National Citizen Commercial Joint Stock Bank
HHNX:NVB13,700.00
VND
0.00
(0.00%)
ISIN
VN000000NVB1
Return %
Stock
S&P 500
1Y
-11.61
14.20
3Y
21.24
81.12
5Y
-39.18
68.34
Capital Structure
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in mil. unless spec.Growth Rates
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in mil. unless spec.Quarterly Revenue
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in mil. unless spec.Quarterly Earnings Per Share
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in mil. unless spec.Company Description
- Full Time Employees
- 2,318
- Sector
- Finance
- Industry
- Regional banks
- Address
- Ha Noi Vietnam
- IPO Date
- Sep 13, 2010
- Website
- ncb-bank.vn
- Similar Companies
- Business
- National Citizen Commercial Joint Stock Bank (HNX: NVB), commercially known as NCB, is a Vietnam-based financial institution primarily engaged in the provision of commercial banking, retail banking, treasury, and corporate financial services to individual consumers, household businesses, small and medium-sized enterprises (SMEs), and corporate entities across Vietnam. Founded in 1995 and headquartered in Hanoi, Vietnam, the bank operates across major economic regions nationwide through an extensive branch and transaction office network alongside omni-channel digital banking platforms. The bank structures its operations into three primary business segments: Retail Banking, Corporate Banking, and Treasury and Financial Markets. Its retail banking product portfolio includes demand, term, and tiered savings deposit accounts; residential real estate mortgages, auto loans, unsecured personal consumer loans, and business production credit; domestic and international debit and credit cards issued under Napas and Visa schemes; wealth management and bancassurance distribution services; domestic and cross-border fund transfers; and mobile financial management through the proprietary NCB iziMobile application. Its corporate banking portfolio comprises corporate current accounts, structured deposit products, and liquidity management solutions; short-term working capital facilities, medium- to long-term project and asset-backed financing, and syndicated loans; comprehensive trade finance instruments, including import-export documentary collections, letters of credit (L/Cs), and performance and payment guarantees; supply chain financing, merchant acquiring, and payroll administration services; and corporate digital banking services via the NCB iziBankbiz platform. The bank's treasury and financial markets segment conducts foreign exchange transactions including spot, forward, and currency swaps; interbank money market placements and borrowings; and domestic government bond and fixed-income security investments. In recent operational developments, National Citizen Commercial Joint Stock Bank has executed a multi-year restructuring and digital transformation strategy in alignment with State Bank of Vietnam regulations. Key strategic initiatives and operational changes include substantial charter capital increase programs to reinforce the bank's capital adequacy ratio and credit expansion capacity; strategic partnerships with global management consultancies such as Oliver Wyman to redesign its retail and SME business models and enhance enterprise risk management; infrastructure modernization collaborations with cloud and telecommunications providers to upgrade core systems and data architecture; and the deployment of upgraded digital banking capabilities featuring automated electronic Know Your Customer (e-KYC) verification, digitized loan origination, and enhanced corporate cash management services.