Table 4.19: Statistics of average values of the scales 59
Table 4.20: Statistics of values of components of Service capacity 60
Table 4.21: Statistics of values of the Empathy component variables 62
Table 4.22: Statistics of component variable values Response 64
Table 4.23: Statistics of values of component variables Reliability 65
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Satisfaction of import and export enterprises with the quality of customs services at the Ca Mau Provincial Customs Department - 1 -
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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Evaluation of insurance compensation for import and export goods transported by sea at Pjico Hanoi office in the period 2006-2008 and orientation for the new period - 13 -
Scope of Assessment of Current Status of Customs Procedures for Import and Export Goods by Sea in Ho Chi Minh City -
Benefits of the Economic Cooperation between Export-Import Enterprises of Vietnam and China
Table 4.24: Statistics of values of component variables Tangible means 67

LIST OF DRAWINGS
Figure 2.1: Proposed research model 25
Figure 3. 1: Research process 29
Figure 4.1: Random Deviation Error Distribution Chart 55
Figure 4.2: PP Plot 56 graph
THESIS SUMMARY
Three objectives are identified and clarified in this study. The first is to identify the components of service quality that impact the satisfaction of import and export enterprises at the Ca Mau Provincial Customs Department. The second is to identify the level of impact of each component on the satisfaction of import and export enterprises with the service quality of the Ca Mau Provincial Customs Department. Finally, to propose to the Board of Directors of the Ca Mau Provincial Customs Department the implications of managing the components that impact the satisfaction of import and export enterprises in order to further improve the satisfaction of import and export enterprises with the service quality of the unit, and to well implement the current administrative reform requirements.
From this study, fully inheriting the SERVQUAL model (Parasuraman, 1988), this study proposed a research model with five components (Tangibles, Reliability, Responsiveness, Service Competence, and Empathy) that affect the satisfaction of import and export enterprises with the quality of customs services at the Ca Mau Provincial Customs Department. Quantitative research was conducted through a survey questionnaire with a sample size of N = 180, the data used in the study was exploited from 169 valid survey samples.
The results of this study have identified five components that impact the satisfaction of import and export enterprises with the quality of customs services at the Ca Mau Provincial Customs Department in the order of the component with the strongest impact to the component with the lowest impact: Service capacity, Empathy, Responsiveness, Reliability, and Tangibles. In addition to the results achieved in the study, some management implications for each component that impacts the satisfaction of import and export enterprises are also proposed in this study to further improve the satisfaction of import and export enterprises with the quality of customs services at the Ca Mau Provincial Customs Department and help the Ca Mau Provincial Customs Department effectively implement the current administrative reform requirements.
Keywords: Public services, customs services, service quality, satisfaction.
ABSTRACT
This study identifies and clarifies three objects. Firstly, identifying the components of service quality that influence on the sactisfaction of export and import enterprises at Depatment of Ca Mau Customs. Secondly, identifying the impact degree of each component on the sactisfaction of export and import enterprises with the quality of services of Depatment of Ca Mau Customs. Finally, adverse imlipication policies for Ca Mau Customs Leader Board to manage these components that affect the sactisfaction of export and import enterprises to enhance the sactisfaction of export and import enterprises with service quality of the unit and tending to effectively implement public administrative reform that is set out today.
This study completely inherited the SERVQUAL model (Parasuraman, 1988), this research has proposed a research model with five components (Tangibles, Reliability, Responsiveness, Assurance, and Empathy) that influence on the sactisfaction of these customers with the quality of services of Depatment of Ca Mau Customs. Quantitative research has been conducted via survey questionnaires with the number of samples (N = 180), the data used in this research were exploited from 169 valid samples.
The study results have identified five components that affect the satisfaction of import and export enterprises on the quality of customs services at the Department of Ca Mau Customs in the order of ranking from the most impacted component to the lowest impacted component, detailed: Asurance, Empathy, Resposiveness, Realiability and Tangibles. In addition, relying on to the results of the study, some management implications for each component affecting the satisfaction of export and import enterprises are also proposed in this study to further enhance satisfaction of customers with the quality of customs at the Department of Ca Mau Customs and help the unit to well implement the current administrative reform requirements.
Keywords: public service, customs service, service quality, satisfaction.
CHAPTER 1: OVERVIEW OF THE STUDY
Chapter 1 presents an overview of the context and reasons for choosing the topic, research objectives, research questions, research objects and research methods.
1.1 . Background and reasons for choosing the topic
Currently, state administrative reform is a field of interest to many countries in the world. Countries consider administrative reform as a very important factor to promote socio-economic development, and at the same time, through administrative reform, to improve the effectiveness and efficiency of state operations; increase the ability to develop socio-economically. This reform not only has the meaning of an internal change but also reflects a new trend in state operations: state administration has developed in a positive progressive direction (shifting from governing administration to serving administration), providing public services to society.
One of the general trends of administrative reform in the world today is to build a leaner government that can operate more quickly and effectively to increase the competitiveness of the state in the context of globalization. The new public management model represents the trend of administrative reform in the world in some countries such as: "Reinventing the government (1993)" in the US, "New management model" in Germany, "Efficiency-oriented public administration" in Switzerland, ...
Vietnam is considered a country in the process of increasingly deep integration into the world economy and is not outside that general trend. In Vietnam, administrative reform is a major policy of the Party and State in the process of innovation and integration into the world economy. Indeed, in the Document of the 8th Central Conference (Session VII), it is mentioned: "State administrative reform is an important part of the innovation process, the focus of the process of building and perfecting the Socialist Republic of Vietnam". In order to realize the Party's innovation guidelines and policies, the Government has issued many resolutions and decisions such as: Decision 136/2001/QD-TTg dated September 17, 2001 Approving the Overall Software
State administrative reform in the period 2001-2010; Resolution 30c/NQ-CP dated November 8, 2011 Promulgating the Comprehensive Software for State Administrative Reform in the period 2011-2020; Resolution No. 35/NQ-CP dated May 16, 2016 On supporting and developing enterprises until 2020; Resolutions No. 19/NQ-CP issued in 2014, 2015, 2016, 2017, 2018 On improving the business environment, enhancing national competitiveness; ...
Contribute to the country's innovation, as a specialized agency under the Ministry of Finance to assist the Government in state management in terms of expertise. The Customs sector always identifies administrative reform as a key political task, under the responsibility of all units and individuals in the sector; carried out regularly and continuously. In fact, the results at the Conference announcing the report on the level of satisfaction of enterprises with import-export administrative procedures in 2018 (the result of the coordination between the General Department of Customs in coordination with the Vietnam Chamber of Commerce and Industry (VCCI) and the United States Agency for International Development (USAID) to conduct a survey of import-export enterprises nationwide): Of the more than 2,900 enterprises responding, 85% of enterprises said they sought support from the Customs agency when encountering difficulties in carrying out customs administrative procedures; According to business assessment, 79% of businesses commented that the support from the Customs authority was “mostly and completely” timely and 84% of businesses commented that the support from the Customs authority was mostly or completely effective; 70% of businesses recommended continuing to simplify administrative procedures.
Determining the importance of administrative reform and improving administrative reform as a major requirement, Ca Mau Provincial Customs Department is determined in implementing it; focusing on ensuring the quality of services provided; bringing satisfaction to people and import-export enterprises in the process of using services at Ca Mau Provincial Customs Department.
Besides, a strategy related to success is the provision of guaranteed service quality, especially in times of fierce competition both domestically and internationally (Rao and Kelkar, 1997) and service quality is the premise of satisfaction.
of consumers (Cronin and Taylor, 1992). Therefore, the Customs Department of Ca Mau province needs to ensure the quality of its services to achieve satisfaction of import and export enterprises every time they use customs services at the unit. Moreover, satisfying import and export enterprises also means that the Customs Department of Ca Mau province has successfully implemented the policy of administrative reform, promoting and creating favorable conditions for enterprises.
It is for the reasons stated above, together with the fact that up to now, the measurement of the implementation results and service efficiency that the Ca Mau Provincial Customs Department brings to import and export enterprises, as well as the research on the satisfaction of import and export enterprises with the quality of customs services at the unit, has hardly been carried out. Therefore, the author chose the research topic " Satisfaction of import and export enterprises with the quality of customs services at the Ca Mau Provincial Customs Department" to measure the satisfaction of import and export enterprises with the quality of customs services provided, thereby proposing to the unit's leaders the management implications to improve the satisfaction of import and export enterprises - contributing to meeting the requirements of the current administrative reform policy.
1.2. Research objectives
Identify the components that make up the quality of customs services at the Ca Mau Provincial Customs Department.
Measuring the impact of components on the satisfaction of import and export enterprises in the management area of Ca Mau Provincial Customs Department.
Proposing management implications from the research results to further improve the satisfaction of import and export enterprises - contributing to the good implementation of administrative reform requirements.
1.3. Research questions
What are the components that make up the quality of customs services?
What is the impact level of customs service quality components on the satisfaction of import and export enterprises using customs services at Ca Mau Provincial Customs Department?
What are the necessary management implications to improve the satisfaction of import and export enterprises?
1.4. Research object and scope
Research object: Components of customs service quality and satisfaction of import and export enterprises.
Survey subjects: Customs declaration officers and employees of import and export enterprises.
Scope of research: The research was conducted within the scope of import and export enterprises in Ca Mau and Bac Lieu provinces (under the management of Ca Mau Provincial Customs Department).
1.5. Research methods
The research was conducted through two steps: (1) preliminary research using qualitative methods, (2) formal research using quantitative methods.
Step 1: Preliminary research, using group discussion techniques with ten customs officers and civil servants of the Ca Mau Provincial Customs Department - who have professional experience in customs work. This research was conducted to discuss and calibrate the model and scale to suit the specific characteristics of customs services. From there, complete the questionnaire for continued use in the next research step.
Step 2: official research, using direct interview techniques by distributing survey forms to customs declaration staff of import and export enterprises operating in Ca Mau and Bac Lieu provinces. Data collected from the survey forms will be processed through analysis steps using SPSS 20 software, including: The scale is preliminarily tested using Cronbach's Alpha reliability coefficient, Exploratory Factor Analysis (EFA), correlation analysis and linear regression to test the model and hypotheses, descriptive statistics.


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