D. Vegetable dyes.
20. Choose fresh, clean foods except :
A. With vegetables and fruits: Choose fresh vegetables and fruits, not bruised, and without strange odors.
B. Meat must pass veterinary quarantine and meet fresh meat standards.
C. Fish and other seafood must be fresh and retain their normal color.
Maybe you are interested!
-
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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Food safety and commodities Restaurant Management - Dalat College of Technology - 2 -
Food Safety Control in Food Service Business -
Practical Enforcement of the Law on Consumer Rights Protection in the Field of Food Hygiene and Safety in Binh Duong -
Food processing - restaurant operations - 2
D. Processed foods only need to be canned or packaged.
21. Keeping the eating and food preparation areas clean requires:

A. Food processing areas do not have stagnant water, toilets or livestock areas, and waste that pollutes the environment.
B. All surfaces used for food preparation must be easy to clean, clean and dry.
C. A and B are correct.
D. A and B are wrong.
22. Prepare food cleanly and cook thoroughly except :
A. Vegetables and fruits must be soaked in clean water and then washed thoroughly under running water or in a basin, changing the water 3-4 times.
B. Frozen foods must be completely thawed and washed before cooking.
C. Pay attention to the meat near the bone. If it is still pink or bloody, it must be reboiled until fully cooked.
D. All are wrong
23. Eating food immediately after it is cooked or prepared is:
A. Cooked food left to cool at room temperature is susceptible to bacteria invasion and growth.
B. To ensure safety, you should eat hot food immediately after cooking.
C. For foods such as bananas, oranges, and melons, you should eat them immediately after peeling and cutting them.
D. All are correct.
24. Maintain good personal hygiene Is:
A. Caregivers should wash their hands with soap and clean water before feeding or handling food, after using the toilet, and after handling raw food.
B. Wear white clothes and keep your hair neat when preparing food.
C. Wash your nails thoroughly.
D. If there is a wound on the hand, it needs to be bandaged.
25. In Vietnam, among the 10 causes of death, the cause of intestinal pathogens ranks:
A. Third place
B. Second place
C. Correct 4th row
D. Ranked 1st.
LESSON: 5
FOOD POISONING PREVENTION
Time 4 periods
TARGET:
1. Present the concept and know how to classify food poisoning.
2. Describe clinical symptoms, epidemiological characteristics and preventive measures for some types of bacterial and non-bacterial food poisoning.
CONTENT:
1. GENERAL INFORMATION ABOUT FOOD POISONING:
1.1. Concept:
- Food poisoning is a disease caused by eating food contaminated with bacteria, bacterial toxins or food containing substances that are toxic to the eater.
1.2. Classification of food poisoning:
- Currently, scientists classify food poisoning based on the following causes:
- Food poisoning caused by bacteria and bacterial toxins: Common food poisoning is caused by Staphylococcus, Salmonella, Clostridium Botulinum, E.Coli...
- Non-bacterial food poisoning:
+ Benign food poisoning: is a case of hypersensitivity allergy often caused by shrimp, crab, fish, clams... only found in some people with natural allergies.
+ Food poisoning caused by food itself containing natural toxins such as poisonous mushrooms, sprouted potatoes, cassava, puffer fish, toads, etc.
+ Food poisoning is caused by food being contaminated by environmental toxins during the production, processing, and preservation of food. This category includes fungal toxins, pesticides, and additives added to food.
1.3. Risk factors (increased risk of toxicity):
- Food contamination: Poor food hygiene, cross-contamination, unclean utensils.
- Factors related to bacterial survival such as undercooked food, not reheated before eating...
- Factors related to bacterial growth such as insufficient cold storage...
2. FOOD POISONING AND PREVENTION MEASURES:
2.1. Food poisoning caused by Salmonella:
2.1.1. Characteristics:
- This is a type of infection, food poisoning, in which the patient shows signs of infection and poisoning, mainly digestive disorders, related to violations of hygiene regulations when processing, preserving, distributing and using food. The disease often occurs in the summer and occurs in all ages.
- The main causes of poisoning are paratyphoid bacteria, of which the leading are Salmonella Typhi Murium, Salmonella Cholera, Salmonella Enteritidis...
- Salmonella is a Gram (-) bacillus without spores, aerobic or facultative anaerobic, the bacteria grow at a suitable temperature of 37 o C and pH = 7.6. It is heat-resistant, can be destroyed at 50 o C within 1 hour, at 70 o C in 15 minutes and at 100 o C in 5 minutes.
- The ability to cause food poisoning due to Salmonella requires 2 conditions:
+ Food contaminated with a large amount of bacteria.
+ Bacteria entering the body release a large amount of toxins. Depends a lot on the reaction of each person's body.
- This explains the phenomenon of many people eating the same food but some get food poisoning, some don't, some get severe food poisoning, some get mild food poisoning...
2.1.2. Clinical:
- Incubation period is from 12 to 24 hours, sometimes shorter or longer than a few days.
- The first signs are: nausea, headache, discomfort, possibly mild fever, abdominal pain. Then vomiting, diarrhea many times, stools are watery, sometimes bloody. The patient returns to normal after 2 - 3 days, leaving no sequelae.
- In special cases, the patient has symptoms similar to typhoid fever such as very high fever, general fatigue, pain in the lumbar region and muscles, very mild or absent digestive symptoms, so it is easy to misdiagnose.
2.1.3. Epidemiology:
- The main sources of disease are: Animals such as cows and pigs with paratyphoid, chickens with white feces...
- The most dangerous source of infection is paratyphoid enteritis and typhoid in buffalo and cattle because it is difficult to diagnose in these animals.
- The second dangerous source is clinically healthy animals that carry and excrete bacteria in their feces, sometimes in their urine. Sources of excretion of dangerous bacteria are chickens, ducks, etc.
- Food poisoning is often food of animal origin such as meat, poultry, etc. Eggs, fish, milk, in smaller proportions.
- Foods that cause food poisoning often have high humidity, non-acidic pH, especially cooked foods used as cold foods such as pate, sausages... are often the cause of poisoning due to Salmonella.
- Waterfowl eggs can be infected with Salmonella early in the embryo, so absolutely do not eat these eggs raw or half-cooked like chicken eggs.
2.1.4. Disease prevention measures:
- Preventing the phenomenon of carrying bacteria and eliminating Salmonella bacteria in livestock farms.
- Do not kill sick and dead animals.
- Standardize slaughtering and veterinary hygiene in production at slaughterhouses.
- Food testing in meat production and delivery.
- Check the veterinary hygiene of meat and the veterinary hygiene regime in the market.
- Monitor and control hygiene at milk production and trading sites.
- Refrigerate cooked food and ingredients before processing to inhibit bacterial growth.
- Ensure proper storage of prepared food and ingredients.
- Implement separate, one-way production lines in cooked food production facilities and public dining establishments to avoid cross-contamination and bacterial spread.
- Strictly implement the medical examination and periodic examination regime for those who come into direct contact with food, especially cooked food.
- The best prevention is to cook food thoroughly and reboil it before eating.
2.2. Staphylococcal poisoning:
2.2.1. Characteristics:
- Staphylococcus is scattered in nature and is only toxic when it forms enterotoxin. The staphylococcus that produces enterotoxin is Staphylococcus aureus. Staphylococcal poisoning is not an infection but a poisoning.
- Withstand high temperatures to remove toxins, food must be boiled for 2 hours, not destroyed by alcohol, chlorine, acidic pH.
- The growth rate and toxin production of staphylococcus depend on environmental conditions. The favorable temperature for staphylococcus growth is: 37 - 40 0 C, pH 4 - 9.8. At 0 4 - 6 0 C, bacteria grow slowly. At salt concentration > 12%, staphylococcus stops growing.
2.2.2. Clinical:
- Short incubation period of 1-6 hours, average is 4 hours. This is an important sign to differentiate from Salmonella poisoning.
- Full-blown period: Dizziness, nausea, severe vomiting, abdominal cramps and diarrhea, headache, rapid pulse, normal heart rate or mild fever due to dehydration. The disease completely recovers after 1 - 2 days, rarely fatal.
2.2.3. Epidemiology:
- Source of infection: The main source of staphylococcus in nature is human skin and mucous membranes, followed by dairy cows with mastitis. About 50% of healthy people carry pathogenic and non-pathogenic staphylococcus. Staphylococcus carriers are most concentrated in the nose, throat, and hands. Healthy people carry less dangerous bacteria than sick people. The conditions for infection are very easy: runny nose, coughing, sneezing, and pathogenic staphylococcus can also be found in the feces of healthy people.
- Foods often contaminated with staphylococcus:
+ Milk and dairy products: Mostly found in fresh milk (14.6%), cream
(6.8%), milk is sterilized by Pasteur method, staphylococcus is greatly reduced to only 0.66%.
+ Oily fish products: During the packaging process, ingredients such as fish can be contaminated with staphylococcus and produce toxins. When sterilized, staphylococcus can be destroyed but staphylococcus toxins remain. Therefore, cases of food poisoning due to eating canned products can still occur.
+ Cakes with cream and milk: Cakes with high sugar content > 60% bacteria and staphylococci cannot grow. Cakes with cream and milk with sugar content < 60% staphylococci can grow and produce toxins.
However, not only cakes with cream and milk can cause poisoning, but other foods such as meat and fish are also favorable environments for staphylococcus to grow and produce toxins that cause poisoning.
2.2.4. Disease prevention measures:
- Strengthen food hygiene inspection and hygiene when preparing food.
- Check the health of food service staff. People with sore throat, rhinitis, or respiratory tract infections should not come into contact with food.
- Do not use milk from cows with mastitis.
- Cooked food should be kept at 0 2 - 4 0 C.
2.3. Food poisoning caused by Clotridium Botulinum:
2.3.1. Characteristics:
- Is acute poisoning, high mortality.
- The disease occurs after eating food, sauces, pate, sausages...
- Clotridium Botulinum bacteria, absolutely anaerobic, has spores, favorable for bacterial growth at 26 - 28 o C. Bacteria's temperature resistance is poor but spores are resistant to high temperatures and salt concentrations. At 100 0 C, it can withstand 6 hours, at 120 0 C, it can withstand 5 minutes.
2.3.2. Clinical:
- Incubation period is from 6 - 24 hours or lasts for several days depending on the amount of bacterial toxins.
- The earliest sign is paralysis of the eyes, then the palate, uvula, stomach, intestines...
- The second sign is thermal dissociation (fast pulse, normal temperature).
- Lasts 4 - 8 days, if not treated early and promptly the disease will be fatal.
2.3.3. Prevention measures:
- Do a good job of refrigeration, especially cold food made from canned, salted, smoked meat and fish...
- All meat and fish products that show signs of spoilage should not be used as food or packaged.
- Do not use containers with signs of bulging lids.
- For suspicious food, boil again for at least 1 hour .
- For fish that need to be kept after being caught, gut, gills, scales must be removed, then washed, salted and refrigerated immediately.
- The best way is to boil before eating.
2.4. Prevention of non-bacterial food poisoning:
2.4.1. Mold poisoning:
- Mycotoxins are quite stable at t0 , boiling is ineffective. There is no specific medicine. - To prevent poisoning, it is necessary to ensure good food, mainly plant foods:
+ With corn, noodles, rice: keep dry, cool and free of mold.
+ With dry foods such as peanuts, sesame, coffee... These are foods that easily absorb moisture. To preserve them well, dry them with the shell intact, store them in a clean, sealed container, and occasionally dry them again.
+ With dipping sauces like soy sauce, you must check regularly.
2.4.2. Poisoning from cassava, bamboo shoots, and sprouted potatoes:
- Cassava and bamboo shoots contain Glucozid acid which produces very toxic Cyanhydric acid. This acid is easily soluble in water, volatile, and when oxidized or combined with sugar, it turns into a non-toxic substance.
- Symptoms of poisoning: Appear quickly, about 30 minutes or 1 - 2 hours after eating, the first symptoms are a burning sensation on the tongue and throat, dizziness, headache, vomiting, palpitations, rapid breathing, and cyanosis. If severe, there may be chest pain, impaired consciousness, slow pulse, low blood pressure, coma, and respiratory arrest.
- Preventive measures:
+ Cassava: Peel, remove both ends, soak thoroughly in water for 12 - 24 hours; boil thoroughly, preferably twice, when boiling the lid will break. It is best to eat cassava with sugar or eat dried cassava.
+ Bamboo shoots: Soak for a long time, wash, boil and drain many times.
+ Sprouted potatoes: Contains very toxic Solanin. Symptoms: Mild abdominal pain and diarrhea, severe cases: dilated pupils, mild paralysis of both legs, possible death due to paralysis of the respiratory center, cardiac arrest due to myocardial damage. To prevent disease, do not eat sprouted potatoes, if you want to eat them, you must dig out the sprouts and the sprouts.
2.4.3. Poisoning from eating toads:
- Toxic resin concentrates in the subcutaneous glands and viscera, especially in the liver and in the eggs.
- Symptoms: After eating a few minutes to 1 hour. Depending on the amount of poison entering the body, symptoms will appear such as: dizziness, nausea, vomiting, headache, paralysis, digestive disorders, cardiovascular disorders, then paralysis of movement, difficulty breathing due to respiratory muscle spasms, paralysis of respiratory muscles, circulation and death.

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