Workers come to work from other places, especially rural areas because of the high and stable income.
Urban areas are the key factor determining the success of the economic restructuring process, improving productivity and socio-economic development of regions and the whole country. Urban areas have played a central role in promoting the development of science, technology, innovation, culture, education and health; gradually creating harmonious development between regions, contributing to solving problems of agriculture, farmers and rural areas. By the end of 2020, the whole country had 862 urban areas, contributing 70% of GDP (baochinhphu.vn)
1.1.2.2. Urban planning, state management content of urban planning
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Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
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At that time, the Branch had to set aside a provision for credit risks, which reduced the Branch's income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giang's profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project "Restructuring the system of credit institutions in the period 2011-2015" approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: "Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services".
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giang's products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Minister's Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers' cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giang's treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giang's income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giang's corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giang's card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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General concept of urban planning: Urban planning (Urban

Urban planning is the process of developing and designing urban areas. Covered in this process are the use of open land, air, water and the built environment including buildings, transportation, economic and social functions.
Concept of urban planning according to Vietnamese law: According to Clause 4, Article 2 of the 2009 Law on Urban Planning, "Urban planning is the organization of space, architecture, urban landscape, technical infrastructure system, social infrastructure and housing to create a suitable living environment for people living in urban areas, expressed through urban planning projects"
Urban planning project is a document showing the content of urban planning, including drawings, models, explanations and management regulations according to urban planning.
State management contents on urban planning include: Developing and directing the implementation of urban development orientations and strategies; promulgating and organizing the implementation of legal documents on urban planning management activities;
promulgate regulations and standards on urban planning, regulations on urban planning and architecture management; manage urban planning activities; disseminate, popularize and educate laws and information on urban planning; organize and manage training activities, foster human resources, research and application of science and technology in urban planning activities; cooperate internationally in urban planning activities; inspect, examine, resolve complaints and denunciations and handle violations in urban planning activities.
1.1.3. Concept of construction order, state management of construction order
build
1.1.3.1. Concept of construction order
Order in construction is the activities of establishing and forming order.
During the construction of works in the area, including all works on the ground, underground and above ground, construction is permitted by competent state agencies, starting from project establishment, design, construction permit, construction, management of scale, quality, space, architecture, aesthetics, environment and exploitation of works.
In the simplest way, construction order is understood as compliance with legal regulations in construction works such as: construction area, construction height, construction level, construction boundaries, connection with other technical infrastructures, etc.
1.1.3.2. Concept of state management of construction order
State management of construction order is the organization, operation, adjustment and impact of competent state agencies from the central to local levels on the basis of planning, plans, inspection, examination and assessment, according to the provisions of law, to regulate the behaviors of subjects when participating in activities related to construction work in each field.
order, discipline, contributing to maintaining stability and developing a sustainable civilized society.
State management of construction order is a very important field of state management of construction, contributing to the implementation of planning projects into real life.
1.2. Contents of state management of construction order
1.2.1. Issuing a system of legal documents
To manage the areas of social life in general and construction order in particular to ensure effectiveness and efficiency, it is necessary to have a synchronous and unified legal system, including the law on construction order. Therefore, the most important and indispensable content of state management of construction order is to develop and promulgate legal documents. The legal basis for construction order management is legal documents, including: Codes, Laws, Decrees, Circulars and state management documents. The above system contains the State's regulations on construction order management. In addition, there are directive documents, plans of the Central Government, provinces, towns; village conventions, conventions of villages, hamlets, and residential groups regulating construction order activities. Thus, the management of construction order in our country is currently institutionalized by Laws and legal documents issued by state agencies from central to local levels, specifically including the following types of documents:
- Code: Civil Code dated November 24, 2015.
- Law: Law on Organization of Local Government dated June 19, 2015 (Law amending and supplementing a number of articles of the Law on Organization of Government and the Law on Organization of Local Government dated November 22, 2019); Law on Construction dated June 18, 2014 (Law amending and supplementing a number of articles of the Law on Construction,
dated June 17, 2020); Law on Cadres and Civil Servants, dated November 13, 2008 (Law amending and supplementing a number of articles of the Law on Cadres and Civil Servants and the Law on Public Employees dated November 25, 2019); Land Law dated November 29, 2013; Inspection Law dated November 15, 2010; Law on Complaints, dated November 11, 2011; Law on Denunciation, dated June 12, 2018; Law on Citizen Reception, dated November 25, 2013; Law on Anti-Corruption, dated November 20, 2018; Law on Urban Planning 2009 (Law amending and supplementing a number of articles of 37 laws related to planning dated November 20, 2018); Law on Planning, dated November 24, 2017; Housing Law, dated November 25, 2014; Law on Handling of Administrative Violations, dated June 20, 2012.
- Decree of the Government, Decision of the Prime Minister:
Decree No. 37/2010/ND-CP dated April 7, 2010 of the Government on the establishment, appraisal, approval and management of urban planning (Decree No. 72/2019/ND-CP dated August 30, 2019 of the Government on amending and supplementing a number of articles of Decree No. 37/2010/ND-CP dated April 7, 2010 of the Government and Decree No. 44/2015/ND-CP dated May 6, 2015 detailing a number of contents on construction planning).
Decree No. 26/2013/ND-CP dated March 29, 2013 of the Government on organization and operation of Construction Inspectorate.
Decree No. 121/2013/ND-CP, dated October 10, 2013 of the Government, stipulating administrative sanctions for violations in construction activities, real estate business; exploitation, production and trading of construction materials; management of technical infrastructure works; management of housing and office development; Decree No. 139/2019/ND-CP, dated November 27, 2019 of the Government, stipulating administrative sanctions for violations in construction investment activities; exploitation, processing and trading of minerals for construction materials, production and trading of construction materials; management of technical infrastructure works; real estate business, housing development, management of house and office use.
Decree No. 15/2021/ND-CP dated March 3, 2021 of the Government detailing a number of contents on construction investment project management.
Decree No. 64/2012/ND-CP dated September 4, 2012 of the Government on granting construction permits.
Decree No. 26/2013/ND-CP dated March 29, 2013 of the Government on organization and operation of Construction Inspectorate.
Decree No. 81/2013/ND-CP dated July 19, 2013 of the Government detailing a number of articles and measures to implement the Law on Handling of Administrative Violations; Decree No. 97/2017/ND-CP dated August 18, 2017 of the Government amending and supplementing a number of articles of Decree No. 81/2013/ND-CP dated July 19, 2013 of the Government.
Decree No. 81/2017/ND-CP dated July 17, 2017 of the Government stipulating the functions, tasks, powers and organizational structure of the Ministry of Construction.
Decree No. 24/2014/ND-CP dated April 4, 2014 of the Government regulating the organization of specialized agencies under the People's Committees of provinces and centrally run cities; Decree No. 107/2020/ND-CP dated September 14, 2020 of the Government, amending and supplementing a number of articles of Decree No. 24/2014/ND-CP dated April 4, 2014 of the Government.
Decree No. 37/2014/ND-CP dated May 5, 2014 of the Government regulating the organization of specialized agencies under the People's Committees of districts, towns, cities under provinces and centrally run cities; Decree No. 108/2020/ND-CP dated September 14, 2020 of the Government amending and supplementing a number of articles of Decree No. 37/2014/ND-CP dated May 5, 2014 of the Government.
Decree No. 10/2010/ND-CP, dated April 7, 2010 of the Government regulating the management of urban space, architecture and landscape.
Decision No. 26/2018/QD-TTg, dated June 22, 2018 of the Prime Minister on the pilot establishment of an Urban Construction Order Management Team under the People's Committees of districts, towns and cities in Hanoi; Decision No. 35/2020/QD-TTg, dated December 9, 2020 of the Prime Minister, on amending and supplementing Article 4 of Decision No. 26/2018/QD-TTg, dated June 22, 2018 of the Prime Minister.
- Circulars of Ministers and Heads of ministerial-level agencies:
Joint Circular No. 07/2015/TTLT-BXD-BNV, dated November 16, 2015 of the Ministry of Home Affairs - Ministry of Construction Guiding the functions, tasks, powers and organizational structure of specialized agencies under the People's Committees of provinces and centrally run cities, People's Committees of districts, towns and provincial cities on state management fields in the construction sector
Joint Circular No. 06/2014/TTLT-BXD-BNV dated May 14, 2014 of the Ministry of Construction - Ministry of Home Affairs guiding the functions, tasks, powers and organizational structure of the Department of Construction Inspectorate.
Circular No. 15/2016/TT-BXD dated June 30, 2016 of the Ministry of Construction providing guidance on granting construction permits.
- Documents of Dak Lak Provincial People's Committee and Buon Ho Town People's Committee:
Decision No. 712/QD-UBND, dated March 15, 2016 of the People's Committee of Dak Lak province, on regulating the functions, tasks, powers and organizational structure of the Department of Construction.
Decision No. 2823/QD-UBND, dated October 23, 2015 of the People's Committee of Dak Lak province, on regulating the functions, tasks, powers and organizational structure of the Department of Construction Inspectorate.
Decision No. 44/QD-UBND, dated December 30, 2016 of the People's Committee of Dak Lak province, on promulgating regulations on granting construction permits in Dak Lak province.
Decision No. 1966/QD-UBND dated August 25, 2014 of the People's Committee of Dak Lak province, regulating the organization of specialized agencies under the People's Committees of districts, towns and cities of Dak Lak province.
Official dispatch No. 5412/UBND-CN, dated July 12, 2017 of Dak Lak Provincial People's Committee, on strengthening the management of construction order in the province.
Official dispatch No. 1022/UBND-CN, dated February 11, 2020 of Dak Lak Provincial People's Committee, on strengthening the management of construction order in the province.
Official dispatch No. 674/UBND-CN, dated January 21, 2021 of Dak Lak Provincial People's Committee, on construction order management in the province.
Decision No. 66/QD-UBND, dated January 18, 2016 of the People's Committee of Buon Ho town on regulating the functions, tasks, powers and organization of the Urban Management Department of Buon Ho town.
Official dispatch No. 291/UBND-VP, dated February 25, 2020 of Buon Ho Town People's Committee, on strengthening the management of construction order in the town.
Official dispatch No. 1491/UBND-VP, dated October 31, 2018 of Buon Ho Town People's Committee, on strengthening the management of construction investment in the town.
Official dispatch No. 1775/UBND-QLDT, dated November 6, 2021 of the People's Committee of Buon Ho town, on strengthening the management of construction order, restoring urban order and land management in the area.
1.2.2. Organization of construction order management apparatus
According to the provisions of law, the state management apparatus for construction order is organized uniformly from the central to local levels, specifically as follows: The Government implements unified state management of construction order nationwide. The Ministry of Construction is responsible for advising and assisting the Government in managing construction order nationwide, performing state management of construction order according to the Government's decentralization; the provincial People's Committee performs state management of construction order in the province according to the Government's decentralization; the district and commune People's Committees perform state management of construction order in their localities according to the decentralization of the Government and the provincial People's Committees.
Advising and assisting the provincial People's Committee in the field of state management of construction order is the Department of Construction (In Hanoi and Ho Chi Minh City, there is also the Department of Planning and Architecture).
Advising and assisting the District People's Committee in the field of state management of construction order is the Urban Management Department (For cities and towns under provinces; cities, towns, and districts under centrally-run cities. Particularly for Hanoi City, there is also the Urban Construction Order Management Team) or the Infrastructure Economic Department (for District People's Committees).
Advising and assisting the People's Committee at the commune level in the field of state management of construction order are civil servants of Land - Construction - Urban and Environment (for wards and towns) or civil servants of Land - Agriculture - Construction and Environment (for communes).
Specific responsibilities of agencies and units in managing construction order
build:





![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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