Specialized Financial Solutions for Large Enterprises from NCB

Accompanying large enterprises in breakthrough development, the National Citizen Commercial Joint Stock Bank (NCB) has developed and provided a suite of specialized, tailor-made financial solutions for each industry group and operating model, ensuring rapid and timely support in the new economic landscape.

As Vietnam enters a high-growth cycle of the “Era of Rising Momentum,” major corporations and large enterprises increasingly assert their leading role as key drivers of economic expansion and structural transformation. The need for a financial partner with strong capacity, expertise, flexibility, and deep understanding has become more essential than ever. In this context, customized financial solutions aligned with the operational realities and cash-flow cycles of each industry and business model will serve as powerful tools that help enterprises grow rapidly, sustainably, and effectively amidst constant market fluctuations and rising competitive pressures.

A strong, specialized, and insightful financial partner enables enterprises to grow faster, stronger, and more sustainably

Understanding this need, NCB has pioneered the development of comprehensive financial solution packages designed specifically for large enterprises across different industries and operating models. These solutions focus on five key enterprise groups: construction – infrastructure – real estate; supply chain businesses; services – tourism – entertainment; entities implementing state-budget projects; and securities and financial companies. This approach represents not only a timely response to market demands but also NCB’s long-term commitment to providing capital, optimizing resources, and enhancing capital efficiency for enterprises anytime, anywhere.

Specialized Financial Solutions for Each Industry Group and Business Model

For construction, infrastructure, and real estate enterprises, NCB offers specialized solutions tailored to large capital requirements, long business cycles, and cash flow distributed according to project progress. Enterprises can choose flexible collateral options, ranging from unsecured loans to secured loans using suitable assets such as real estate, transportation vehicles, or receivables, depending on the nature of each project. Alongside these, tender guarantees and payment guarantees with competitive interest rates and a collateral margin ratio starting from 0% help enterprises supplement capital promptly, maintain stable cash flow, and strengthen credibility and negotiation power.

NCB provides flexible capital to accompany general contractors and major real estate developers

For enterprises operating in chains or ecosystems, NCB provides financing for anchor companies while simultaneously offering factoring for tier-1 and tier-2 suppliers through a streamlined credit appraisal process and fast disbursement within one day. Factoring transactions are processed online via the SCF platform with terms of up to 364 days, financing rates up to 100%, and credit limits up to VND 2,800 billion per customer. This enables enterprises to quickly channel capital into production and business activities, reduce working capital pressure, and improve financial efficiency across the entire supply chain.

In the services, tourism, and entertainment sectors, NCB develops credit solutions tailored to seasonal business characteristics, offering flexible loan terms and repayment methods aligned with revenue cycles. NCB also supports tier-1 and tier-2 ticket agents in optimizing costs by timing their financial commitments appropriately. In addition, NCB provides a comprehensive suite of payment, foreign exchange, and insurance services to ensure efficient operations, especially during peak seasons, helping enterprises expand with confidence.

For entities involved in state-budget projects, NCB fully meets capital and guarantee needs from the bidding stage to project completion, ensuring quick disbursement, streamlined procedures, and transparent processing aligned with project timelines. Meanwhile, securities companies requiring enhanced financial capability to expand margin lending, underwriting, and advance payment services are supported by NCB through credit packages financing up to 90% of capital needs (excluding borrowing from other credit institutions), with flexible procedures and fast disbursement, enabling them to capture opportunities and increase competitive advantage in the market.

Comprehensive Support, Enhanced Business Value

Beyond providing timely and flexible capital, NCB offers integrated financial solutions that help large enterprises optimize operations and management. Notable offerings include competitive-term deposit products that maximize returns on idle funds, payroll service packages that streamline compensation management, and flexible foreign exchange (FX) transaction packages that help mitigate exchange-rate risks and enhance profitability. Additionally, enterprises benefit from free account maintenance, no minimum balance requirements, free registration and maintenance of Internet Banking and Mobile Banking, and free transfers, batch payments, and bill payments.

With NCB’s solutions, large enterprises can optimize payroll management and standardize financial operations

For international trade activities, NCB offers non-recourse L/C document discounting, enabling enterprises to receive payment on the same day with early financing of up to 100% of document value. These funds are not recorded as outstanding debt, significantly improving financial ratios and optimizing profitability. The bank also provides free advisory services for document preparation and processing, helping enterprises reduce errors, save time, and lower operational costs.

NCB is recognized as one of the fastest-growing and most rapidly transforming banks in Vietnam’s banking sector. Over four consecutive years (2022–2025), NCB has executed three capital increases, with the third expected to be completed in 2025, raising the bank’s charter capital to VND 19,200 billion. This provides a strong foundation for breakthroughs in digital transformation, infrastructure investment, and business expansion, enhancing NCB’s competitiveness and its capacity to meet the capital needs of large enterprises.

With targeted solutions, dedicated services, and practical partnership, NCB is becoming the strategic choice of an increasing number of large enterprises on their journey toward sustainable growth and breakthrough achievement in the new era.

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