Thuyết trình lending products for business of in viet nam

LENDING PRODUCTS FOR BUSINESS DEFENDER GROUP OF COMERCIAL BANKS • Do Duc Anh • Nguyen Huy Minh • Nguyen Thu Ha • Nguyen Thanh Thao • Bui My Linh IN COMERCIAL BANK CONTENTS G5 Self-liquidating inventory loans Asset- based loans Working capital loans Overdraft loans Interim construction financing Syndicated loans Security dealer financing Project loans Retailer and equipment financing 10 Import & Export finacing 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: • • • • • Currency: VND or foreign currency Loan period: Flexible, 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 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: • • • • • 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 3 Interim construction financing G5 Definition: Constructon fnancing is short term loan, meetng demand of capital   for corporate for constructon works 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 Security dealer financing G5 Definition: Feeding the capital need for investng and trading company’s in securites Vietnam 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 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 • • • • 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 producton and business actvites, tmely capture business opportunites in the market; • 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; • • • • 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 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 7 Overdraft loans G5 Definition: This is a type of credit in which you can withdraw capital under a credit facility 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 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: • • • • 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 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: • 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 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 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: • • • 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 Thế cho vay theo hạn mức thấu chi?  A: Là loại tín dụng mà ngân hàng cho phép khách hàng sử dụng vượt số tiền mà họ ký gửi ngân hàng tài khoản vẵng lai với số lượng thời gian định B: Là loại tín dụng mà ngân hàng cho phép khách hàng sử dụng vượt số tiền mà họ ký gửi ngân hàng tài khoản toán với lượng định C: Là loại tín dụng mà khách hàng cho phép khách hàng sử dụng vượt số tiền mà họ ký gửi ngân hàng tài khoản tiền gửi D: Gồm B C Các tài sản cầm cố, chấp chủ yếu gì? A : Cầm cố chứng khoán, cầm cố thương phiếu, chấp bất động sản B: Cầm cố thương phiếu, cầm cố hàng hoá, chấp bất động sản C: Cầm cố thương phiếu, cầm cố hàng hoá, chấp bất động sản, cầm cố chứng khoán, cầm cố hợp đồng thầu khoán D: Cầm cố chứng khoán, cầm cố thương phiếu, chấp bất động sản cầm cố hợp đồng thầu khoán 3 Vì ngân hàng lớn Vietcom, Vietin, BIDV có sản phẩm cho vay doanh nghiệp, ngân hàng bé có nhiều sp đa dạng, khác nhau? THANKS FOR LISTENING ... and equipment financing 10 Import & Export finacing Self-liquidating inventory loans Definition: G5 This loan aims to support enterprises’ needs in case of lacking of working capital Through... procedures, with fast documents handling Security dealer financing G5 Definition: Feeding the capital need for investng and trading company’s in securites Vietnam Characteristics: • • • Currency:... proceedings of borrowing documents, enabling the customer to seize the business opportunity 10 Import & export financing Definition: G5 Providing preferential loan package, attractive interest