NCB Provides Flexible Financial Solutions for Large Enterprises in Tourism, Entertainment, and Securities

The National Citizen Commercial Joint Stock Bank (NCB) has just launched a series of specialized credit solutions exclusively for large enterprises in the securities and tourism–entertainment sectors, helping customers proactively manage cash flow, enhance competitiveness, and seize growth opportunities.

Proactive liquidity in peak season – Financial advantage for large-scale ticket agents

The peak tourism season is bustling across the country, driving strong demand for travel, accommodation, and entertainment. According to the latest data from the Statistics Department, in the first 7 months, Vietnam welcomed a record of more than 12 million international visitors, up nearly 23% compared to the same period last year. Domestic tourists also grew impressively by 18.1%, especially in coastal cities and integrated resorts.

In response to surging demand, large-scale airline ticket agents and tourism service distributors with nationwide capabilities are accelerating system expansion, improving service quality, and boosting market share. However, cash flow management becomes a major challenge as demand for advance payments and ticket settlements rises while collection periods remain lengthy.

Accompanying enterprises in development, the National Citizen Commercial Joint Stock Bank (NCB) has implemented a specialized chain financing program for airline ticket, tourism, entertainment, and resort agents through overdraft products and working capital financing. This solution is designed specifically by NCB to help agents proactively secure capital to pay for tickets and input costs arising during the peak season, promptly fulfill large orders, maintain continuous operations, and implement effective sales campaigns.

NCB grants overdrafts and working capital financing, helping ticket agents proactively manage liquidity during peak season

At the same time, NCB provides additional specialized financial solutions such as ticket advance loans with flexible terms and repayment methods suited to seasonal revenue characteristics; factoring services to shorten receivables collection periods and increase capital turnover capacity. Accompanying foreign exchange and insurance services also help control exchange rate risks, reduce costs, and improve management efficiency during the peak season.

Strengthening financial capacity for securities companies to capture market waves

Securities companies are also undergoing strong transformation, particularly with growing needs for investment in digital transformation and expansion of product–service ecosystems. However, the biggest obstacle for enterprises in this sector is the lack of suitable collateral to access traditional credit.

Understanding this need, NCB has specifically designed a credit program with financing of up to 90% of borrowing needs, with lending rates from 2.9%/year for the purpose of investing in government bonds by securities companies. This solution is meticulously “tailor-made,” appropriate and dedicated to securities companies with annual revenue of VND 100 billion or more in the latest fiscal year, helping enterprises proactively secure capital, optimize investment efficiency, and enhance financial capacity in the market.

NCB finances up to 90% of capital needs for large-scale securities companies

In 2025, with a comprehensive renewal in business strategy, NCB has continuously improved operational efficiency and financial capacity, ready to meet the financing needs of large-scale projects and enterprises. Cumulatively in the first 6 months, the bank’s after-tax profit reached more than VND 462 billion, a sharp increase compared to VND 6 billion in the same period in 2024. Total assets as of June 30, 2025 reached more than VND 144,054 billion, up 21.6% compared to the end of 2024 and exceeding by 6.3% the full-year 2025 target of VND 135,500 billion. Recently, NCB was also approved by the State Securities Commission for its plan to increase charter capital to VND 19,280 billion, marking the third consecutive capital increase in four years.

With increasingly strengthened financial capacity, specialized and flexible credit solutions closely aligned with the needs of each industry, NCB is affirming its position as a reliable strategic partner for large-scale enterprises in key economic sectors, enhancing competitiveness and ready to accelerate in the new era.

* For more detailed information, customers can visit the NCB website at https://www.ncb-bank.vn/, contact NCB transaction offices/branches nationwide, or call Hotline (028) 38 216 216 – 1800 6166.