Lesson 86
POSTNATAL NEWBORN CARE
TARGET
1. Present 10 contents of newborn care immediately after birth
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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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Basic Contents of Ho Chi Minh's Thought on Mass Mobilization Work -
Basic Contents of International Integration in Banking Sector -
Basic Contents of the Social Insurance and Retirement Law -
Basic Theoretical Contents of Enterprise Human Resource Development
2. Present 5 contents of newborn care in the days after birth

CONTENT
Infant morbidity and mortality rates depend on immediate postnatal care.
give birth
The care and feeding of children must ensure sterility and breastfeeding. This is
The principle must be thoroughly applied in maternity homes, hospitals, neonatal units, medical staff as well as the child's family.
I. Care immediately after birth
1. Clear the airways
Immediately after the baby's head comes out, the midwife uses clean gauze or a soft sterile cloth to wipe the baby's mouth and nose, or uses a suction tube to suck out the fluid and amniotic fluid in the baby's throat, pharynx, and two nostrils to prevent the baby from inhaling these fluids.
2. Clamp and cut the umbilical cord
Normally, wait until the umbilical cord stops pulsing before clamping and cutting the umbilical cord (in case of fetal distress, the umbilical cord needs to be cut immediately for emergency treatment without waiting for the umbilical cord to stop pulsing).
- Take the first clamp in the umbilical cord cutting box and clamp it 15-20cm from the umbilical cord. Use your hand to stroke the umbilical cord towards the mother, then use the second clamp, clamping it 1-2cm from the first clamp towards the mother.
- Using sterile scissors to cut between the two clamps, the midwife carries the baby to the umbilical cord table, dries and warms the baby.
3. Dry and keep the baby warm
Need to do it urgently to avoid losing heat from the baby, the navel table must have an electric heater (in places without a heater, use a light bulb to warm the navel table).
- Order of steps:
+ Dry head, face and neck area.
+ Dry the baby's armpits, stomach, buttocks, legs, back and arms, then dress and put on a hat.
4. Make navel
After draining the fluid, drying and keeping the baby warm, check to see if the baby is rosy and crying loudly, then change into a new pair of sterile gloves in the umbilical cord box and proceed with the umbilical cord.
* Steps to make navel:
- Lift the umbilical clamp, place a sterile gauze pad around the base of the umbilical cord.
- Use 700 alcohol to disinfect from the base of the umbilical cord up to the umbilical clamp. If using thread to tie the umbilical cord:
- Tie thread 1 (sterile) around 3cm from the umbilical cord, tie tightly to prevent bleeding. Cut the excess thread 1cm from the knot.
- Use thread 2 (sterile) to tie 0.5 - 1cm away from the first thread towards the umbilical clamp and do not cut the excess thread.
If using plastic clips to clamp :
- Use plastic clamps to clamp the navel instead of thread.
- Use sterile scissors to cut the remaining umbilical cord above the second knot.
- Check if the cutting edge is bleeding. If bleeding, tie it off (do not touch the cutting edge with your hands, even if you are wearing sterile gloves).
- Disinfect the cutting tip again with 70 0 alcohol .
- Use sterile gauze to cover the umbilical cord.
- Cut off the excess thread of the second thread.
- Bandage the navel moderately, not too tightly, using elastic bandage to ensure that the gauze covering the navel is completely covered.
5. Observe abnormalities
Pay attention to abnormalities such as: cleft lip and palate, extra or fused fingers and toes, no anus, genital abnormalities
6. Dress and diaper
Make sure clothes and diapers are clean and warm enough.
7. Weighing
8. Eye drops
Often use 1% Acgirol solution for eye drops to prevent neonatal conjunctivitis.
9. Vitamin K Injection 1
Vitamin K 1 is often used in 10mg x 1/10 ampoule intramuscular injection to prevent cerebral hemorrhage in children.
10. Give the baby to the family
II. Postpartum care
In the days after giving birth, you need to pay attention to the following issues:
1. Bathing a newborn baby
Bathing must be done with boiled and warm water, temperature from 35 - 37 0 C, bathroom must be closed without drafts, room temperature 25 0 C, bathing time under 5 minutes. Be careful not to let water get into the baby's ears, nose, eyes, or navel.
2. Keep warm
The baby's room must have a temperature > 25 0 C, wet diapers must be changed immediately, it is best to let the baby lie with the mother to take advantage of the mother's body heat.
3. Umbilical cord care
This is a continuous process and must be done immediately after birth until the umbilical cord falls off.
Principle: Asepsis during navel care.
- Normally the navel will fall off after 6-8 days. If the navel does not fall off after 10 days, the navel needs to be checked.
- If the navel is bleeding, it must be tied.
- If the navel is wet, smelly, the navel skin is red and swollen, it must be disinfected daily with 70 % alcohol or 10% Betadin solution (do not sprinkle antibiotic powder on the navel).
4. Encourage early breastfeeding
If the mother has enough milk, the baby should be breastfed exclusively until 6 months of age.
5. Monitor children daily
- Skin color: rosy.
- Breathing rate: 40 - 60 times/minute. If < 40 or > 60 times/minute is abnormal.
- Heart rate: 120 - 140 times/minute is normal.
- Body temperature: normal: 36.5 0 C – 37.4 0 C (armpit).
- Digestion: Children defecate 3-4 times/day with yellow stools.
- Urinary: Children must urinate after 24 hours, otherwise they must monitor for urinary and genital abnormalities.
Note : Signs to watch out for that require taking the child to a medical facility immediately:
- Children stop breastfeeding.
- High fever or hypothermia.
- Lethargic sleep difficult to wake up.
- Convulsion.
- Vomit a lot.
If your child has one or all of the above signs, it means he or she is in critical condition.
VALUATION
Question 1. Describe the technique of tying and cutting the umbilical cord of a newborn after birth?
Question 2. Name 10 newborn care contents? Explain the steps to make a baby's navel?
Question 3. Describe skin care and bathing for newborns?
Question 4. Describe the process of checking, weighing and warming a newborn baby?
Choose short answers for questions 5 – 10:
Question 5: Name two types of medicine used to drop eyes for newborns: A: .................................
B: ..................................
Question 6: The substance on the skin of newborns has 2 effects: A: .................................
B : ..................................
Question 7: Two types of antiseptics used to change the umbilical cord bandage for newborn babies are: A: .................................
B : ..................................
Question 8: When tying and cutting the umbilical cord, two principles must be ensured: A: .................................
B : ..................................
Question 9: Two measures to keep babies warm in winter are often applied: A: .................................
B : ..................................
Question 10: In the newborn period, the umbilical cord falls off but is wet and has yellow fluid. What should be done? A: .................................
B : ..................................
Lesson 87
ectopic pregnancy
TARGET
1. Describe the concept, causes, and symptoms of ectopic pregnancy.
2. Describe the treatment of ectopic pregnancy at primary health care facilities and how to prevent ectopic pregnancy .
CONTENT
Normally, after fertilization, the egg will nest in the bottom of the uterus. If for some reason the egg nests outside (fallopian tube, ovary, in the abdomen), it is called ectopic pregnancy.
This is an obstetric bleeding emergency that can be fatal if not detected and treated promptly.
1. Cause
- Salpingitis.
- Multiple abortions.
- Compressive tumors: mesenteric tumors, ovarian tumors, etc.
- Congenital fallopian tube stenosis
- Abnormal contraction of the fallopian tubes.
- In addition, it is possible that sperm move quickly or that the egg develops strongly.
2. Clinical symptoms of ruptured ectopic pregnancy
2.1. Potential energy
- Amenorrhea, delayed menstruation or menstrual disorders.
- Bleeding: This is a common symptom. Blood comes out in small amounts, black in color.
- Abdominal pain: usually dull pain in the lower abdomen, sudden severe pain can cause dizziness or fainting.
2.2. Whole body
Hemorrhagic shock
2.3. Entity
- Look: Abdominal distension.
- Palpation: abdominal wall reaction
- Percussion: Low-level dullness.
- Vaginal examination: Blood comes out through the hand. The Douglas pouch is swollen and painful, called Douglas's cry.
Douglas pouch puncture revealed dark, thin, non-coagulated blood.
3. Clinical morphology
3.1. Unruptured ectopic pregnancy
- Patients have symptoms: Amenorrhea, abdominal pain, vaginal bleeding.
- Examination: Next to the uterus there is a soft mass, clear boundary, painful to touch, soft fornix.
trade
- Ultrasound. There is no pregnancy in the uterus, there is a pregnancy mass in one fallopian tube.
3.2. Ectopic pregnancy with hematoma into cyst
- Based on the patient's medical history, there was a delay in menstruation, vaginal bleeding, lower abdominal pain, which suddenly became sharp and then decreased.
Expression.
- Little bleeding, black color.
- Pain in lower abdomen.
- Signs of compression: Difficulty urinating, constipation.
- Whole body: Anemia, pale skin.
- Examination: There is a mass in the lower abdomen with unclear boundaries.
-Internal examination: Solid tumor, unclear boundary, painful to touch, tumor puncture can see black blood.
3.3. Abdominal pregnancy : rare.
4. Diagnosis
4.1. Definitive diagnosis
- Based on symptoms of amenorrhea, abdominal pain and vaginal bleeding
- Sudden abdominal pain and possible dizziness.
- The pouch of Douglas is full and painful.
- Douglas pouch puncture revealed dark, non-clotted blood.
4.2. Differential diagnosis
4.2.1. Adnexitis
The patient had clear symptoms of infection. Pain on both sides of the pelvis, negative biological reaction, vaginal examination showed thickened ipsilateral pouch, unclear boundary. Antibiotic treatment reduced symptoms.
4.2.2. Miscarriage
The uterus is large in proportion to the gestational age. Uterine curettage shows pregnancy. Pathology shows ectopic pregnancy and chorionic villi.
4.2.3. Appendicitis
If the pregnancy is on the right side.
5. Treatment and prevention
5.1. Treatment
* Primary health care
Ectopic pregnancy is an emergency that requires surgery as soon as possible. Therefore, when thinking about ectopic pregnancy, the following tasks need to be performed:
- Things not to do: Do not use pain relievers Do not have frequent vaginal exams Do not keep the patient for follow-up.
- What to do: Measure blood pressure.
Advise patients to limit travel.
Transfer the patient to a facility with surgical facilities.
If the ectopic pregnancy ruptures and causes shock, intensive resuscitation and then transfer to a surgical facility is required.
art
* Upline: Depends on the case.
- For sudden rupture of ectopic pregnancy, surgically cut the ruptured pregnancy and suture it.
blood is cut and returned to the patient.
- Other ectopic pregnancies: Clamp and cut the pregnancy mass and suture to stop the bleeding, remove the blood clot if it is a cystic hematoma.
5.2. Reserve
- Regular gynecological examination, detect cases of gynecological diseases (especially adnexitis) and treat promptly and thoroughly.
- Procedures must be performed in a sterile manner (abortion, curettage, intrauterine device placement).
.etc). After finishing, must give prophylactic antibiotics.
- Encourage pregnant women to register their pregnancy early to detect abnormalities, including ectopic pregnancy.
VALUATION
1. Describe the causes and symptoms of ruptured ectopic pregnancy?
2. Describe the treatment of ectopic pregnancy at primary health care facilities and how to prevent it?
* Short answer questions 3 - 5:
3. Functional symptoms of ruptured ectopic pregnancy are: A. ........................
B. ........................
C. ........................
4. Ectopic pregnancy needs to be differentiated from 3 cases: A. ........................
B. ........................
C. ........................
5. Three things that should not be done to a patient with ectopic pregnancy at the primary care level are: A. ........................
B. ........................
C. ........................
* Choose the best answer for questions 6-7 :
6. Which of the following locations of ectopic pregnancy usually does not show signs of delayed menstruation: A. Fallopian tube
B. Ovaries C. Cervix
D. Abdominal cavity E. Uterine isthmus
Lesson 88
Fetal death in the uterus
TARGET
1. Describe the causes, symptoms, and progression of complications of intrauterine fetal death.
2. Describe the treatment of fetal death in the uterus and how to prevent it.
CONTENT
1. General
A fetus that dies before labor begins at 22 weeks or more is called an intrauterine death (A fetus that dies before 22 weeks is considered a miscarriage).
Traditionally: A fetus that remains in the uterus for more than 48 hours is called an intrauterine death. A fetus that remains in the uterus for less than 48 hours is considered a death during labor.
The fetus is dead but sterile because of the amniotic membrane protection. If the amniotic membrane ruptures, it can cause infection to the mother.
A fetus in the uterus for a long time can cause blood clotting disorders. A dead fetus greatly affects the mother's psychology.
2. Clinical morphology
- Spontaneous absorption: Occurs in fetuses under 2 months.
- Atrophied form: Occurs in 3-4 month fetuses.
- Waterlogged form: Due to amniotic fluid absorption.
- Middle rot: Due to bacterial infection.
3. Causes
3.1. On the mother's side
- Acute infection influenza, pneumonia.
- Chronic diseases: Chronic nephritis, high blood pressure, heart failure
- Endocrine diseases: Diabetes.
- Due to uterine malformation.
3.2. On the fetal side
- Fetal malformation.
- Post-term pregnancy.
- Blood group incompatibility (Rh factor).
- Intrauterine malnutrition.
3.3. On the fetal appendages
- Short umbilical cord.
- Vegetable vine around the neck.
- Polyhydramnios, oligohydramnios.
4. Symptoms
- Function: No fetal movement, breast milk secretion, abdomen becomes smaller
- Entity: Uterus is smaller than gestational age
Can see the height of the uterus decrease after 2 examinations. No fetal heartbeat can be heard.
- Paraclinical.
+ Ultrasound: Has definite diagnostic value. The fetus does not move, no fetal heartbeat, there are signs of 2 rings in the skull due to the scalp peeling off. The skull is overlapping, little or no amniotic fluid.
+ X-ray (rarely used) skull superimposed (Spalding sign, flexed spine)
corner).
+ Blood test: Fibrinogenesis may be reduced.
5. Diagnosis
5.1. Definitive diagnosis . Based on:
- No fetal movement.
- Uterine height is reduced compared to gestational age.
- Can't hear fetal heartbeat.
- Ultrasound helps confirm the diagnosis.
5.2. Differential diagnosis
- Live fetus: Fetus moves normally.
Positive fetal heart rate.
Uterine height is proportional to gestational age.
- Molar pregnancy:
The patient had morning sickness.
Uterine height is larger than gestational age. Biological reaction is strongly positive.
Ultrasound: Image of ovarian cyst.
- Uterine fibroids: Patients have menorrhagia, uterine ultrasound shows fibroids
6. Progression - Complications
6.1. Progression : If not detected and treated, it can lead to miscarriage: Usually occurs at gestational age < 12 weeks.
Stillbirth: Same as normal birth.
6.2. Complications
- Bleeding
- Infection.
7. Treatment
7.1. Commune level ; Consulting on transfer to higher level
7.2. Upline. No rush.
- Test for fibrinogenesis, platelet count, bleeding time, clotting time, blood type.
If the fibrinogen is < 2g or the pregnant woman has other internal diseases, it is necessary to prevent bleeding complications during placental delivery (Prepare blood of the same group. Use Transamin 250 mg x 2 tubes/24 hours, intravenous injection twice).
- There are 2 ways to stimulate the fetus to come out.
Method 1: Oxytocin infusion.
How to use: Use Misoprostol (Citotex 200mg) to induce abortion.
* Note:- Do not break the amniotic sac. After the fetus is delivered, the uterus must be checked to be clean and uterine contractions must be increased with medication:
- Oxytocin 5 units x 2 intramuscular injections to prevent bleeding.
- Use antibiotics to fight infection.
- Mental support for mothers.
8. Disease prevention .
- Do a good job of protecting pregnant mothers.
- When pregnant, eat well and limit heavy labor.

![Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
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zt2a3gsnon-credit services, joint stock commercial bank
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At that time, the Branch had to set aside a provision for credit risks, which reduced the 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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