Thuyết trình lending products for business of in viet nam

LENDING PRODUCTS FOR
BUSINESS

DEFENDER GROUP 5

OF
COMERCIAL BANKS

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Do Duc Anh

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Nguyen Huy Minh

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Nguyen Thu Ha

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Nguyen Thanh Thao

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Bui My Linh

IN

COMERCIAL BANK

CONTENTS

G5

1. Self-liquidating inventory loans

6. Asset- based loans

2. Working capital loans

7. Overdraft loans

3. Interim construction financing

8. Syndicated loans

4. Security dealer financing

9. Project loans

5. Retailer and equipment financing

10. Import & Export finacing


1. Self-liquidating inventory loans
Definition:

G5

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.

Characteristics:

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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:

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

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

partner.

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Be financed without collateral  relative to each kind of customers.
Reasonable interest rate.
Simple loan borrowing procedure, with fast documents handling


2. Working capital loans

G5

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

Characteristics:

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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:

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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.

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


3. Interim construction financing

G5

Definition: Constructon fnancing is short term loan, meetng demand of capital   for corporate for constructon works

Characteristics:

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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:

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Timely meeting the demand of capital for construction works.
Be financed without collaterals basing on receivables of project
owners.

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Reasonable interest rate.
Simple loan  procedures, with fast documents handling


4. Security dealer financing

G5

Definition: Feeding the capital need for investng and trading company’s in securites Vietnam.

Characteristics:

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Currency: VND.
Loan period: Flexible, 12 months at maximum
Lending methods: Loan disbursement will be made one-off/in one

installment.

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Loan interest: According to regulations by CB in each period
Collaterals: Loans must be secured by real estate items.

Benefits:

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

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Competitive credit rate.
Simple and fast procedure helps customers save time in
transactions.

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Simple conditions and documents required.
Our professional and experienced staff will offer free advices and
recommend clients to choose the most efficient loan proposals


5. Retailer and equipment financing
Definition:

G5

Loans that are originated by a retailer to its customers and are then sold to a bank or other third-party fnancial insttuton. The bank purchases these loans at a discount and then

collects principle and interest payments from the borrower. Also called an indirect loan.

Characteristics:.
Currency: VND or foreign currency.

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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:

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In a 12-month period, enterprises with stable funding to serve producton and
business actvites, tmely capture business opportunites in the market;

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Businesses can repay the principal at any tme of the original repayment period if
the initatve is the source of repayment which could not take charge early
repayment, help customers reduce the cost of borrowing and repayment pressures
corner.


6. Asset- based loans

G5

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.

Characteristics:
Customizable loan conditions based on characteristics of each microenterprise;

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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:

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ABL provides ready cash to support liquidity needs, eliminating
the need to wait for the collection of receivables.

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

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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.


7. Overdraft loans

G5

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

Characteristics:

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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:

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Timely meeting the demand of capital for construction works.
Be financed without collaterals basing on receivables of project
owners.

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Reasonable interest rate.

Simple loan  procedures, with fast documents handling


8. Syndicated loans
Definition:

G5

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.

Characteristics:

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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:

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

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

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Can borrow larger loan through syndicated loan


9. Project loans
Definition:

G5

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).

Characteristics:

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

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Appropriate and competitive interest rate
Various types of lending currency: VND, USD or other hard
currencies depending on bank’s regulations in each period.

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Loan term: up to 15 years.
Collateral: assets formed from the loan or other assets as
regulation of commercial banks

Benefits:

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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

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


10. Import & export financing
Definition:

G5

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 .

Characteristics:

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Currency: VND or foreign currency.
Loan period: 12 months maximum
Loan interest: As specified in regulations by commercial banks in

each period

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Lending method: Time by time or according to credit limit

Benefits:

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

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There are many different funding methods: import financing,

export financing before delivery and after delivery

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

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Sponsored by VND or USD can
Concessional interest rates attractive financing rates high


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