National Citizen Commercial Joint Stock Bank provides various banking products and services to individual and corporates in Vietnam. The company offers current, savings, bank, and transaction accounts; and term and margin deposits. Its loans portfolio comprises loans on paid back amount, fast consumer loans, housing loans, car loans, business loans, secured and non-secured consumer loans, student loans, overdraft loans, and loans pledged by deposit accounts; and loans for car dealership, exporting enterprises, working capital loans, financing investment projects, amortized loans, loans for SMEs, loans to invest in machinery and equipment, package financing for construction and installment enterprises, preferential loans for export-import enterprises, and VND loans. The company also provides credit and debit cards; trade finance products; guarantees; treasury, domestic payment, international remittance, collection, payment, and asset preservation services; foreign exchange products, including spot, forward, and swap transactions; international payment products and services, such as international fund transfer and receipt, document against acceptance and payment, telegraph transfer, and import and export letters of credit services; life and credit insurance products; payroll, facsimile transaction, domestic transfer, and confirmation services; and Internet, mobile, and SMS banking services. The company was formerly known as Nam Viet Commercial Joint Stock Bank and changed its name to National Citizen Commercial Joint Stock Bank in May 2014. National Citizen Commercial Joint Stock Bank was founded in 1995 and is headquartered in Hanoi, Vietnam.