Capitalizing on peak tourism season
According to the General Statistics Office, Vietnam welcomed over 12 million international visitors in the first 7 months of the year, a nearly 23% increase compared to the same period in 2024. Domestic tourism also saw over 18% growth. The increased demand for travel, accommodation, and entertainment has created capital pressure for nationwide airline ticket agents and tourism service distributors who have to make large advance payments for tickets while facing longer collection periods.
To address this, NCB has launched a financing program, including overdraft and working capital products, specifically for ticket agents, tourism, and resort companies. This solution helps businesses secure the necessary capital for input costs during peak season, meet large orders, maintain operations, and implement sales campaigns.
Additionally, NCB offers ticket advance loans with flexible terms and repayment methods tailored to seasonal revenue patterns. The bank provides payment guarantee services to shorten debt collection times and increase capital turnover. It also integrates foreign exchange and insurance services to manage exchange rate risks, reduce costs, and improve management efficiency during peak season.
Supporting securities companies
In addition to supporting tourism and entertainment businesses, NCB also directs capital towards the securities sector, where the demand for expanding service ecosystems and investing in technology is growing. According to the bank's assessment, the biggest obstacle for securities companies is the lack of suitable collateral, which makes accessing traditional credit difficult.
To assist, NCB has implemented a specialized credit package, financing up to 90% of capital needs with interest rates starting from 2.9% per year for government bond investments. This program applies to businesses with recent financial revenues of 100 billion VND or more, helping securities companies secure capital, optimize investment efficiency, and strengthen their financial capacity.
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NCB finances up to 90% of the capital needs of large-scale securities companies. Photo: NCB |
NCB finances up to 90% of the capital needs of large-scale securities companies. Photo: NCB
In 2025, thanks to comprehensive innovations in its business strategy, NCB has improved operational efficiency and financial capacity, ready to meet the financing needs of large-scale projects and businesses. In the first 6 months of the year, the bank's after-tax profit reached over 462 billion VND, a significant increase compared to 6 billion VND in the same period of 2024. Total assets as of 30/6 reached over 144,054 billion VND, a 21.6% increase compared to the end of 2024 and exceeding the 2025 full-year plan of 135,500 billion VND by 6.3%. Recently, the State Securities Commission approved NCB's plan to increase its charter capital to 19,280 billion VND, marking the bank's third consecutive capital increase in 4 years.
According to a bank representative, with an increasingly solid financial foundation and credit packages designed for specific industries, NCB aims to become a strategic partner for large enterprises in key economic sectors, contributing to enhancing competitiveness and promoting growth.
Minh Ngoc
