Thuyết trình lending products for business of in viet nam

• Loan period: Flexible, 9 months at maximum • Loan methods: time by time or according to credit limit • Loan interest: According to regulations by CB in each period • Collaterals: Rea

LENDING PRODUCTS

GROUP 5

• Do Duc Anh

• Nguyen Huy Minh

• Nguyen Thu Ha

• Nguyen Thanh Thao

• Bui My Linh

COMERCIAL BANK

COMERCIAL BANKS

IN OF

2 Working capital loans 7 Overdraft loans

3 Interim construction financing

4 Security dealer financing

8 Syndicated loans

5 Retailer and equipment financing

6 Asset- based loans

9 Project loans

10 Import & Export finacing

1 Self-liquidating inventory loans

1 Self-liquidating inventory loans

G5

Characteristics:

• Currency: VND or foreign currency.

• Loan period: Flexible, 9 months at maximum

• Loan methods: time by time or according to credit limit

• Loan interest: According to regulations by CB in each period

• Collaterals: Real estates, goods and assets from borrowed funds etc, or without collaterals.

Benefits:

• Financing is carried out when there is no export contract, or only principle contract is available.

• Flexible financing since from material procurement to the receiving of money from import partner.

• Be financed without collateral relative to each kind of customers.

• Reasonable interest rate.

• Simple loan borrowing procedure, with fast documents handling

Definition: This loan aims to support enterprises’ needs in case of lacking of working capital Through this loan, commercial banks will help enterprises in payment for domestic costs, support domestic business activities or business expansion

2 Working capital loans

G5

Characteristics:

• Currency: VND or foreign currency.

• Loan period: Flexible, 12 months at maximum

• Loan methods: time by time or according to credit limit

• Lending methods: limit, circular limit;

• Lending amout: depending on the customers' needs, repayment sources, equity capital and collateral assets

Benefits:

• The lending procedures are simple and convenient, with one set of borrowing documents for many disbursements That allows you to plan ahead the capital source

• Appropriate when you have regular credit demand, fast working capital rotation and good credit history

Definition: Meet all the frequent working capital needs and legal capital needs of your Corporate for the production and business activities

3 Interim construction

financing

G5

Characteristics:

• Currency: VND or foreign currency.

• Loan period: Flexible, 12 months at

maximum

• Disbursement: According to work progress

• Loan interest: According to regulations

by CB in each period

• Collaterals: Real estates, goods and

assets from borrowed funds etc, or without collaterals.

Benefits:

• Timely meeting the demand of capital for construction works

• Be financed without collaterals basing

on receivables of project owners

• Reasonable interest rate

• Simple loan  procedures, with fast documents handling

Definition: Construction financing is short term loan, meeting demand of capital for corporate for construction works

4 Security dealer

financing

G5

Characteristics:

• Currency: VND.

• Loan period: Flexible, 12 months at

maximum

• Lending methods: Loan disbursement will be made one-off/in one installment

• Loan interest: According to regulations

by CB in each period

• Collaterals: Loans must be secured by real estate items.

Benefits:

• Timely meeting customer’s needs of capital for investing and trading

securities

• Competitive credit rate

• Simple and fast procedure helps customers save time in transactions

• Simple conditions and documents required

• Our professional and experienced staff will offer free advices and recommend clients to choose the most efficient loan proposals

Definition: Feeding the capital need for investing and trading company’s in securities Vietnam

5 Retailer and equipment

financing

G5

Characteristics:

Currency: VND or foreign currency.

• Loan period: 12 months at maximum

• Disbursement: According to work progress

• Loan interest: According to regulations

by CB in each period

• Collaterals: assets with high liquidity, housing and land use right at the conveniently located, easy transfer

Benefits:

• In a 12-month period, enterprises with stable funding to serve production and business activities, timely capture business opportunities

in the market;

• Businesses can repay the principal at any time

of the original repayment period if the initiative

is the source of repayment which could not take charge early repayment, help customers reduce the cost of borrowing and repayment pressures corner

Definition: Loans that are originated by a retailer to its customers and are then sold to a bank or other third-party financial institution The bank purchases these loans at a discount and then collects principle and interest payments from the borrower Also called an indirect loan

6 Asset- based loans

G5

Characteristics:

Customizable loan conditions based on characteristics of each microenterprise;

• Currency: VND or foreign currency.

• Loan period: Flexible, 12 months at

maximum

• Loan interest: According to regulations

by CB in each period

• Lending limitation: maximum 7 billion

VND

Benefits:

• ABL provides ready cash to support liquidity needs, eliminating the need

to wait for the collection of receivables

• ABL provides important funding for companies in cyclical or seasonal industries by providing liquidity during slow sales periods and periods of

inventory buildup

• ABL provides rapidly growing companies the cash to fund growth or replenish internal capital used to fund growth by financing increases in

receivables and inventory

Definition: This type of loan is ideal for a business that has a lot of inventory, accounts receivable, or equipment, but needs the funds to grow the business or get through a cash flow crisis

7 Overdraft loans

G5

Characteristics:

• Currency: VND or foreign currency.

• Loan period: Flexible, 12 months at

maximum

• Disbursement: According to work progress

• Loan interest: According to regulations

by CB in each period

• Collaterals: Real estates, goods and

assets from borrowed funds etc, or without collaterals.

Benefits:

• Timely meeting the demand of capital for construction works

• Be financed without collaterals basing

on receivables of project owners

• Reasonable interest rate

• Simple loan  procedures, with fast documents handling

Definition: This is a type of credit in which you can withdraw capital under a credit facility

8 Syndicated loans

G5

Characteristics:

• Currency: VND or foreign currency.

• Loan period: medium term

• Loan interest: under the agreement among co-financing banks

• Lending method: subject to investment

projects

Benefits:

• The syndicated loans granted by several banks are much larger than loans by a single bank

• The arranger will underwrite the loan and make arrangements among co-financing banks for drawdown

• Can borrow larger loan through syndicated loan

Definition: is a form of loan business in which two or more lenders jointly provide

loans for one or more borrowers on the same loan terms and with different duties and sign the same loan agreement Usually, one bank is appointed as the agency bank to manage the loan business on behalf of the syndicate members

9 Project loans

G5

Characteristics:

• Lending amount can be up to 85% of Project’s costs and no limit on project size

• Appropriate and competitive interest rate

• Various types of lending currency:

VND, USD or other hard currencies depending on bank’s regulations in each period

• Loan term: up to 15 years

• Collateral: assets formed from the loan

or other assets as regulation of commercial banks

Benefits:

• Flexible lending period (from 1 year

up to 15 years), grace period and debt-returning period suitable to the cash flow of the project and the

company

• Fast and convenient proceedings of borrowing documents, enabling the customer to seize the business

opportunity

Definition: Project loan is a financing product of medium- and long-term to meet the

demand for loans for investing in projects (Real estate, Factories, machinery and equipments,

Transportation vehicles, Special projects).

10 Import & e xport financing G5

Characteristics:

• Currency: VND or foreign currency.

• Loan period: 12 months maximum

• Loan interest: As specified in regulations by commercial banks in each period

• Lending method: Time by time or according to credit limit

Benefits:

• Being timely financing, serving the needs of short-term capital import and export business

• There are many different funding methods: import financing, export financing before delivery and after delivery

• Sponsored many different payment methods such guests L/C, D/P, D/A

• Sponsored by VND or USD can

• Concessional interest rates attractive financing rates high

Definition: Providing preferential loan package, attractive interest rates, timely funding for short-term capital needs of export-import businesses Help businesses minimize the

exchange rate risk

1 Thế nào là cho vay theo hạn mức thấu chi?

 A: Là loại tín dụng mà ngân hàng cho phép khách hàng sử

dụng vượt quá số tiền mà họ đã ký gửi ở ngân hàng trên tài khoản vẵng lai với một số lượng và thời gian nhất định.

B: Là loại tín dụng mà ngân hàng cho phép khách hàng sử dụng vượt quá số tiền mà họ đã ký gửi ở ngân hàng trên tài khoản thanh toán với 1 lượng nhất định.

C: Là loại tín dụng mà khách hàng cho phép khách hàng sử dụng vượt quá số tiền mà họ đã ký gửi ở ngân hàng trên tài khoản tiền gửi.

D: Gồm cả B và C

2 Các tài sản cầm cố, thế chấp chủ yếu là gì?

A : Cầm cố bằng chứng khoán, cầm cố

bằng thương phiếu, thế chấp bất động sản B: Cầm cố bằng thương phiếu, cầm cố

bằng hàng hoá, thế chấp bất động sản.

C: Cầm cố bằng thương phiếu, cầm cố

bằng hàng hoá, thế chấp bất động sản,

cầm cố bằng chứng khoán, cầm cố bằng

hợp đồng thầu khoán.

D: Cầm cố bằng chứng khoán, cầm cố bằng thương phiếu, thế chấp bất động sản và

cầm cố bằng hợp đồng thầu khoán.

3 Vì sao các ngân hàng lớn như Vietcom, Vietin, BIDV có khá ít các sản phẩm cho vay các doanh nghiệp, trong khi các ngân hàng bé hơn có rất nhiều các sp đa dạng, khác nhau?

THANKS FOR LISTENING