GENERAL INTRODUCTION
I. About us
- SAIGON COMMERCIAL BANK
- Vietnamese name: Ngân hàng Thương Mại Cổ Phần Sài Gòn
- English name: Saigon Commercial Bank
- Brand name: SCB
- Head office: 242 Cong Quynh, Pham Ngu Lao Ward, Dist 1, HCM City
- Operation license: 00018/NH - GF
- Business Registration No: 4103001562 (First registration: 30Jun 1992 with original No. : 059019, Re-registration: 16 April 2003, the 17th re-registration: 20 August 2008)
- Tel: (84 8) 3920 6501
- Fax: (84 8) 3920 6505
- Email: scb@scb.com.vn
- Website: http://www.scb.com.vn
- TELEX: 811558 SCB VT SWIFT: SACLVNVX
II. Main products and services
- Fund-mobilizing activity
- Fund mobilized from corporate and individual customers in VND, foreign currency, gold with a diversified range of deposit terms and attractive interest rate.
- Demand deposit: overnight investment enjoying high interest rate.
- Lottery and promotional programs for savings deposit.
- Deposit and savings deposit products combining with SCB’s charity activities.
- Flexible accumulated savings deposit: meeting all demands of studying, pension, consumption, transportation, traveling, real estates, …
- Deposit products: automatically adjusting with higher interest, partial withdrawal with ladder interest, interest swap – maturity extension…
- Savings deposit products for female customers: 8-golden-letter savings, intelligent wallet, “Bà Triệu” account …
- Additional interest for 50-year-old-and-over customers.
- Coupon with additional interest for depositors at SCB.
- Policy for female customers “Thanks for roses”.
- Credit
- Short-term loan:
- Lending for working capital supplement.
- Lending for producing export goods.
- Negotiating documentation of export goods.
- Factoring.
- Medium and Long term loan:
- Lending for project investment.
- Lending for building premises and warehouses.
- Lending for purchasing machines.
- Trade financing in VND with USD interest rate.
- Lending for car purchasing.
- Lending for repairing, purchasing and building house.
- Lending for studying.
- Consumer loan.
- Domestic and international guarantee.
- Policies to grant credit at SCB:
- Supporting to make investment and business plan.
- Free of relevant domestic service charges.
- Sponsoring 50% of insurance premium for collateral.
- Wholesale banking:
- Trusted loan.
- Syndicated loan.
- Security trading: lending with collateral being listed or unlisted stocks.
- Services
- Payment account, payroll service, standing order …
- International Settlement services (Collection, export/import payment under L/C…)
- Domestic and overseas remittances.
- Overseas remittances by 25 kinds of currency.
- Foreign exchange and gold trading.
- Overseas remittances.
- Card service.
- Real estate consultancy.
- E-banking service: SMS Banking, Phone Banking, Internet Banking.
- Direct investment.
- Repo.
- Treasury.
- Other services.
III. Our Chartered capital
Since 15th July 2009, chartered capital of the Saigon Commercial Bank (SCB) has reached VND 3,635,428,960,000.00 (in words: Vietnam dong three thousand six hundred and thirty five billion, four hundred and twenty eight million, nine hundred and sixty thousand).
IV. Our Network
As of 30th June 2009, SCB’s branch network includes: Head office, main transaction office and more than 90 branches and transaction offices, savings counters in the following regions:
V. Our orientation
Our orientation is to direct SCB towards a stable and sustainable development, to build SCB as an universal bank with modern services and service quality reaching customers’ high appreciation, and to expand its business activities the determined target of being one of the most sustainable and strongest financial group in domestic market and step by step approaching the regional and the global market.
VI. Our target
- Increasing value for shareholders.
- Developing various types of products and services of a modern bank.
- Maintaining the satisfaction, loyalty and association of customers to SCB.
- Ensuring the growth and sound financial capacity.
- Continually enhancing working motive and creativeness of its staff.
VII. Human Resources and Training activity
As of 30th June 2009, SCB has 1,501 employees, increasing 12.18 % against 2008, in which the number of post-graduates account for 0,93 %, university graduates: 61,43 %, high-school, college graduates: 13,86%.
Traning and re-training activities are paid high attention and considered as a development strategy of SCB. In addition to internal training, SCB coordinates with local and overseas training centers, universities and organizations to hold many training courses for all staff members of SCB. SCB’s training center was set up in early 2008.
VIII. Partners
- Equity investment in Sai Gon Phu Gia Investment Corporation, Tan Viet Security Incorporation.
- Western Union.
- Joining Card Alliance and signing co-operation agreement with Vietcombank.
- Signing co-operation agreement with the Bank for Investment and Development of Vietnam (BIDV).
- Signing co-operation agreement with the Agribank.
- Joining Card Alliance - Smartlink.
- Co-operating with IBM group for IT improvement and Temenos for T24 systems.
- Signing co-operation agreement with Bao Viet group on development and delivery of bancassurance products
- Signing comprehensive co-operation agreement with EXIMBANK.
- Co-operating with Ernst & Young Vietnam on supporting to improve the internal credit rating systems.
- Co-operating with MSC on applying Quality Control Systems ISO 9001:2000
IX. Quality control system
SCB is in the course of consultancy and systematization of procedures and process and reaching to apply the Quality Control Systems – ISO 9001:2000, estimated time: early 2009.
X. Technology
SCB has built a synchronous information technology system. Successful application of international standard Data Center and Back-up Data Center system in 2008 of SCB marked a milestone in modernizing the information technology. This is also one of the most advanced data center in Vietnam designed and built up by IBM.
At the same time, SCB pioneered the operation of Video conference system in such events as: BOM’s meeting, Credit Committee’s meeting, recruitment, lucky draw etc.. to reduce relevant expences for the bank.
Another success of SCB in modernizing banking technology is launching such modern and convenient banking services as: Online Card Issuance and Ebanking services which promptly, conveniently and safely satisfy the transaction demands of customers.
Especially, SCB is the first bank deploying “SCB deposit forum”, which serves as a bridge between customers themselves and with SCB to increase the liquidity for customers’ deposit accounts.
All these technological achievements are just the first step of SCB to achieve coming successes. Thanks to them, many banking facilities have been exploited and applied by SCB to serve the demand of customers. |