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Deposits Credits Internationalsettlements

Import -

exportfinancing

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1

2

Current account

Term Deposit

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1/ CURRENT ACCOUNT

Current account (non-term deposit) is a

type of deposits which you can useactively with flexible time.

Purpose: to conduct banking payment

transactions, not interest.

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2/ Term Deposit

A time deposit is a money deposit thatcannot be withdrawn for a certain "term" orperiod of time (unless a penalty is paid).When the term is over it can be withdrawnor it can be held for another term.

Purpose:

Safe and high interestsUsed as pledge, guarantee to request for

bank loans or financial commitment.

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2/ Project loan

1/ Business and

manufacturing loanfor urgent capital

demand

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1/ Business and manufacturingloan for urgent capital demand

Benefits Promptly satisfy urgent

temporary capital shortage of corporate.

Target customers Private Enterprises

who are in need of loans for smallbusiness operations and desire simpleprocedure for loan.

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2/ Project loan

This is the solution to capital shortage to extendcorporates business and manufacturingactivities or invest in new projects.

Benefits Loan term is middle to long period, and isregulated to match project duration.

Extend loan term for developing projects to

reduce repayment pressure for customers. Manage corporates working capital.Target customers: Organizations with having

legally feasible investment projects.

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Documentary Credit1

Collection of payment2

Remittance3

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1/ Documentary Credit(letter of credit)

Is one of the most secure paymentmethods in international trade, offeringadvantages for both importers and

exporters. If you are an importer, we can issuedocumentary credits on your behalf.

If you are an exporter, we can receiveadvice of documentary credits issued inyour favour.

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2/ Collection ofpayment

importer

exporter

Collecting bank

Remitting bank

(1)

(7) (2)(5a) (5b)

(6)

(3)

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3/ Remittance

This method is widely used in cases of

payment such as compensation, surplus,the terms of service ..

Tasks of bank only transfer money,

collect some fees, not be bound inpayment.

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Import financing1

Export finacing

2

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1/ Import financing

Satisfy foreign currency demand for

organizations to pay the costs of goodsand services provided by foreigncountries, contributing to meet theeconomic needs of society.

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2/ Export financing

Help exporters get money immediately tomeet the needs of the manufacturingoperations of its business, thus ensuringthat the import and export companiesconducting business continuously.

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