Like all other forms of prose fiction, it describes in words; and its success depends on the direct contact achieved between the reader and the object described. As a short story, of course, it cannot carry out this direct contact by the means common to novels, such as slow character development, detailed description, and repetition. In particular, it must describe with the quickness and completeness of a mirror" (quoted from Le Huy Bac) [14,19].
The dictionary of literary terms by authors Tran Dinh Su, Le Ba Han, Nguyen Khac Phi writes: “… short stories often aim to depict a phenomenon, discover an essential feature in human relationships or the life of the human soul… The plot of a short story often takes place in a limited time and space, its function in general is to recognize something profound about life and humanity… The most important element of a short story is the concise details, large capacity and writing style with many hidden meanings, giving the work untold depths.” [6,371]
Vietnamese Dictionary by Professor Hoang Phe (editor) recorded: short story is "a story in prose, small in length, few pages, describing an aspect of personality, a piece of a character's life" [8,1034]; lyrical: "has content reflecting reality by expressing the thoughts, emotions, and personal moods of people, including the artist himself, before life" [8,1035].
Regarding the term "lyricism", the Dictionary of Literary Terms writes: "If narrative expresses the author's thoughts and feelings by objectively reproducing life phenomena, then lyricism reflects life.
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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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live by directly expressing human consciousness, that is, people feel themselves through their subjective impressions, thoughts, and emotions towards the world and humanity. The lyrical method also reproduces phenomena of life, such as directly describing natural landscapes or recounting more or less relatively continuous events, ... but this reproduction does not have an end in itself, but creates conditions for the subject to express his emotions, contemplations, and thoughts. Lyrical works express mood. Therefore, it often has no plot, understood in the strict sense of the word, and its capacity is often short (because a state of mood cannot last) ... [6,373]

Bui Viet Thang calls lyrical short stories a type of short stories that are intimate: “Story-intimates are also called short stories that are close to poetry because they combine the expression of lyrical emotions with storytelling. Short stories in their essence are a concise narrative-lyrical genre, with ideas beyond words, creating impressions and associations [15,138] … “In the type of short stories that are intimates, the perception of nature in all senses is a characteristic in the writer’s way of describing” [15,140]
Nguyen Minh Chau explains the nature of this type of story: “There are short story writers who, after describing the external events, describe them very sparingly and only focus on the internal, on what the characters receive inside their souls, through dialogues and very subtle psychological reactions. Therefore, a type of short story was born that we often call a story without a plot. It is simply a literary device that allows the characters and their inner psyches to directly contact the readers” (quoted from Bui Viet Thang) [15,138].
In her thesis, Pham Thi Thu Huong wrote: “In lyrical works, the subjective element of the writer is always very strong, and it is expressed in all artistic aspects: Whether describing the scene, the character’s appearance or the character’s inner self,… Lyrical short stories often do not have a plot. They have a structure close to that of lyrical poetry. Lyrical short stories often go deep and subtly describe the reactions of the mind to “life experiences” (the words used by Nguyen Tuan). The meaning of the story is often associated with the pervasive atmosphere, mood… pervasive in the work” [80].
It can be seen that lyrical short stories do not have an official concept. As a form of short story genre, some people consider it as “story-confessional style”, some people consider it as “lyrical short story”, some people call it “story without plot”, or “lyrical prose”… In this thesis, we would like to borrow the characteristic analysis of “lyrical short story style” of previous literary critics as a basis for analyzing Thanh Tinh’s short stories before 1945 (non-plot nature, loose structure of the work, high level of subject disclosure, orientation towards nature, story situation, story characters, story language, …).
II. LYRIC SHORT STORY GENRE 1930-1945 IN THE PROGRESS OF MODERN VIETNAMESE LITERATURE
The differentiation of literary stages in the process of literary history is always difficult and controversial, and the question of when modern Vietnamese literature was formed still has no unified answer.
Modern literature is formed on the basis of certain historical, social and literary premises. Some people take 1900 as a milestone of modern literature, some people think that modern literature is associated with the period 1930-1945, some people classify 20th century literature as modern literature, ... Due to the limited scope of the research topic, here we only raise the issue of examining and researching the lyrical short story genre 1930-1945 in the process of modern Vietnamese literature in the 20th century, more specifically in the development process of modern Vietnamese short stories in the 20th century.
In the early 20th century, national short stories written in Quoc Ngu were marked by the works of many authors such as: Phan Ke Binh, Tan Da, Nguyen Phuong Chanh, Tam Lang, Nguyen Ba Hoc, Pham Duy Ton, Nguyen Ai Quoc, Tran Quang Nghiep, Huynh Minh Phung, ... Short stories in this period were often written in a writing style that turned the character into the writer's subjective ideological spokesperson, with lengthy dialogues, conventional language, clichés, parallelism, and happy endings...
Entering the 1930s, short stories flourished and quickly became a strong genre, truly dominating the literary world. In the fifteen years from 1930 to 1945, the number of short stories published sporadically in newspapers and published in separate collections must have been in the thousands. Writer Nguyen Cong Hoan alone had about 250 short stories. The public became familiar with the names of a series of writers such as Nguyen Cong Hoan, Nguyen Hong, To Hoai, Thach Lam, Nam Cao, Nguyen Tuan, ... Many researchers have commented that short stories in this period were truly rich, unique, diverse, diverse in aesthetic trends, styles, writing styles, themes, local colors ... The literary world gradually formed other short story genres.
each other, depending on the perception of life's reality, aesthetic concept, and writing style of the author. There are short stories that tend to reflect and criticize the reality of life full of oppression and injustice, such as the works of Nguyen Cong Hoan, Nguyen Hong, Nam Cao, Ngo Tat To, etc.; there are short stories that tend to analyze human spiritual life such as the works of Thach Lam, Thanh Tinh, Bui Hien, Do Ton, etc. The lyrical short story genre is formed from works written in the lyrical style, leaning towards analyzing human spiritual life by Thach Lam, Thanh Tinh, Xuan Dieu, etc. The success of short stories has affirmed the superiority of this genre in the country's literature.
After 1945, Vietnamese short stories entered a new era due to the influence of political and social changes. The success of the August Revolution opened a new era with an urgent pace of life, the people were liberated and rose to take control of their own destiny. A series of short stories were born, stories full of the breath of life and the atmosphere of the times, reflecting the arduous but heroic resistance of the people. Besides the writers who had become famous before the revolution, a new generation of young writers appeared, matured during the resistance such as Tran Dang, Ho Phuong, Nguyen Thanh Long, Nguyen Khai, etc. Short stories of this period were considered to have a "movement" nature.
In the period 1955-1975, short stories had more authors and some typical styles such as Nguyen Thanh Long, Nguyen Khai, Nguyen Ngoc, Nguyen Kien, Do Chu, Vu Thi Thuong, Le Minh Khue,... Besides good short stories written about typical moments of
Life in the war is short stories following a new trend, short stories-poetry by Nguyen Thanh Long with Lang le Sapa, Nguyen Ngoc with Reo cao, Do Chu with Huong co mat , Ma Van Khang with Khuc hat Meo... Ma Van Khang said: "Short stories must have something a little bit ethereal, should not be too dreamy, but too bare is not good either" (quoted from Bui Viet Thang) [15,197]. Short stories-poetry in this period were written from materials provided by life in the resistance war about beauty, poetry, heroism and the extraordinary, with a clear language and imbued with poetry. The artistic atmosphere in Lang le Sapa is a quiet, dreamy and profound atmosphere. Sa Pa is so beautiful that it touches the heart: "The clouds are driven away by the sun, rolled into clumps, rolled on the dewy leaf arches, fell onto the road, and even crawled under the car".
Short stories from 1975 to 1985 analyzed the spiritual and social status after the war. The spiritual life of people after the war with loneliness, physical and mental suffering, doubts between loyalty and betrayal, human situations and fates were exploited by writers such as Nguyen Minh Chau (The Woman on the Express Train) , Nguyen Quang Than (The Man Who Didn't Go on the Train) , Le Hoang (The Last Words in the Script) ...
Short stories at the end of the 20th century saw a series of new names such as Nguyen Huy Thiep, Pham Thi Hoai, Nguyen Thi Thu Hue, Phan Thi Vang Anh, Y Ban, Vo Thi Hao, Pham Ngoc Tien, Luu Son Minh... The topics, content, writing style, and story forms were rich and diverse, with many new discoveries and researches. Each author created an impression for himself.
quite distinct from the readers. Daily reality, the hidden feelings in people's spiritual life (especially women), post-war obsessions, the struggle in a new life according to the market mechanism, the struggle to find new values of life... are all included in the writings. Emerging as a special phenomenon of Vietnamese literature in the late 20th century, besides the short stories that caused a stir in the literary world because of their ability to reflect the reality of human degeneration in a complex society such as The retired general, No king, The sawmill workers,... Nguyen Huy Thiep also had another important literary vein full of romanticism and lyricism with The daughter of the water god, Flow away, Oh river, Missing the countryside, The crane just flew and cried out in surprise,... In the same literary vein in the lyrical style of this period are the short stories of Do Chu (The nightingale is singing) , Nguyen Ban (Moonlight) , Linh Vang (Rain on sadness, And the rain still falls, A branch of orchid) ,... Linh Vang's short stories often have a sadness spreading throughout every sentence and word, the sadness of unrequited love, not coming or coming but sadly, written in a gentle lyrical style. Her stories are rich in life, but they are not simply realistic stories. Here, the author has broken through the reality to find something higher in human beings, which is the spiritual life which is very unclear and mysterious and difficult to explain clearly by reason. “I stopped my car at a nursery selling ornamental plants and flowers, walked around, and chose to buy a pot of orchids. It was just a small, fragile orchid branch that had not yet bloomed. I wanted to take care of the orchid until the day I saw it bloom, to see the purple color of the flower” (A Branch of Orchid)…
Looking through the outlines of the development of the 20th century short story, it can be seen that there still exists a lyrical short story vein. This short story line originated in the period 1930-1945, stagnated and almost did not develop in the period 1945-1955 (in this period, short stories in the epic style and memoirs developed strongly), started again in some works that leaned more towards short stories-poetry in the period 1955-1975-1985, and developed strongly again in the late 20th century and early 21st century with Nguyen Minh Chau, Nguyen Huy Thiep, Do Chu, Nguyen Ban, Nguyen Ngoc Tu, Linh Vang, Mai Ninh, ... The reason we believe that this story line still exists and tends to develop strongly in the late 20th century and early 21st century is because it meets the typical criteria of the lyrical short story line: plotless, high level of subject disclosure, loose structure, oriented towards nature,
… One of the young writers who writes short stories in the lyrical style that has received special attention from the public in recent years is Nguyen Ngoc Tu. Nguyen Ngoc Tu's short stories are gentle, tender, not noisy and dramatic, but delve into analyzing human psychology in a gentle, sharp and subtle way. Her characters are ordinary, honest people in life, with beautiful, sad and seemingly unreal love stories of this life. These are simple, sincere and simple love stories like the people of the Southern Delta. Her stories are filled with nostalgia for their homeland: Stream of memories, Crossing the bridge, Missing people, Missing the river, Flowing water and floating clouds, ... and beautiful love stories: Hiu hiu gio bac, Thuong qua rau ram, Chieu voi, Hue got married, Moc tinh nam cuu, ...





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