1.1.2. Water film forming foaming agent
Aqueous film forming foam (AFFF) was researched and developed since 1960 as a highly effective fire extinguishing agent, used for fires involving flammable liquids that are insoluble in water such as gasoline, oil, etc. [24]. The application of aqueous film forming fire extinguishing foam in some fires is shown in Figure 1.2.
| |
|
|
Maybe you are interested!
-
Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
zt2a3ge
zc2o3n4t5e6n7ts
At that time, the Branch had to set aside a provision for credit risks, which reduced the 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).
div.maincontent .content_head3 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .p { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; }
div.maincontent p { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; }
div.maincontent .s1 { color: black; font-family:"Courier New", monospace; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s2 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 13pt; }
div.maincontent .s3 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s4 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s5 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s6 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s7 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13.5pt; }
div.maincontent .s8 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; }
div.maincontent .s9 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -2pt; }
div.maincontent .s10 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: 5pt; }
div.maincontent .s11 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -5pt; }
div.maincontent .s12 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -3pt; }
div.maincontent .s13 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -4pt; }
div.maincontent .s14 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 7.5pt; }
div.maincontent .s15 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s16 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s17 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9.5pt; }
div.maincontent .s18 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -1pt; }
div.maincontent .s19 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -5pt; }
div.maincontent .s20 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -2pt; }
div.maincontent .s21 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10pt; }
div.maincontent .s22 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s23 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -3pt; }
div.maincontent .s24 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -5pt; }
div.maincontent .s25 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s26 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -4pt; }
div.maincontent .s27 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -6pt; }
div.maincontent .s28 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -1pt; }
div.maincontent .s29 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11.5pt; }
div.maincontent .s30 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11pt; }
div.maincontent .s31 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11pt; }
div.maincontent .s32 { color: black; font-family:.VnTime, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s33 { color: black; font-family:Cambria, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s34 { color: black; font-family:Cambria, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -4pt; }
div.maincontent .s35 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11.5pt; }
div.maincontent .s36 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s37 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 13pt; }
div.maincontent .s38 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13pt; }
div.maincontent .s39 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 15pt; }
div.maincontent .s40 { color: black; font-family:"Times New Roman", serif; font-style: normal; fo -
Evaluation of Legal Regulations on Handling Administrative Violations in the Field of Fire Prevention and Fighting -
Handling administrative violations in the field of fire prevention and fighting - Through practice in Hanoi city - 2 -
Handling administrative violations in the field of fire prevention and fighting - Through practice in Hanoi city - 17 -
Section and Design Strength for Negative Moment Resistance in Fire-Resistant Conditions of Composite Beams Partially Encased in Concrete [13]
Figure 1.2 : Fire-fighting foam creates a water film to extinguish fires in oil tanks and gas stations [9]
AFFF is used in civil applications worldwide, in concentrations of 1%, 3% or 6%. The foam concentrate is mixed with water in a certain ratio, carried out in a mixing system to form a water foam solution as follows:
- Concentration 6%: 6 parts foam in 94 parts water;
- Concentration 3%: 3 parts foam in 97 parts water;
- Concentration 1%: 1 part foam in 99 parts water.
1% firefighting foam is essentially six times more concentrated than 6% foam, and 3% foam is twice as dense as 6%. The firefighting properties of foam solutions made from 1%, 3%, and 6% foam concentrates from a single manufacturer are virtually identical.

Figure 1.3 : Foam solution created from 6% concentrated foaming agent – 94% water
Lowering the foam concentrate percentage is necessary to produce highly effective firefighting foam. Using 3% foam concentrate instead of 6% foam can halve the storage space, thus reducing weight and transportation costs, while providing the same firefighting performance.
The foam solution after being sprayed will form small bubbles, these bubbles will spread rapidly to form a floating water film on the surface of most hydrocarbon fuels. This spreading property is due to the fluorinated surfactant component in AFFF due to the property of reducing the surface tension of the solution to a low value (15-20 mN/m). As a result, the water solution spreads rapidly on the surface of the hydrocarbon liquid. This formed film includes both the foam layer and the water film. It has the effect of preventing fuel vapor from rising and separating oxygen from the fuel vapor, cooling and finally extinguishing the flame as shown in Figure 1.4. The film-forming property shows that even when the foam bubbles have disappeared, the water film formed from the foam solution still exists covering the surface of the hydrocarbon liquid [25]. Therefore, the search for surfactants focuses on the important factors of the ability to reduce surface tension and form a water film on a certain type of fuel.

Figure 1.4 : Image showing how to create a foam film that spreads on a liquid hydrocarbon fire [26]
AFFF aqueous film-forming foam concentrates are mainly composed of surfactants and foam stability enhancing components such as glycol ether, ethylene or propylene glycol. The surface tension is reduced to low values, the foam is stabilized and more durable when using a combination of fluorinated surfactants and hydrocarbon surfactants. Fluorinated surfactants are used in all current AFFF formulations.
1.1.3. Alcohol-resistant water-based foaming agent
Although AFFF is commonly used for flammable liquid fires, it is not effective for fires of water-soluble flammable fuels such as alcohols, ketones with low hydrocarbon chains and esters because the foam is easily dissolved and decomposed by the fuel [27]. To solve this problem, scientists have researched and manufactured a fire-fighting foam product called alcohol-resistant water-based fire-fighting foam (symbol AR-AFFF) [28].
Typical alcohol-resistant water-based foam concentrates also have the same main components as water-based foam concentrates, including: one or more fluorinated surfactants; one or more hydrocarbon surfactants; solvents such as glycol or glycol ether and other additives such as complexing agents, pH buffers, anti-corrosion agents, etc. [29-31]. In addition, it also has an important component that helps the foam concentrate not dissolve in polar solvents, which is a water-soluble polymer. Fire extinguishing mechanism of foam
Alcohol-resistant water-based fire extinguishing foam is similar to water-based fire extinguishing foam, shown in Figure 1.5. However, the film formed on the surface of the burning fuel, in addition to the surfactants, also contains polymers. These polymers precipitate when in contact with water-soluble fuel, creating a protective film between the fuel and the foam.

Figure 1.5: Fire extinguishing mechanism of fire-fighting foam that creates a water-resistant alcohol film on fuel [29]
High molecular weight water-soluble polymers commonly used in AR-AFFF are polysaccharides, such as xanthan gum. AR-AFFF foams are effective on both hydrocarbon fuels and water-soluble fuels. To form an effective AR-AFFF foam concentrate, a high concentration of xanthan gum is required. However, xanthan gum is a highly viscous substance, which makes it difficult to spray the foam through the nozzle and reduces the foaming ability of the solution. Therefore, the use of some fluoropolymer surfactants that have the same effect as xanthan gum, but with a lower viscosity increase, has also been investigated.
1.2. Components of fire-fighting foam
Through research of reference documents [32, 33], fire-fighting foam concentrates usually consist of hydrocarbon surfactants; fluorinated surfactants; surface-active auxiliaries and additives. The detailed composition ratios of AFFF and AR-AFFF fire-fighting foam concentrates are presented in Tables 1.1 and 1.2.
Table 1.1: Probable formula of water film forming foaming agent [34]
Ingredient
Chemical | Ratio | |
Foaming | Nonionic surfactants, amphoteric surfactants, anionic surfactants | 10-30% |
Create membrane | Non-ionic fluorinated surfactants, amphoteric fluorinated surfactants | 2-20% |
Increase foam stability | Hydroxyethyl cellulose, Gelatin, CMC | 0.1-5% |
Antioxidant | Buthyl cellosol, Butyl diglycol | 2-10% |
Antifreeze | Glycerin, Ethylene diamine tetraacetate, triethylamine… | 5-10% |
Anti-settling agent | Cocamidopropyl betaine | 2-8% |
Viscosity modifier | Urea | 2-8% |
Preservatives | Potassium sorbate, Sodium benzoate | 0.5-2% |
Anti-corrosion agent | Methylchloroisothiazolinone | 0-2% |
Table 1.2: The formula of the foaming agent that creates a stable water film on alcohol [34]
Ingredient
Chemical | Ratio | |
Foaming agent | Nonionic surfactants, amphoteric surfactants, anionic surfactants | 5-25% |
Film forming agent | Amphoteric fluorinated surfactants | 5-15% |
OSB auxiliaries | Partially fluorinated acrylic copolymer | 1-5% |
Film forming polymer | Diutan gum, Pectin, Xanthan gum, Guar gum | 0.1-2% |
Increase foam stability | Hydroxyethyl cellulose, Gelatin, CMC | 0.1-2% |
Antioxidant | Buthyl cellosol, Butyl diglycol | 1-8% |
Antifreeze | Glycerin, Ethylene diamine tetraacetate, triethylamine… | 1-8% |
Urea | 0 - 10% | |
Anti-settling agent | PEG-400, Cocamidopropyl betaine | 1-8% |
Preservatives | Potassium sorbate, Sodium benzoate | 0.1-2% |
Anti-corrosion agent | Methylchloroisothiazolinone | 0.1-2% |
Viscosity modifier
1.2.1. Surfactants
Surfactants are the main and most important components of fire-fighting foams. They have the task of separating oxygen from burning fuel and releasing water to reduce the heat of the fire. The choice of surfactants used in fire-fighting foams depends on the research objectives:
+ Ambient temperature
+ Type of fire
+ Foaming level
+ Product form (1%, 3%...) and other factors
The surfactant used in fire-fighting foam must meet the following requirements:
- Reduce surface tension at low concentrations and maintain this value for the required period of time;
-Environmentally friendly or has little impact on the environment.
The key parameters to determine the effectiveness of a surfactant are the reduction in surface tension and the critical micelle concentration (CMC). In firefighting applications, properties such as foaming ability, foam stability, and spreading are related to the reduction in surface tension. The use of surfactants at CMCs will result in better foaming performance [22, 35].
1.2.1.1. Hydrocarbon surfactants
Hydrocarbon surfactants are substances that can be adsorbed or concentrated at the liquid-liquid interface at dilute concentrations in solution and reduce surface tension. The structure of a surfactant consists of a non-polar hydrocarbon part called the hydrophobic part and a polar part called the hydrophilic part. A typical surfactant has a low molecular weight, the polar part is called the “head” of the molecule and the non-polar hydrocarbon part is called the “tail”. Some hydrophobic tails and hydrophilic heads commonly found in surfactant formulas are shown in Table 1.3. Surfactants are classified into four types according to the chemical structure of the hydrophilic group including anionic, nonionic, cationic and amphoteric. All of these types of surfactants can be used to make foam.
Fire fighting depends on the requirements and functions of each type of foam.
Table 1.3: Some important hydrophobic tails and hydrophilic heads of surfactants [36]
Hydrophobic tail
Hydrophilic head | ||
C n H 2n+1 C n H 2n-1 C n H 2n+1 C 6 H 4 C n F 2n+1 | COO K + , SO 3 Na + PO 3 2 2Na + OSO 3 Na + OPO 3 2 2Na + (OCH 2 CH 2 ) n OSO 3 NH 4 + (OCH 2 CH 2 ) n OH | N(CH 3 ) 2 O, NR 3 + Cl PR 3 + Cl , SR 2 + Cl CON[(OCH 2 CH 2 ) n OH] 2 N+(CH 3 ) 2 CH 2 COO |
The important factors affecting the foaming ability of fire-fighting foam concentrates are the solubility of surfactants and the CMC concentration. The CMC value is a basic property and the saturation point of surfactants on the air/water surface. The use of hydrocarbon surfactants helps maintain a stable foam structure on the surface, reducing surface tension. Using surfactants below CMC in fire-fighting foams is ineffective because the solution is not saturated, so the maximum surface tension reduction has not been achieved. Using surfactants higher than CMC is wasteful, because when CMC is reached, adding surfactants will not reduce surface tension. Therefore, when using hydrocarbon surfactants, it is necessary to pay attention to its CMC and develop a suitable concentrated foam concentrate formula.
Surfactant molecules exchange inside and outside the micelles, they attach to each other and detach from the air/water interface. When the air/water interface is formed or when foam is formed or the foam cover is disturbed, the micelles act as reservoirs of water and provide surfactant to form a new interface. If the micelles are stable, the foam is also stable. In addition to the above effect, studies have shown that the micelle structure in the foam helps to increase the stability of the foam by protecting the formed foam film [37-39]. Surfactants with high water solubility are often used.
Surfactants are commonly used in firefighting foams [40-43]
Sulfonate surfactants
R- SO 3M
In which: R: alkyl group (straight chain or branched chain) M: Na + , NH 4+
Sulfonate surfactants are less affected by environmental pH, the C-S bond has a fairly high resistance to hydrolysis reactions, they interact poorly with Ca 2+ and Mg 2+ ions (in hard water) so they form less precipitates than carboxylate surfactants. However, sulfonate surfactants are weaker than some other surfactants such as alcohol sulfate and nonion. This is a family of heat-stable surfactants (decomposition temperature > 350°C), including the following types:
- Linear alkyl benzene sulfonate (LAS)

R: alkyl (straight chain or branched chain C10 ÷ C18) in ortho, meta or para position relative to the –SO 3 M group. LAS can reduce the surface tension to low values depending on the alkyl chain structure.
- Olefin sulfonate (AOS)

Surfactants have straight hydrocarbon chains, are heat-stable, soluble in water, can withstand higher water hardness than LAS and reduce surface tension to low values. AOS has foaming ability due to its straight hydrocarbon chains and is more biodegradable than substances with branched chains or aromatic rings.
- Ethoxylate sulfonate
Is a family of surfactants suitable for use under high temperature conditions.
Sulfate surfactants
R – O – SO 3 M
Sulfate surfactants are more soluble but less thermally stable than sulfonate surfactants because the sulfate group is more soluble in water than the sulfonate group (there is more than one oxygen atom in the molecule) and the COS bond in sulfate is more susceptible to hydrolysis than the CS bond in sulfonate. The general advantage of alkyl ethoxylate or propoxylate surfactants with anionic groups such as sulfate and sulfonate is the combination of many hydrophobic and hydrophilic groups that work effectively when used.
Ethoxylated alcohol surfactant
Nonionic surfactants are highly soluble in water. Their hydrophilicity is determined by the hydrogen bonding of water to the ethoxylate group. The more atoms




![Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
zt2a3ge
zc2o3n4t5e6n7ts
At that time, the Branch had to set aside a provision for credit risks, which reduced the Branchs income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giangs profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project Restructuring the system of credit institutions in the period 2011-2015 approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services.
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giangs products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Ministers Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giangs treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giangs income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giangs corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giangs card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
div.maincontent .content_head3 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .p { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; }
div.maincontent p { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; }
div.maincontent .s1 { color: black; font-family:Courier New, monospace; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s2 { color: black; font-family:Times New Roman, serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 13pt; }
div.maincontent .s3 { color: black; font-family:Times New Roman, serif; font-style: italic; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s4 { color: black; font-family:Times New Roman, serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s5 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s6 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s7 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13.5pt; }
div.maincontent .s8 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; }
div.maincontent .s9 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -2pt; }
div.maincontent .s10 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: 5pt; }
div.maincontent .s11 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -5pt; }
div.maincontent .s12 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -3pt; }
div.maincontent .s13 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: -4pt; }
div.maincontent .s14 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 7.5pt; }
div.maincontent .s15 { color: black; font-family:Times New Roman, serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s16 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s17 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9.5pt; }
div.maincontent .s18 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -1pt; }
div.maincontent .s19 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -5pt; }
div.maincontent .s20 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -2pt; }
div.maincontent .s21 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10pt; }
div.maincontent .s22 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s23 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -3pt; }
div.maincontent .s24 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -5pt; }
div.maincontent .s25 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s26 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -4pt; }
div.maincontent .s27 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -6pt; }
div.maincontent .s28 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -1pt; }
div.maincontent .s29 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11.5pt; }
div.maincontent .s30 { color: black; font-family:Calibri, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11pt; }
div.maincontent .s31 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11pt; }
div.maincontent .s32 { color: black; font-family:.VnTime, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; }
div.maincontent .s33 { color: black; font-family:Cambria, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; }
div.maincontent .s34 { color: black; font-family:Cambria, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 10.5pt; vertical-align: -4pt; }
div.maincontent .s35 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11.5pt; }
div.maincontent .s36 { color: black; font-family:Arial, sans-serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; }
div.maincontent .s37 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 13pt; }
div.maincontent .s38 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13pt; }
div.maincontent .s39 { color: black; font-family:Times New Roman, serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 15pt; }
div.maincontent .s40 { color: black; font-family:Times New Roman, serif; font-style: normal; fo](https://tailieuthamkhao.com/uploads/2022/06/06/dich-vu-phi-tin-dung-tai-ngan-hang-thuong-mai-co-phan-dau-tu-va-phat-8-1-120x90.png)



![Section and Design Strength for Negative Moment Resistance in Fire-Resistant Conditions of Composite Beams Partially Encased in Concrete [13]](https://tailieuthamkhao.com/en/uploads/2025/02/08/section-and-design-strength-for-negative-moment-resistance-in-fire-resistant-conditions-of-120x90.jpg)