Enterprises Optimize Operations and Enhance Cash Flow Flexibility with Financial Solutions from NCB

Through comprehensive financial solutions along with various practical incentives, National Citizen Commercial Joint Stock Bank (NCB) provides tools to help enterprises optimize operations, enhance financial management capacity, and proactively manage resources at every stage of development.

According to data from the General Statistics Office, by the end of 2025, Vietnam had nearly 1.1 million active enterprises. Resolution No. 68 of the Politburo sets a target of increasing this number to 2 million enterprises by 2030, with the private sector maintaining an average growth rate of 10–12% per year, higher than GDP growth.

The increasing scale and competitiveness of the market have led to higher requirements for financial management and business operations. Enterprises are also paying greater attention to optimizing transaction costs, effectively managing cash flow, and leveraging financial tools to support payment activities, especially in the context of expanding trade.

Capturing these needs, National Citizen Commercial Joint Stock Bank (NCB) has implemented various preferential programs dedicated to corporate customers, focusing on essential services such as digital banking, term deposits, international payments, credit facilities, etc., accompanying enterprises to the fullest extent in the new context.

Effective cash flow management with NCB IziMobiz “financial assistant”

One of the key solutions developed by NCB for corporate customers is the NCB IziMobiz digital banking platform. Beyond transactional functions, this platform is designed to become a comprehensive financial management support tool, a “digital financial assistant” for customers.

NCB IziMobiz delivers a superior experience for enterprises in financial management and operations.

Enterprises can perform most financial transactions online on a single platform: internal transfers, 24/7 interbank fast transfers, bill payments, payroll disbursement, and account management with high processing speed and strong security.

A key differentiator lies in its automation capabilities. Users can set up recurring financial tasks such as scheduled transfers, bulk payments, supplier payments, or fixed expenses, significantly reducing manual workload for accounting departments and minimizing operational errors.

In addition, real-time reporting systems and cash flow visualization charts enable enterprises to closely monitor inflows and outflows, thereby making faster and more accurate financial decisions. This is particularly important for small and medium-sized enterprises, where management resources are limited but responsiveness to market changes is increasingly required.

Optimize idle cash flow, enhance capital utilization efficiency

In addition to operational support, NCB also helps enterprises effectively utilize idle funds through preferential deposit programs.

Enterprises depositing funds at NCB can enjoy preferential interest rates of up to 8% per annum.

From now until June 30, 2026, NCB is implementing the deposit promotion program “Deposit Now – Enjoy Attractive Offers” with interest rates of up to 8% per annum, competitive in the market, along with various practical gifts for deposits from VND 3 billion with terms from 6 months or more (or from 180 days for flexible-date deposit products).

In particular, enterprises depositing from VND 10 billion or more will receive a Chu Dau ceramic feng shui vase featuring delicately gold-painted hibiscus patterns, embodying cultural value and symbolizing luck and prosperity.

Safe, convenient, and cost-efficient international payments

For import-export enterprises or those frequently conducting international transactions, NCB has developed various preferential policies to help customers reduce costs and perform international transfers quickly and securely.

Accordingly, all corporate customers receiving inbound remittances to accounts at NCB are exempt from credit fees, while first-time customers conducting international transfers are exempt from all types of fees, including transfer fees, OUR charges, and telegraphic fees. Enterprises opening new CIFs and conducting international transfers are also offered premium business luggage as a gift.

NCB offers free international transfers for new customers.

For existing customers, fee packages are clearly structured with competitive incentives, enabling enterprises to proactively calculate costs from the outset and avoid unexpected expenses. Specifically, for transactions below USD 200,000, transfer fees are USD 40 per transaction (SHA) and USD 50 per transaction (OUR); for transactions from USD 200,000 and above, fees are USD 80 per transaction (SHA) and USD 150 per transaction (OUR). These packages include transfer fees, OUR charges, and telegraphic fees, allowing enterprises to effectively control costs when conducting international payments.

In addition to transaction and payment services, NCB is also accelerating the development of specialized credit solutions tailored to the diverse needs of different enterprise segments. The Bank currently offers various products such as financing for distributors in the fast-moving consumer goods (FMCG) sector with unsecured loans of up to VND 10 billion; credit solutions for enterprises executing projects funded by the state budget or ODA with guarantee collateral ratios from 0%; and credit facilities for enterprises in industrial zones based on property rights arising from land lease contracts.

These products are designed with flexibility and aligned with practical needs, enabling enterprises to proactively access capital, optimize cash flow, and maintain stable production and business operations at each stage of development.

For more detailed information, customers may refer to NCB’s website at https://www.ncb-bank.vn, contact NCB transaction offices/branches nationwide, or call the Hotline at (028) 38 216 216 - 1800 6166.