I. Financing for Short-Term Working Capitals：
We provide credit facilities to satisfy the needs of short-term,
temporary, or seasonal working capital requirements. Lending
applications could be accepted without the support of physical
transactions. In other words, credit of this nature is granted
to meet the funding requirement of business within their
normal operating cycle.
II. Financing for Mid-Term and Long-Term Working Capital
This type of credit facilities is aimed at assisting business to maintain a smooth operation in terms of cost and staff overhead within their normal business activities.
III. Funding for Land, Property and Equipments
We provide credit services to assist business in the procurement, renovation, expansion or improvement of the property, plants, or equipment.
IV. Project Finance：
The credit facilities are provided to finance businesses in major investment or development projects. The credit will only be granted for planning-related purposes, such as procurement of machinery & equipment, technology, or expenses in connection with the recruitment of professionals.
V. Syndicated Loan
Syndicated loans are offered to help businesses raise large capital in a timely and cost-effective manner. A successful syndicated loan provides the company more business opportunities, improves the international reputation and exposures, and introduces new lending channels Syndicated loans are jointly granted by several banks to meet the corporate lending or guarantee requirements based on their mid or long term strategic plans.
VI. Guarantee Business：
This is an agreement made between the Bank and the corporation. By issuing a third-party guarantee or making a warranty statement on a negotiable instrument, the Bank commits itself to fulfill the responsibilities on behalf of the corporation in the case of default.
The guarantee business includes:
- Guarantee on tax payable.
- Guarantee on construction contracts - performance bonds or bid bonds
- Commercial Paper Guarantee
- Guarantee on Corporate Bonds
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