NCB Accompanies Enterprises in Implementing Public Investment, ODA, and National Defense Projects

The National Citizen Commercial Joint Stock Bank (NCB) affirms its role as a trusted financial partner for enterprises participating in public investment, ODA, and national defense projects through flexible and comprehensive financial solutions, contributing to effective public investment and the enhancement of socio-economic infrastructure.

Continuing Capital Flows for Projects that Shape the Future

Vietnam is entering a phase of robust development, with public investment identified as a key driver of growth. In 2025, the total allocated public investment capital exceeds VND 1 quadrillion — the highest ever — creating a strong impetus for modernizing national infrastructure and expanding the development space of the economy. At the same time, ODA capital continues to play a leading role in large-scale projects related to renewable energy, transportation, water supply and drainage, education, and healthcare. In the first eight months of 2025 alone, Vietnam mobilized nearly USD 450 million in ODA and concessional loans from foreign partners; by the end of the year, an additional USD 370 million is expected. Meanwhile, projects in the defense sector also play an important role in the nation’s economic and social development.

Enterprises participating in public investment, ODA, and national defense projects are contributing to creating value for the country in a new era

However, such enterprises often face working capital challenges, as their capital needs are large and continuous while they must still ensure project progress and operational efficiency. This reality calls for flexible financial solutions and long-term partnership — one that thoroughly understands the characteristics of each funding source and possesses the capability to arrange financing effectively, safely, and efficiently.

NCB – Specialized Financial Solutions Across the Entire Project Lifecycle

Understanding the specific needs of enterprises in this field, NCB has developed a comprehensive, specialized financial package exclusively for customers implementing projects financed by the State budget, ODA funds, or contracts and tenders in the defense and security sectors. The solution is designed to accompany clients throughout the entire project lifecycle — from bidding, signing, and construction to acceptance and payment.

NCB finances up to 90% of capital needs for enterprises executing national defense and security projects.

A standout feature of this financing package lies in its flexible policies and exceptional incentives, simultaneously meeting capital, guarantee, and credit commitment needs. Specifically, NCB applies a guarantee deposit ratio starting from 0%, offers up to 30% discount on guarantee issuance fees, and finances up to 90% of each business plan’s capital requirements and 80% of the output contract value. Enterprises can also access a receivables-based financing package of up to VND 50 billion, with a loan-to-value ratio of 75-80%, enabling flexible use of pending receivables to reinvest or expand operations.

For projects funded by the State budget or ODA requiring proof of financial capability, NCB supports the issuance of unconditional credit commitments with a deposit ratio starting from only 5%, enhancing the enterprise’s credibility in dealings with investors and regulatory authorities.

With its comprehensive product structure, NCB’s solution helps enterprises reduce counterpart capital pressure, optimize financial costs, maintain construction and settlement progress, and enhance management capacity in line with transparent financial standards.

With a mission to accompany enterprises in creating value for the nation in a new era, NCB focuses on empowering national key projects through its strong financial capacity, advanced digital solutions, and a team of experienced experts deeply understanding each sector’s characteristics. As a result, NCB increasingly affirms its role as a strategic financial partner for enterprises, contributing to effective public investment, strengthened socio-economic infrastructure, and sustainable national development.

* For more details about the program and other attractive offers, customers can visit NCB’s website at https://www.ncb-bank.vn/, contact any NCB transaction office/branch nationwide, or call the hotline at (028) 38 216 216 - 1800 6166.