NCB Offers Preferential Term Deposit Program for Businesses

With competitive interest rates and valuable gifts, the new preferential program from National Citizen Commercial Joint Stock Bank (NCB) helps small and medium-sized enterprises (SMEs) optimize their finances and achieve stable, efficient investment returns in the current market context.

Optimize Idle Cash Flow – Receive Elegant Gifts with NCB

According to the latest data from the State Bank of Vietnam, corporate deposits at credit institutions rebounded in May 2025 after several months of decline. In the first five months of the year, the total balance of corporate deposits at credit institutions reached over VND 7.7 quadrillion, up 0.97% compared to the end of 2024. This development clearly reflects the trend of businesses shifting toward safer investment channels, prioritizing capital preservation amid market volatility.

In practice, for small and medium-sized enterprises, optimizing idle cash flow is always a top priority. Instead of taking risks by investing in high-yield but volatile channels, many businesses opt for term deposits at banks — a stable financial solution offering reasonable interest rates, flexible liquidity, and suitability for medium- and long-term financial planning.

NCB Provides Flexible Deposit Solutions with Competitive Interest Rates and Premium Gifts for Businesses

Understanding market needs, many commercial banks have launched preferential programs exclusively for corporate customers opening term deposit contracts. Among them, NCB offers flexible deposit solutions with competitive interest rates and premium gifts tailored to businesses of various scales.

Specifically, from August 1, 2025, businesses making 6-month term deposits at NCB will enjoy an attractive annual interest rate of 6.12%. For longer terms, the rates become even more appealing — 6.5% per annum for terms of 12 months or more. These stable returns enable enterprises to proactively manage their capital while maintaining investment efficiency.

In addition, NCB presents practical and aesthetically refined gifts as a token of appreciation to corporate customers. Accordingly, when opening a term deposit contract from VND 3 billion with a term of at least 6 months (or from 180 days for flexible-date deposit products), businesses will receive an elegant premium suitcase worth VND 1 million — ideal for short business trips. For deposit contracts valued at VND 5 billion, NCB offers a premium tea set worth VND 3 million, designed with sophistication for important client meetings.

Especially, businesses depositing VND 10 billion or more will receive a Chu Dau ceramic “Prosperity Vase” adorned with hand-painted confederate rose motifs in gold, valued at VND 5 million. This culturally rich and artistic gift not only enhances office décor but also symbolizes prosperity and good fortune for the business.

Sustainable Partnership with Vietnamese Enterprises

The preferential term deposit program is one of NCB’s initiatives to accompany enterprises in financial management and operational efficiency. With a mindset of innovation, creativity, and continuous improvement, NCB has, in recent years, consistently invested in infrastructure upgrades, technological solutions, and digital transformation to optimize customer experience. NCB has enhanced its digital banking platform, NCB iziBankbiz, exclusively for corporate clients, with two flexible versions: Internet Banking and the iziMobiz mobile application. Both are designed to optimize user experience, strengthen security, and improve financial management efficiency for businesses.

NCB Continues to Affirm Its Role as a Trusted Partner for Vietnamese Businesses

NCB also continues to develop specialized credit solutions — from financing distributors in the fast-moving consumer goods (FMCG) sector, offering unsecured loans of up to VND 10 billion, to providing credit packages for enterprises implementing projects funded by the state budget or ODA with a guarantee deposit ratio as low as 0%. Additionally, NCB extends credit to enterprises in industrial parks based on asset rights from land lease contracts. Each solution is designed with flexibility and practicality to support businesses in managing capital proactively at every development stage.

With these tailored, flexible solutions aligned with practical business needs and a long-term partnership commitment, NCB is affirming its position as a reliable companion of Vietnamese enterprises. At the same time, the Bank contributes to implementing the Government’s and the banking sector’s policies supporting production and business activities, promoting economic growth, and laying the foundation for stable and sustainable development in the coming period.

For more information about NCB’s products and services, customers can contact NCB’s transaction offices/branches nationwide or call the Hotline: (028) 38 216 216 – 1800 6166.