in area and output, but productivity was still low, reaching only over 0.1 tons/ha. During the period 1995 - 2000, peanut productivity increased dramatically, especially in 1999, the productivity reached 1.43 tons/ha, the highest in this period [23].
According to FAOSTAT (2012) [109], in the period 2000 - 2005, the area and productivity of peanuts had a spectacular improvement, each year higher than the previous year. In 2000, the area reached 244,900 hectares, the productivity reached 1.45 tons/ha, but by 2005, the area reached 269,600 hectares, the productivity reached 1.82 tons/ha, putting peanuts in the top 10 agricultural export products, achieving an export turnover of 30 - 50 million USD/year.
Table 1.2. Area, yield and output of peanuts in Vietnam (2006 – 2010)
Unit
Year | |||||
2006 | 2007 | 2008 | 2009 | 2010 | |
Area (ha) | 246,700 | 254,249 | 255,300 | 249,200 | 231,284 |
Yield (ton/ha) | 1.87 | 2.00 | 2.08 | 2.11 | 2.10 |
Output ( tons) | 462,500 | 504,921 | 530,200 | 525.100 | 485,792 |
(Source: FAOSTAT, 2012)
Table 1.2 shows that from 2006 to 2010, the peanut area nationwide fluctuated between 231,284 - 255,300 hectares, peaking in 2008 and then showing a decreasing trend. According to statistics from the Ministry of Agriculture and Rural Development (2009) [8], currently the 5 ecological regions with large peanut growing areas in Vietnam are the Red River Delta (30,500 hectares), the Northeast (40,350 hectares), the North Central Coast (75,300 hectares), the South Central Coast (33,100 hectares) and the Southeast (29,575 hectares). The remaining area is distributed in many places throughout the country and peanuts are grown in 62/64 provinces and cities, with only two
The provinces that do not grow peanuts are Hau Giang and Ca Mau. Of which, 10 provinces with large peanut growing areas are Nghe An (23,675 ha), Tay Ninh (21,400 ha), Ha Tinh (20,325 ha), Thanh Hoa (16,175 ha), Bac Giang (10,900 ha), Quang Nam (10,225 ha), Dak Lak (9,425 ha), Binh Dinh (8,400 ha), Dak Nong (8,125 ha) and Long An (7,500 ha).
However, during this period, productivity continued to increase and was higher than the world average productivity by 0.5 - 0.6 tons/ha (world peanut productivity in 2010 reached 1.523 tons/ha). Peanut productivity between provinces/cities in the country has a significant difference. The average productivity in the period 2006 - 2010 of Ninh Thuan province was 0.71 tons/ha, the lowest, and that of Tra Vinh was 4.08 tons/ha, the highest. Provinces with high peanut productivity are Tra Vinh (4.08 tons/ha), Nam Dinh (3.6 tons/ha), Tay Ninh (3.28 tons/ha) and Hung Yen (3.1 tons/ha). Especially Tay Ninh, the province with the second largest peanut growing area and the third highest productivity in the country [8].
1.1.3. Peanut production situation in Quang Binh
Table 1.3. Area, yield and output of peanuts in Quang Binh (2006 – 2010)
Target
Year | |||||
2006 | 2007 | 2008 | 2009 | 2010 | |
Area (ha) | 5,400 | 5,608 | 5,663 | 5,713 | 5,719 |
Yield (ton/ha) | 1.48 | 1.49 | 1.60 | 1.69 | 1.46 |
Output (tons) | 8,000 | 8,337 | 9,061 | 9,655 | 8,350 |
(Source: Quang Binh Provincial Statistical Yearbook, 2011) [20]
The data in Table 1.3 shows that the area, productivity and output of peanuts have continuously increased from a yield of only 1.48 - 1.49 tons/ha in 2006 - 2007, to 1.60 - 1.69 tons/ha in 2008 - 2009. In particular, in 2010, the yield was low at 1.46 tons/ha due to severe drought. The area of peanut cultivation has tended to increase because it is a traditional crop, can be grown on many different types of soil, has a large consumer market, and prices are quite stable. On the other hand, in recent times, thanks to the transfer of advanced peanut cultivation techniques, peanut production has become increasingly effective. The expansion of peanut cultivation area thanks to rotation, intercropping, and intercropping with other crops such as cassava and rubber in the period
9
Basic construction... has been carried out quite well by the people. In addition, peanuts are an upland crop that the province has focused on investing in development, so in recent years, the province has allocated a significant portion of its budget to subsidize technical peanut varieties and lime for peanuts, creating conditions for people to expand the area and increase intensive investment. However, although the peanut growing area of the province is currently the 15th largest among 62 peanut growing provinces and cities in the country, the yield is still much lower than the national average yield (2.1 tons/ha in 2010). This is partly due to the fact that the land conditions have not been properly invested in for many years and are now depleted of nutrients. Another reason is that more than half of the current peanut growing area is located in poor and backward residential areas, so they lack the qualifications or ability to invest. Peanuts are mainly grown in captivity, with a yield of only 1.2 - 1.3 tons/ha.
1.2. STUDIES ON VIETNAM'S SEA SANDY SOIL
1.2.1. Physical and chemical characteristics of soil
1.2.2.1. Physical properties
Coastal sandy soils have fine sand grain size (0.25 - 0.01 mm) which accounts for the majority, in some places up to 70 - 95%, while physical clay (< 0.001 mm) rarely exceeds 10 - 15%. The change in grain size in the soil depends on the primary mineral composition and the distance to the coast. The bulk density of coastal sandy soils varies from 1.4 - 1.7 and the specific gravity from 2.6 - 2.7, while the porosity fluctuates from 35 - 45% and the field moisture capacity is very low [50].
Research by Nguyen Van Toan (2004) showed that the physical clay content (<0.002 mm) is very different in different types of coastal sand soils: white sand dune soil fluctuates in soil layers at 1.6 - 1.8%, yellow sand dune soil fluctuates around 2.6 - 2.8%, typical coastal sand soil fluctuates around 8.4 - 10.0% and gley sand soil fluctuates around 10 - 11% [87].
1.2.2.2. Chemical properties
The results of analyzing large volumes of samples collected from many different places also showed that sandy soil is very poor in humus with a fluctuation range of 0.5 - 1.5%, poor in nitrogen with a fluctuation range of 0.05 - 0.5%, especially total phosphorus and available phosphorus are very poor, total phosphorus fluctuates from 0.03 - 0.05% P 2 O 5 and available phosphorus is only in trace form < 2.5 mg - 10 mg P 2 O 5 [61], [97].
Phan Lieu's research has shown other chemical indicators such as: SiO 2 (75
- 90%), Fe 2 O 3 (1.2 - 9.8%), Al 2 O 3 (0.95 - 18.2%), TiO 2 (0.1 - 0.8%), MnO ( 0.006 -
0.136%). Very low absorption capacity (only 3 - 5 lđl/100g) of soil and base saturation fluctuates.
from 40 - 60% [29], [61].
Research by Nguyen Van Toan (2004) showed that there are significant differences between soil types in the coastal sand soil group due to the impact of natural factors and cultivation. Coastal sand soil has a moderate to slightly acidic reaction, the organic content in the surface layer is on average 1.2% and decreases in the next layer (0.8%). Total nitrogen is average (0.03 - 0.06%), total phosphorus is average (0.02 - 0.03%), potassium is very poor (0.5%) [87].
1.2.2.3. Morphology, physical and chemical properties of some types of Vietnamese coastal sand
Red sand dunes
Binh Thuan province
White and yellow sand dunes in Quang Binh province | Typical beach sand of Nghe An province | |
Symbol: VN 46 |
Symbol: VN 41 |
Symbol: VN 25 |
Figure 1.1. Soil profile of some coastal sandy soils in Vietnam (Source: Vietnam Soil Museum - Institute of Soil and Fertilizer Chemistry)
Table 1.4. Physical and chemical characteristics of red sand dune soil in Binh Thuan province (VN46 profile)
Depth (cm)
Bulk density (g/cm3) | Proportion | Porosity (%) | Humidity (%) | Proportion (%) of grain sizes (mm) | |||||
2.0-0.2 | 0.2-0.02 | 0.02- 0.002 | < 0.002 | ||||||
0- 20 | 1.48 | 2.63 | 44.0 | 3.65 | 29.4 | 67.2 | 1.7 | 1.7 | |
20- 35 | 1.51 | 2.65 | 43.0 | 3.90 | 24.8 | 69.1 | 1.6 | 4.5 | |
35- 90 | 1.52 | 2.64 | 42.0 | 5.05 | 22.6 | 67.7 | 0.2 | 9.5 | |
90- 120 | 1.43 | 2.64 | 46.0 | 6.08 | 21.4 | 67.1 | 1.0 | 10.5 | |
Depth (cm) | Total content (%) | Digestible content (mg/100g soil) | pH | ||||||
OC | N | P2O5 | K2O | P2O5 | K2O | H 2 O | KCl | ||
0- 20 | 1.43 | 0.08 | 0.03 | 0.15 | 2.78 | 3.76 | 5.1 | 4.2 | |
20- 35 | 1.12 | 0.07 | 0.03 | 0.15 | 3.55 | 2.76 | 5.2 | 4.1 | |
35- 90 | 0.09 | 0.05 | 0.03 | 0.17 | 3.23 | 2.67 | 5.0 | 4.0 | |
90- 120 | 0.29 | 0.01 | 0.03 | 0.15 | 2.35 | 2.35 | 5.0 | 4.0 | |
Depth (cm) | Cation exchange (lđl/100g soil) | CEC (lđl/100g soil) | BS(%) | ||||||
Ca 2+ | Mg2 + | K + | Na + | Total | Land | Lightning | |||
0- 20 | 0.53 | 0.14 | 0.08 | 0.01 | 0.76 | 1.04 | 3.35 | 73.0 | |
20- 35 | 0.80 | 0.16 | 0.08 | 0.00 | 1.04 | 1.20 | 3087 | 86.6 | |
35- 90 | 0.62 | 0.16 | 0.08 | 0.00 | 0.86 | 1.12 | 3.12 | 76.7 | |
90- 120 | 0.23 | 0.07 | 0.05 | 0.02 | 0.37 | 1.12 | 3.12 | 33.0 | |
(Source: Vietnam Soil Museum - Institute of Soil and Fertilizer)
Table 1.5. Physical and chemical characteristics of white-yellow sand dune soil in Quang Binh province (VN41 profile)
Depth (cm)
Dung weight (g/cm3) | Proportion | Degree Styrofoam (%) | Degree humidity (%) | Proportion (%) of grain sizes (mm) | ||||
2.0-0.2 | 0.2-0.02 | 0.02- 0.002 | < 0.002 | |||||
0- 30 | 1.31 | 2.62 | 50.0 | 3.1 | 3.8 | 96.2 | 0 | 0 |
30- 150 | 1.35 | 2.61 | 48.3 | 3.2 | 2.2 | 97.8 | 0 | 0 |
Depth (cm)
Total content (%) | Digestible content (mg/100g soil) | pH | ||||||
OC | N | P2O5 | K2O | P2O5 | K2O | H 2 O | KCl | |
0- 30 | 0.08 | streak | streak | 0.02 | 0.27 | 3.01 | 6.3 | 5.4 |
30- 150 | 0.02 | streak | streak | 0.01 | 0.32 | 3.01 | 6.3 | 5.3 |
Depth (cm) | Cation exchange (lđl/100g soil) | CEC (lđl/100g soil) | BS(%) | |||||
Ca 2+ | Mg2 + | K + | Na + | Total | Land | Lightning | ||
0- 30 | 0.16 | streak | 0.06 | 0.03 | 0.25 | 0.80 | 0.0 | 31.2 |
30- 150 | 0.08 | streak | 0.06 | 0.02 | 0.16 | 0.48 | 0.0 | 33.3 |
(Source: Vietnam Soil Museum - Institute of Soil and Fertilizer)
Depth (cm) | Bulk density (g/cm3) | Proportion | Porosity (%) | Humidity (%) | Proportion (%) of grain sizes (mm) | |||
2.0-0.2 | 0.2-0.02 | 0.02- 0.002 | < 0.002 | |||||
0- 20 | 1.51 | 2.65 | 43.0 | 24.3 | 0.4 | 76.4 | 11.6 | 11.6 |
20- 40 | 1.40 | 2.64 | 47.0 | 22.3 | 0.2 | 71.1 | 8.7 | 20.0 |
40- 90 | 1.43 | 2.73 | 47.6 | 28.6 | 1.5 | 80.3 | 5.7 | 12.5 |
90- 150 | 1.44 | 2.68 | 46.3 | 31.2 | 0.1 | 96.2 | 1.5 | 2.2 |
Depth (cm) | Total content (%) | Digestible content (mg/100g soil) | pH | |||||
OC | N | P2O5 | K2O | P2O5 | K2O | H 2 O | KCl | |
0- 20 | 0.52 | 0.06 | 0.10 | 0.22 | 5.50 | 3.76 | 7.5 | 6.3 |
20- 40 | 0.17 | 0.02 | 0.04 | 0.40 | 4.25 | 2.35 | 7.0 | 6.2 |
40- 90 | 0.09 | 0.01 | 0.05 | 0.51 | 2.00 | 2.35 | 7.9 | 6.4 |
90- 150 | 0.04 | 0.01 | 0.06 | 0.50 | 3.70 | 2.35 | 8.2 | 6.9 |
Table 1.6. Physical and chemical characteristics of typical coastal sandy soil in Nghe An province (VN25 profile)
Depth (cm) | Cation exchange (lđl/100g soil) | CEC (lđl/100g soil) | BS(%) | |||||||
Ca 2+ | Mg2 + | K + | Na + | Total | Land | Lightning | ||||
0- 20 | 2.24 | 0.31 | 0.08 | 0.08 | 2.71 | 9.00 | 25.11 | 30.1 | ||
20- 40 | 2.33 | 0.23 | 0.05 | 0.08 | 2.69 | 7.76 | 19.94 | 34.6 | ||
40- 90 | 2.44 | 0.26 | 0.05 | 0.08 | 2.83 | 5.68 | 15.85 | 49.8 | ||
90- 150 | 2.52 | 0.62 | 0.05 | 0.26 | 3.45 | 7.04 | 22.74 | 49.0 | ||
(Source: Vietnam Soil Museum - Institute of Soil and Fertilizer)
1.2.2. Terrain characteristics
According to Phan Lieu's research (1986), Vietnam's coastal sand runs along the country's coastline and has three types of sand tectonic plates with different colors: The terrain that creates yellow sand is widely distributed along the coast and adjacent to modern beaches. It creates mobile sand dunes 20 - 30 m high or more. The average width of the yellow sand strip is about 0.5 - 3 km, but in some places it is up to 7 - 8 km wide (Quang Binh and Hoi An); The white sand terrain is widely distributed along the coast, on the islands and is mainly concentrated in the middle part from the coast of Binh Tri Thien to Binh Thuan. Under the influence of the sea wind blowing from the east, sand dunes with a height of 5 - 7 m have appeared here, the thickness of the sand layer according to survey data is 15 - 20 m deep; The red sand terrain is mainly concentrated in Ninh Thuan province where the rough sand layers are still preserved in the sand mass [61].


![Powder Coating Production Situation in Vietnam [33]](https://tailieuthamkhao.com/en/uploads/2024/12/22/powder-coating-production-situation-in-vietnam-33-120x90.jpg)


![Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
zt2a3ge
zc2o3n4t5e6n7ts
At that time, the Branch had to set aside a provision for credit risks, which reduced the Branchs income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giangs profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project Restructuring the system of credit institutions in the period 2011-2015 approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services.
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giangs products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Ministers Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giangs treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giangs income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giangs corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giangs card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
div.maincontent .content_head3 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .p { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; }
div.maincontent p { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; }
div.maincontent .s1 { color: black; font-family:Courier New, monospace; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s2 { color: black; font-family:Times New Roman, serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 13pt; }
div.maincontent .s3 { color: black; font-family:Times New Roman, serif; font-style: italic; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s4 { color: black; font-family:Times New Roman, serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s5 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s6 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s7 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13.5pt; }
div.maincontent .s8 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; }
div.maincontent .s9 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -2pt; }
div.maincontent .s10 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: 5pt; }
div.maincontent .s11 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -5pt; }
div.maincontent .s12 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -3pt; }
div.maincontent .s13 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -4pt; }
div.maincontent .s14 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 7.5pt; }
div.maincontent .s15 { color: black; font-family:Times New Roman, serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s16 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s17 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9.5pt; }
div.maincontent .s18 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -1pt; }
div.maincontent .s19 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -5pt; }
div.maincontent .s20 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -2pt; }
div.maincontent .s21 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10pt; }
div.maincontent .s22 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s23 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -3pt; }
div.maincontent .s24 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -5pt; }
div.maincontent .s25 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s26 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -4pt; }
div.maincontent .s27 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -6pt; }
div.maincontent .s28 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -1pt; }
div.maincontent .s29 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11.5pt; }
div.maincontent .s30 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11pt; }
div.maincontent .s31 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11pt; }
div.maincontent .s32 { color: black; font-family:.VnTime, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s33 { color: black; font-family:Cambria, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s34 { color: black; font-family:Cambria, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -4pt; }
div.maincontent .s35 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11.5pt; }
div.maincontent .s36 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s37 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 13pt; }
div.maincontent .s38 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13pt; }
div.maincontent .s39 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 15pt; }
div.maincontent .s40 { color: black; font-family:Times New Roman, serif; font-style: normal; fo](https://tailieuthamkhao.com/uploads/2022/06/06/dich-vu-phi-tin-dung-tai-ngan-hang-thuong-mai-co-phan-dau-tu-va-phat-8-1-120x90.png)


