
Figure 4.30. NOESY spectrum of PK7
***Comments on the chemical composition of the Flatleaf Pine species
This is the first time in Vietnam and the second time in the world (the first since 1966) that the chemical composition of Pinus krempfii Lecomte has been published. The results of the thesis show that Pinus krempfii Lecomte contains many flavonoids, a class of substances commonly found in this genus. In addition to 6 flavonoids, a lignan compound, isolariciresinol, has been isolated and identified. Of the 7 isolated compounds, galangin and isolariciresinol are the two compounds isolated for the first time from this species.
According to the 1966 document, some substances were only identified by gas chromatography-mass spectrometry (GC-MS) and 1 H-NMR spectrum, so it is very possible that they were present in very small amounts that were not collected during the extraction and separation process - this explains why compared to the 1966 publication, some compounds were not identified.
According to many published documents, flavonoid compounds have many valuable biological activities and antioxidant activity is a typical activity of this class of substances.
Recent research results show that pinostrobin and tectochrysin both have the ability to inhibit breast cancer cells, while strobopinin and crytostrobin have activity against Staphylococcus aureus (ATCC 25923) and aeruginosa (ATCC 27853) bacteria [95], [96], [97]. With the two compounds isolated for the first time from this species, galangin, in addition to its good antibacterial ability, also has the ability to inhibit redox enzymes belonging to the polyphenol oxidase (OPD) group and isolariciresinol has a very strong antioxidant ability, even higher than vitamin E and butylated hydroxytoluene (BHT) [89], [98]. At a concentration of 2.5 μg/ml, while vitamin E only inhibited zymosan, the compound that activates polymorphonuclear leukocytes (PMNL) to produce free oxygen radicals, by 18.7%, the compound isolariciresinol could inhibit it up to 23.8%.
4.2. Results from Acanthopanaxtrifoliatus L. Merr.
4.2.1. Compounds isolated and identified from the species Acanthopanax
From the CH 2 Cl 2 extract of the stem and leaves of Acanthopanax cylindricalis, three lupane-framed triterpene compounds were isolated and identified, of which two compounds AT1 and AT2 were obtained with quite high content, used as raw materials for the later transformation process, and a new compound AT3 , discovered for the first time in nature.
4.2.1.1. 24-nor-11α-hydroxy-3-oxo-lup-20(29)-ene-28-oic acid (AT1)
Compound AT1 was isolated as a white solid. ESI-MS mass spectrum gave molecular ion peaks at m/z 479.2 [M+Na] + and 455.3 [ MH] - . Combined with 13 C - NMR spectral data , DEPT predicted the molecular formula of AT1 to be C29H44O4 .
The 1 H-NMR spectrum of AT1 gave signals of four quaternary methyl groups [δ H
0.998 (3H, s ); 1.02 (3H, s ); 1.20 (3H, s ); 1.70 (3H, s )], a secondary methyl group [δ H 0.997 (3H, d , J = 6.0 Hz), two olefinic protons [δ H 4.77 (1H, s ); 4.64 (1H, s )], and an oxymethine group [δ H 4.02 (1H, dt , J = 10.5 and 5.0 Hz)]. The 13 C-NMR and DEPT spectra gave signals for 29 carbons including a ketone group (δ C 214.3 s ), a carboxylic acid group (δ C 181.6), two olefinic carbons (δ C 110.3 and 149.7), an oxymethine carbon (δ C 70.6), five methyl groups, nine methylene carbons, six methine carbons and four
quaternary carbon. From the above spectral data, it is possible to predict that compound AT1 is a 24-nor-lupane triterpene compound. Comparing the 1 H, 13 C-NMR spectral data of this compound with the spectral data in references [19], [22] ( Table 4.9 ), the structure of compound AT1 was determined to be 24-nor-11 α -hydroxy-3-oxo-lup-20(29)-ene-28-oic acid.
Table 4.9. 1 H-, 13 C-NMR spectral data of AT1 and
24-nor-11α-hydroxy-3-oxo-lup-20(29)-ene-28-oic acid [19]
Location
AT1 | 24-nor-11 α -hydroxy-3-oxo-lup- 20(29)-ene-28-oic acid | |||
δ H a,b | δ C a,c | δH # | δ C # | |
1 | 42.3 | 43.0 | ||
2 | 37.6 | 38.1 | ||
3 | 214.3 | 212.7 | ||
4 | 45.0 | 45.1 | ||
5 | 53.2 | 53.8 | ||
6 | 22.0 | 22.3 | ||
7 | 33.9 | 34.4 | ||
8 | 42.1 | 42.3 | ||
9 | 53.9 | 54.4 | ||
10 | 38.1 | 38.6 | ||
11 | 4.02 (1H, dt , J = 10.5; 5.0) | 70.6 | 4.10 (1H, dt , J = 10.5; 5.5) | 70.0 |
12 | 37.8 | 38.3 | ||
13 | 37.3 | 37.7 | ||
14 | 42.4 | 42.8 | ||
15 | 29.6 | 30.2 | ||
16 | 32.1 | 32.9 | ||
17 | 56.3 | 56.6 | ||
18 | 48.6 | 49.4 | ||
19 | 46.7 | 47.5 | ||
20 | 149.7 | 150.9 | ||
21 | 30.5 | 31.3 | ||
22 | 36.9 | 37.4 | ||
23 | 0.997 (3H, d , J = 6.0) | 12.1 | 1.04 (3H, d , J = 6.5) | 12.4 |
24 | - | - | - | - |
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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 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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Initial Results and Comments -
Completing the organization of accounting for revenue, sales costs and determining business results at Hai Phong Paint Joint Stock Company - 1 -
Results of Testing Cronbach's Alpha Coefficient of Independent Variable -
Business Results of Quang Binh Tourism Industry in the Period 2014 - 2019
0.998 (3H, s ) | 13.8 | 1.06 (3H, s ) | 13.8 | |
26 | 1.02 (3H, s ) | 17.0 | 1.06 (3H, s ) | 17.5 |
27 | 1.20 (3H, s ) | 14.5 | 1.06 (3H, s ) | 14.7 |
28 | 181.6 | 178.8 | ||
29 | 4.77 (1H, s ); 4.64 (1H, s ) | 110.3 | 4.58 (1H, m ); 4.78 (1H, m ) | 110.1 |
30 | 1.70 (3H, s ) | 19.4 | 19.6 |
25
a Measured in CDCl 3 , b 500 MHz, c 125 MHz
# Spectral data of 24-nor-11 α -hydroxy-3-oxo-lup-20(29)-ene-28-oic acid measured in pyridine – d5 [19]
[M+Na] +
[M+H] +
Figure 4.31. ESI-MS mass spectrum (positive ion) of AT1
Figure 4.32. 1 H-NMR spectrum of AT1 ( 500 MHz, CDCl 3 )

Figure 4.33. 13 C-NMR and DEPT spectrum of AT1 (125MHz, CDCl 3 )
4.2.1.2. 24-nor-3α,11α dihydroxy-lup-20(29)-ene-28-oic acid (AT2)
Compound AT2 was isolated as a white powder. Combining the 13 C- NMR and DEPT spectral data and the molecular ion peaks at m/z 481.1 [M+Na] + and 457.4 [MH] - in the ESI-MS mass spectrum, the molecular formula of AT2 was predicted to be C 29 H 46 O 4 .
From the ESI-MS, 1 H-, 13 C-NMR mass spectral data, it was shown that AT2 has the same skeleton structure as AT1 and is a lupane triterpene acid. However, compared with the spectrum of AT1 , the 1D-NMR spectrum of AT2 does not have the signal of the carbonyl group at the C-3 position but instead there is the appearance of an oxymethin group [δ H 3.97 (1H, s ), δ C
71.8]. The hydroxyl group is identified at the 3α position thanks to the signal of H-3 in singlet form because if it is 3β , it must be in dt form . Compare the spectral data of AT2 with the literature.
[19] ( Table 4.10 ), allowing to identify the main AT2 substance as 24-nor-3 α ,11 α -dihydroxy- lup-20(29)-ene-28-oic acid.
Table 4.10. 1 H-, 13 C-NMR spectral data of AT2 and
24-nor-3 α ,11 α dihydroxy-lup-20(29)-ene-28-oic acid [19]
Location
AT2 | 24-nor-3 α ,11 α -dihydroxy-lup- 20(29)-ene-28-oic acid | |||
δ H a,b | δ C a,c | δH # | δ C # | |
1 | 32.1 | 35.0 | ||
2 | 29.2 | 30.7 | ||
3 | 3.72 (1H, s ) | 71.8 | 3.88 (1H, m ) | 70.9 |
4 | 34.7 | 36.6 | ||
5 | 44.9 | 45.6 | ||
6 | 20.4 | 17.8 | ||
7 | 34.2 | 35.8 | ||
8 | 42.2 | 42.7 | ||
9 | 53.4 | 54.1 | ||
10 | 38.5 | 39.3 | ||
11 | 3.97 (1H, dt , J =10.5;4.5) | 70.9 | 4.10 (1H, dt , J = 11.0;5.0) | 70.3 |
12 | 36.9 | 38.6 | ||
13 | 37.4 | 37.8 | ||
14 | 42.3 | 42.9 | ||
15 | 28.8 | 30.1 | ||
16 | 30.5 | 33.0 | ||
17 | 56.3 | 56.6 | ||
18 | 48.6 | 49.5 | ||
19 | 47.6 | 47.6 | ||
20 | 149.8 | 150.9 | ||
21 | 29.4 | 31.3 | ||
22 | 35.7 | 37.5 | ||
23 | 0.93 (3H, d , J = 7.0) | 13.1 | 1.08 (3H, d , J = 6.5) | 12.1 |
24 | - | - | - | - |
25 | 0.95 (3H, s ) | 14.5 | 0.98 (3H, s ) | 13.6 |
26 | 0.98 (3H, s ) | 17.2 | 1.05 (3H, s ) | 17.8 |
27 | 1.01 (3H, s ) | 16.9 | 1.11 (3H, s ) | 14.7 |
28 | 181.8 | 178.8 | ||
29 | 4.63 (1H, s ), 4.77 (1H, s ) | 110.1 | 4.60 (1H, m ); 4.79 (1H, m ) | 110.1 |
30 | 1.70 (3H, s ) | 19.4 | 1.65 (3H, s ) | 19.6 |
a Measured in CDCl 3 , b 500 MHz, c 125 MHz
# Spectral data of 24-nor-3 α ,11 α dihydroxy-lup-20(29)-ene-28-oic acid measured in pyridine [19]
[M+Na] +
[M+H] +
Figure 4.34. ESI-MS spectrum of AT2
Figure 4.35. 1 H-NMR spectrum of AT2 (500 MHz, CDCl 3 )

Figure 4.36. 13 C-NMR and DEPT spectrum of AT2 (125MHz, CDCl 3 )
4.2.1.3. 11α,23-dihydroxy-3-oxo-lup-20(29)-ene-28-oic acid (AT3)
The isolated compound AT3 was in the form of a white powder. The molecular formula of AT3 was C 30 H 46 O 5 determined by the molecular ion peak at m/z 487.3424 [M+H] + (theoretical calculation for the formula C 30 H 47 O 5 is 487.3423) in the high-resolution mass spectrum HR- ESI-MS. . The infrared spectrum showed the characteristic absorption peak of the hydroxyl group at ν max 3447cm -1 , the carbonyl group at ν max 1695cm -1 and the C=C group at ν max 1642cm -1 and 891cm -1 .
The 1 H-NMR spectrum of AT3 showed the presence of two olefinic protons at δ H 4.65 (1H, br s, H-29A), δ H 4.79 (1H, br s, H-29B), two doublets of the oxymethylene group

![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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