metabolism, fermentation in the rumen to digest food and the temperature of the external environment. The higher the productivity of the cow, the stronger the metabolism, the more heat is generated. Digestion of rough, indigestible food increases heat generation in the rumen. When the heat generated in the body is greater than the heat released from the body into the environment, the body temperature exceeds 390C and the cow appears to be heat stressed.
Dairy cows are homeothermic animals, to maintain a stable state, cows need to be in thermal equilibrium with the environment (Kadzere and Murphy, 2002). Because temperature and humidity are very important for the ability to adapt
of cattle in different climates, so people have built an index
Heat-humidity index (THI) is related to heat stress in cattle.
1.2.2. Sperm production capacity of breeding bulls and some influencing factors
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Study on growth, reproduction, productivity and milk quality of purebred HF Holstein Friesian cows, F1, F2 and F3 crossbred generations between HF and Sind crossbred raised in Lam Dong province - 18 -
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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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Some Key Solutions to Promote Positive Changes and Limit Negative Changes of Socialist Production Relations in -
Cultivation and Production Process of Special Rare Weasel Coffee
1.2.2.1. Sperm production capacity of breeding bulls
There are many criteria in the production of frozen semen.

target
number rating
The quantity and quality of semen before being put into frozen production such as: ejaculate volume, sperm motility, sperm concentration, pH, color, percentage of live sperm, percentage of abnormal sperm, total number of active sperm, sperm resistance. Meanwhile, sperm motility after
Thawing is the most important criterion to evaluate the quality of frozen semen.
frozen. Qualified semen for production is semen from exploitations that simultaneously meet all of the above criteria. In which, ejaculate volume, sperm motility, sperm concentration, live sperm rate, total number of active sperm, sperm motility after thawing are the main criteria affecting the ability to produce frozen semen of breeding bulls.
a. Amount of ejaculation
Ejaculate volume (V) is the volume of semen from one ejaculation.
(ml/time). The amount of ejaculation is closely related to gender, age, and sexual activity.
care, diet, testicular size, season, level
Pre-exploitation sexual stimulation, the ejaculatory reflex and the semen extraction technique. In addition, the semen extraction distance also affects the amount of ejaculate: too short a semen extraction distance results in less ejaculate and too long a semen extraction distance results in more ejaculate (Cheng, 1992).
According to Hiroshi (1992), the amount of ejaculate ranges from 2 to 10 ml.
Research by Brito et al. (2002) on Brazilian bulls showed that the amount of ejaculate varied from 6.0 to 7.8 ml; in Bos taurus bulls it was 7.0 ml and in Bos indicus bulls it was 6.6 ml. Sarder (2003) reported that the amount of ejaculate in Pakistani bulls was 56 ml/time of exploitation.
In Vietnam, research on F3HF crossbred cattle, Nguyen Van Duc and
cs. (2004) published that the amount of ejaculate was 4.11ml. Phung The Hai et al.
(2009), research on young HF bulls born in Vietnam, published, the amount of ejaculate is 5.42ml. Le Ba Que et al. (2013) published, the average amount of ejaculate of HF bulls is 6.99ml.
b. Sperm motility
Sperm motility (A) is an indicator showing the number of active sperm moving straight in semen and is calculated as a percentage ranging from 0% to 100%.
Tran Tien Dung and colleagues (2002) said that depending on their vitality, sperm will move in one of three ways: straight forward, rotating, and swaying.
Only spermatozoa that move forward are capable of participating in the fertilization process. Therefore, people evaluate semen quality through
by estimating the percentage of straight-moving sperm or the "motile" level of the
seminal fluid microscopic surface created by sperm motility.
Bajwa (1986), study
in Pakistan announced
sperm motility
ranged from 67 to 70%. Hiroshi's (1992) study on bulls
HF breed in Japan announced sperm motility ranging from 60 to
90%. Sugulle (1999), published
sperm motility
bull breeding at
Bangladesh achieved from 60 to 68%. Research by Brito et al. (2002) in
Brazil shows bull sperm motility
Bos taurus reaches from
57.5 to
61.2% and Bos indicus cattle reached 59%. Hoflack et al. (2006) reported that sperm motility of HF bulls in Belgium ranged from 40 to 95%.
In Vietnam, Nguyen Van Duc et al. (2004) reported that the average sperm motility of crossbred HF bulls was 61.77%. Phung The Hai et al. (2009), in a study on young HF bulls born in Vietnam, reported that the average sperm motility was 60.28%. Le Ba Que (2013), in a study on HF cattle imported from the US and Cuba, reported that the average sperm motility was 66.39%.
c. Sperm concentration
Sperm concentration (C) is the number of sperm in one ml of semen (billion/ml). In cattle, sperm concentration ranges from 200 million to 3,200 million sperm/ml, with an average of 1,200-1,500 million sperm/ml (American
Breeders Service, 1991). If the sperm concentration reaches 800 million/ml, then it is achieved.
Standards for preparation and freezing (Ministry of Agriculture and Rural Development, 2003; 2008; 2014).
Sperm concentration has practical scientific significance, it determines the number
Sperm count per semen extraction to classify semen quality, decide to discard or use for the next stages. Sperm concentration
spermatozoa when combined with V and A give the total number of forward moving spermatozoa in each ejaculate.
In a study on HF bulls raised in the United States, Garner et al.
(1996) reported that the average sperm concentration was 1.5 billion/ml. Brito et al.
(2002), a study on 107 breeding bulls in Brazil found that the concentration of
Bull sperm count reached 1.3 to 1.5 billion/ml. Sarder (2003), research in
Pakistan says local HF-crossbred bulls have sperm concentrations that range
ranging from 1.131 to 1.471 billion/ml. Sugulle et al. (2006), in a study on HF crossbred cattle in Bangladesh, reported that sperm concentration ranged from 0.983 to 1.483 billion/ml. Muino et al. (2008) reported that adult HF bulls raised in Spain had an average sperm concentration of 1.18 billion/ml.
In Vietnam, the sperm concentration of HF cows is 1.229 billion/ml (Nguyen Xuan Hoan, 1993); 1.215 billion/ml (Le Ba Que et al., 2009). Phung The Hai et al. (2009), research on young HF bulls born in Vietnam, announced the average sperm concentration was 1.07 billion/ml. Le Van Thong et al. (2013), research on HF cows imported from Australia, announced the average sperm concentration was 1.03 billion/ml.
d. Percentage of live sperm
The rate of live sperm is closely related to the fertilization rate of sperm. Based on the principle that the membrane of dead or dying sperm can allow dyes to penetrate, due to the disorder of the permeability of the sperm membrane. Meanwhile, the sperm membrane of living sperm does not allow dyes to penetrate, so it does not take color when stained. In this way, people used eosin dye to stain dead sperm, then counted them under a microscope and calculated the survival rate.
Proportion
live sperm
depending on the species, degree
age, mode
level of care
nurturing, extraction, dilution environment... (Hiroshi, 1992).
Hoflack et al. (2006) reported that the live sperm rate in HF bulls was from 77.25 to 97.67%, higher than that in Belgian Blue bulls from 29.5 to 87.25%. Research on HF bulls in Belgium Hoflack et al. (2008) reported that the live sperm rate was 86.3%. According to Muino et al. (2008), the study
Research on HF bulls in Spain showed a rate of 87.0%.
live sperm rate
According to the research results of Phung The Hai et al. (2009), research on young HF bulls born in Vietnam showed that the average live sperm rate was 71.75%. Le Ba Que (2013), research on HF cattle imported from the US and Cuba showed an average activity of 78.65%.
e. Total number of straight sperm/extraction
Total number of live spermatozoa in semen (VAC) is an important synthetic index to evaluate the ability to produce frozen semen of each bull, calculated as the product of V*A*C. Ejaculation volume, sperm motility and sperm concentration are the three indexes that most clearly affect the quantity and quality of semen of bulls in frozen semen production and are the decisive indexes for frozen semen production. It is closely related to the amount of preparation medium and positively correlated with the number of doses of straw semen produced in one collection.
Garner et al. (1996) reported that the total number of spermatozoa in a single extraction
The cost of HF bulls raised in the United States is 6.20 billion/time exploited.
Research by Brito et al. (2002) showed that the total number of sperms in one extraction on HF bulls in Brazil was 8.2 billion/extraction.
Phung The Hai (2009), total number of straight spermatozoa of bulls
HF breed born in Vietnam is 4.91 billion/exploitation. Le Van Thong and cs.
(2013), research on HF cattle herd in Moncada announced that the winning motility in one exploitation was 5.46 billion.
f. Sperm motility after thawing
total
pure
The produced straw semen is stored at a deep freeze of 1960C and must be thawed before use. Sperm motility after thawing
(Asgd %) is the most important index to evaluate the quality of frozen semen.
frozen. The quality of frozen semen is influenced by many factors such as: quality of fresh semen used for semen production, semen production technique, dilution environment, freezing resistance of sperm and thawing technique.
Sperm motility after thawing has a great influence on the outcome.
Conception in cows: if sperm motility after thawing is high, conception rate is high and vice versa.
According to Phung The Hai (2009), the sperm motility after thawing of HF bulls born in Vietnam was 40.44%. Le Van Thong et al.
(2013), research on HF cattle herd in Moncada, published post-thaw infection rate was 41.28%.
active essence
1.2.2.2. Some main factors affecting the semen production capacity of breeding bulls
a. Breed and individual
Depending on the breed, size, metabolism, and ability to adapt to climate, the quantity and quality of semen will vary. For example, temperate bulls (800-1000 kg) can produce 89ml or even 1015ml of semen each time they are harvested;
Meanwhile, Vietnamese yellow cows only give 35ml (Ha Van Chieu,
1996). Cattle of temperate origin imported into our country have poor adaptation to the summer climate, so the amount of semen is reduced and the virility is also reduced (Nguyen Xuan Trach, 2003).
In the same breed, the quantity and quality of semen of each individual
are often different (Ha Van Chieu, 1996; Phung The Hai, 2009; Le Van Thong et al., 2013).
b. Age
The quantity and quality of semen of mature bulls are usually more and more stable than that of young bulls. Bulls produce good semen and
most stable at
age from
3 to 6 years old. Semen of old bulls
reduce rate
live sperm, increased rate
sperm count
shape and reduce the ability
Freeze-able (Hiroshi, 1992).
Ha Minh Tuan et al. (2012), in a study on a herd of breeding bulls raised in Moncada, showed that the average ejaculate volume of HF bulls at 18-24 months of age was 4.82 ml/session; at 25-36 months of age, it was 6.26 ml/session; and at 49-60 months of age, it was 7.51 ml/session.
The lifespan of a breeding bull can reach 1820 years, but due to many
different causes so often only (Nguyen Xuan Trach et al., 2006).
c. Weather and climate
used
use up to 8 years old
Like
every opportunity
body
living differently, bulls are directly affected by
weather and climate, mainly temperature, humidity, light, etc. According to the law of ecological limits (Ha Van Chieu, 1999), each species or each organism has a suitable range of a certain climatic factor. In addition to the limit
The appropriate limit of the body's ability to live will affect and be affected.
resonance by environmental factors. In the relationship between the external environment and organisms, the impact of the environment on reproduction is the most important. The impact of the environment on the production of male semen is very complicated, it is difficult to determine which factor is important at a certain time.
In temperate countries, semen quality is worst in winter, best in summer and fall mainly due to light. However, in our country, semen quality is often worst in summer due to heat, best in winter-spring, much lower in summer, and higher in fall (Nguyen Xuan Trach et al., 2006).
Vilakazi and Webb (2004), in a study on Bos taurus cattle, found that the rate of abnormal sperm increased in summer and autumn, and semen quality in winter was significantly better than in summer.
Semen quantity and quality are significantly affected by season,
Bull semen in the rainy season has a quantity
and quality
best
(Bhakat et al., 2011). The quantity and quality of semen of HF bulls raised in Vietnam are clearly affected by seasonal factors (Phung The Hai et al., 2013).
d. Nutrition


![Biogas Production Ability of Some Raw Materials [1]](https://tailieuthamkhao.com/uploads/2022/10/17/nghien-cuu-qua-trinh-chay-va-phat-thai-o-nhiem-dong-co-hybrid-biogas-xang-4-1-120x90.png)
![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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