NCB Solves the Capital Management Challenge for Large Enterprises

Flexible yet secure investment options such as certificates of deposit are gradually becoming a preferred trend among large-scale enterprises, as they help businesses strike a balance between profitability objectives and liquidity requirements.

Major Corporations Deposit Trillions in Savings at Banks

Amid the volatility of the financial market, large enterprises are increasingly focusing on diversifying their investment channels and capital management instruments. Many major corporations and large enterprises in Vietnam are prioritizing bank deposits over riskier market options. The tens or even hundreds of trillions of Vietnamese dong in deposits are generating stable quarterly returns for industry giants in insurance, real estate, and energy.

Many corporations and large enterprises are pursuing cautious yet effective financial strategies.

As of the end of Q2/2025, an insurance group held nearly VND 127,512 billion in bank deposits, earning more than VND 3,463 billion in interest during the first half of 2025. Meanwhile, a major real estate enterprise maintained over VND 18,100 billion in deposits—accounting for 26% of its total capital—and generated VND 295 billion in interest within just six months. Another enterprise operating in the petrochemical sector held VND 42,000 billion in deposits, equivalent to 50% of its total assets.

This financial strategy demonstrates prudence and effectiveness: ensuring capital safety and liquidity for project readiness, while proactively building a solid financial cushion for long-term investment plans.

In response to this trend, banks have developed a wide range of specialized products for institutional clients, such as flexible-term deposits, centralized cash management accounts, certificates of deposit, and other valuable papers. Among these, certificates of deposit have become the preferred choice for many corporations and large enterprises, offering higher returns than traditional deposits while maintaining security and flexible tenors that accommodate large-scale capital management needs.

NCB “Loc Phat” – The Optimal Capital Management Solution for Large Enterprises

Recognizing market demand, National Citizen Commercial Joint Stock Bank (NCB) has launched the Loc Phat Certificate of Deposit, a product designed specifically for large enterprises. The product has quickly gained attention for its combination of profitability and flexible capital management.

The Loc Phat Certificate of Deposit offers large enterprises greater autonomy and flexibility in capital management.

With competitive interest rates, flexible tenors ranging from 1 to 36 months, and a minimum denomination of only VND 500 million per certificate, the product enables enterprises to allocate capital efficiently across different periods, enhancing treasury management without disrupting core business operations.

Notably, during periods of sudden capital needs—such as working capital supplementation, new project implementation, or seizing M&A opportunities—businesses can easily pledge or transfer their certificates of deposit, preserving accrued interest while readily converting assets into resources for new business opportunities.

This is one of NCB’s next strategic products aimed at empowering large enterprises with more proactive and flexible capital management. At the same time, NCB is developing a comprehensive ecosystem of non-credit financial solutions that function as an “operating toolkit” for corporations. Typical examples include: Payroll Service Packages – for efficient salary fund management and enhanced employee experience; Digital Banking Services (IB/MB) – enabling real-time transactions, monitoring, and cash flow control; Payment Accounts (CASA) and Fixed Deposits (FD) – maximizing the benefits of idle funds; and Flexible Foreign Exchange (FX) Packages – minimizing exchange rate risks and supporting enterprises in international transactions.

With a foundation of specialized products and a comprehensive suite of financial solutions, NCB is increasingly affirming its position as a trusted financial partner for large enterprises—not only providing flexible and secure capital management tools but also accompanying them on their long-term growth journey.

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