Vietnam International Commercial Joint Stock Bank provides banking products and services to organizations and individuals. The company offers current and saving accounts; term deposits; mortgage loans, house loans, car loans, personal loans, micro-SME loans, working capital loans, overdrafts, medium and long term corporate loans, project finance, corporate bonds, and factoring; trade finance, guarantee, payroll, remittance, liquidity management, and industry bundle services. It also offers insurance products; tax payment and transfer services; Internet and mobile banking services; debit and credit cards; and foreign exchange and hedging services. The company was founded in 1996 and is headquartered in Ho Chi Minh City, Vietnam.