- Withdrawal: Customers can withdraw money at any time and there is no limit on the number of withdrawals. Customers must pay the counting fee according to SCB's regulations (if any).
* Flexible savings deposits
Benefit
- Customers can deposit money into the account at any time during the deposit period.
- Customers only need to open an account and deposit the first period at the transaction counter. Customers can make subsequent deposits at the counter or on EBanking.
Characteristic
- Participants: Individual customers depositing VND.
- Deposit term: 06 months, 09 months, 12 months.
- Interest payment method: interest payment at the end of the term.
- Periodic deposit: flexible at any time
- Balance of accumulated savings account
o Minimum balance when opening an account: 500,000 VND.
o Minimum balance for subsequent deposits: 50,000 VND.
o Maximum deposit balance for an account: 1 billion VND
* Instant offer
The product " Instant Offer " is a term deposit product with monthly interest payment.
When customers deposit money, they will receive preferential interest rates converted into cash transferred to their payment account.
Benefit
- Customers will immediately receive an amount of money in their Payment Account corresponding to the amount and time of deposit.
- Customers receive monthly interest, ensuring flexible response to customers' capital needs.
- Quick procedure.
Characteristic
- Deposit type: VND.
- Minimum deposit: 50,000,000 VND.
- Deposit terms: 6, 7, 8, 9, 10, 11, 12, 13, 15, 18 and 24 months.
- Interest rate: According to the product's interest rate schedule in each period.
- Interest payment method: monthly interest payment.
- Interest payment method: SCB will transfer to the Customer's non-term payment deposit account in VND.
- When opening a new product, customers who register to receive periodic interest payments via a payment deposit account will receive an interest rate incentive immediately upon opening a savings account.
Specifically as follows:
Deposit term
Preferential rate (%/year) | |
6 - 8 months | 0.20 |
9 - 12 months | 0.25 |
13 - 24 months | 0.40 |
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Table 3.1. Interest rate incentives
- The preferential rate will be converted into money and transferred to the Customer's own payment account.
- Customers are allowed to withdraw capital before maturity (partially/fully). When withdrawing capital before maturity, Customers will enjoy the non-term interest rate announced by SCB at the time of withdrawal. Customers must repay the difference between the deposit interest and the incentives received with the actual interest due to early withdrawal and the withdrawal fee according to SCB's regulations (if any).
- When withdrawing capital before maturity, the Customer must return the received incentives corresponding to the capital withdrawn before maturity.
- SCB has the right to deduct money from the payment deposit account of the Customer who registered to receive interest to recover the preferential part the Customer has received.
- In case the Customer's Payment Account does not have enough balance, the Customer must return the received incentives in cash to SCB.
* Phu Quy Savings
Benefit
- Customers receive interest at the end of the term with a relatively high interest rate.
- Quick procedures, experienced and professional staff, enthusiastic and thoughtful guidance.
Characteristic
- Deposit type: VND.
- Minimum deposit: 50,000,000 VND.
- Deposit terms: 6, 7, 8, 9, 10, 11 and 12 months.
- Interest rate: According to the interest rate table of Phu Quy Savings product in each period.
- Interest payment method: interest payment at the end of the term.
- Interest payment method: SCB will pay interest in cash VND to Customers.
* Gold Term, Gold Interest Rate
Benefit
- Customers receive interest at the end of the term with a relatively high interest rate.
- Quick procedures, experienced and professional staff, enthusiastic and thoughtful guidance.
Characteristic
- Deposit type: VND.
- Minimum deposit: 50,000,000 VND.
- Deposit terms: 13, 15, 18 and 24 months.
- Interest rate: According to the product's interest rate schedule in each period.
- Interest payment method: interest payment at the end of the term.
- Interest payment method: SCB will pay interest in cash VND to Customers.
* Online Deposit
Benefit
- Completely proactive in transaction time.
- Simple operation, high security, authenticated by electronic statements, integrated with other supporting services such as SMS Banking to control your account.
- Flexible withdrawal and account settlement on EBanking or at the counter.
- Attractive and competitive interest rates, especially Customers will be given an interest rate immediately according to the policy for Customers depositing money online on EBanking.
Characteristic
- Deposit term
o Term: 31 days, 39 days, 45 days
o Monthly term: from 01 month to 36 months (full month).
- Deposit type: VND.
- Minimum deposit amount: 1,000,000 VND.
- Interest rate: According to the interest rate table of the Online deposit product announced by SCB from time to time.
- Interest payment method: Interest payment at the end of the term.
- Interest payment method: SCB will transfer to the Customer's non-term payment deposit account in VND.
- Processing when due:
o Full payment of principal and interest
o Renew both principal and interest
o Principal renewal, interest payment
- When participating in depositing money in VND online on EBanking with a term of 06 months or more, you will immediately receive an interest rate of 0.30%/year according to the policy "Preferential treatment for individual customers participating in depositing money on EBanking".
* Accumulate Happiness and Peace
Phuc An Khang Accumulated Deposit Product is a joint product between SCB and VCLI life insurance company, implemented to simultaneously meet both "savings" and "insurance" needs of Customers.
Benefit
- There are many methods of depositing money into the Accumulated Savings Account for Customers to choose from such as:
o Pay by cash, bank transfer, register for automatic payment,
o Deposit via Internet Banking.
- Receive a life insurance contract from VCLI Company from SCB for the entire term up to 5 billion VND.
* Daily profitable savings
Benefit
- Customers actively choose deposit terms.
- Customers receive high interest rates.
- Withdrawal of capital in part/in full before maturity to meet customers' sudden capital needs.
Characteristic
- Deposit type: VND.
- Minimum deposit: 20,000,000 VND.
- Deposit term: 31 days to 364 days.
- Interest rate: According to each period.
- Interest payment method: interest payment at the end of the term.
- When the Customer's deposit account matures, SCB will add interest to the principal and automatically renew it to a regular savings deposit product with the following terms:
Deposit term (days)
Repayment period | |
From 31 days to less than 185 days | 01 month |
From 185 days to 364 days | 06 months |
Table 3.2. Deposit term and term
renewal term
3.2.2. Personnel organization structure
BOARD OF DIRECTORS
DEPARTMENTS UNDER THE BRANCH
ROOM | ROOM | PART | ROOM |
TERRIBLE | SUPPORT | NEST | PLAN |
BUSINESS | SUPPORT | FUNCTION | MATHS |
TERRIBLE | ONION | ||
BUSINESS | MAIN |
ROOM | ROOM | ROOM |
DELIVER | DELIVER | DELIVER |
PANDEMIC | PANDEMIC | PANDEMIC |
FEMALE | MAU | BARE |
TOOTH | CLOSE | RICH |
PLAN
PLAN | SET | |||
MATHS | MATHS | PART | ||
TRANSACTION | INTERNAL | FUND |
(Source: Administrative Department of Saigon Commercial Joint Stock Bank - Ninh Kieu Branch)
AFFILIATED UNITS
Figure 3.1. Management structure diagram of SCB Ninh Kieu
3.2.3. Functions and tasks of each department
* Board of Directors
** Deputy Director in charge
- As the head of the branch, responsible for managing and operating the daily operations of the branch in accordance with the provisions of law, in accordance with the regulations of the State Bank and Saigon Commercial Joint Stock Bank Ninh Kieu branch.
- The Deputy Director in charge of the branch is responsible to the General Director and before the law for the management and operation of all branch activities.
- Assisting the Deputy Director in charge is a Deputy Director, and the departments in charge.
** Deputy Director
- Assist the Deputy Director in managing one or several areas of the branch's operations as assigned and authorized by the Deputy Director in charge of the branch.
- The Deputy Branch Director must regularly report to the Deputy Director in charge on the results of the work, advantages, difficulties, and recommendations in assigning and delegating tasks.
- The Deputy Branch Director is responsible to the Deputy Branch Director, the General Director and the law for the management, operation and results of assigned and authorized activities.
* Sales Department
- Implement and manage the promotion of credit products and services, guarantees, international payments, deposits, domestic and foreign payment services, foreign exchange trading, remittances, etc.) at branches and affiliated units according to assigned business targets.
- Implement and manage customer care and development (businesses and individuals).
- Evaluate the market situation and the banking operations in the area to advise the branch management in implementing and exploiting the market.
- Directly responsible for implementing assigned business plan targets.
- Achieve sales targets for customers according to specific products.
- Advise branch management to coordinate and assign sales targets to affiliated units and support affiliated units to achieve sales targets.
- Develop and implement customer marketing plans, provide guidance, introduction and consultation to customers about SCB's products and services.
- Directly market to customers or market at the request of affiliated units.
- Implement advertising programs and events for products and services.
- Perform customer reception, consulting, sales and support customers in carrying out procedures when customers use products and services and guide customers to relevant transaction counters.
- Implement customer care work according to SCB's policies and guidelines.
- Advise branch and headquarters management in developing appropriate policies to retain and develop customers at the unit and SCB.
- Collect, synthesize and manage customer information to serve the business activities of the branch and of the whole SCB.
- Responsible for implementing and guiding affiliated units and policies and customer care skills.
* Business support department
- Support and manage credit, guarantee and trade finance records of branches and affiliated units.
- Implement approved loans: establish credit contracts, complete legal procedures for loan guarantees, establish disbursement procedures, debt collection...
- Implement loan management measures (urging debt collection, interest, coordinating with the sales department in checking the customer's capital usage).
- Implement accounting measures related to credit, guarantee and trade finance: disbursement, interest collection, principal collection, debt collection,...
- Prepare procedures for releasing collateral (control outstanding debt status before releasing collateral, return original documents, and take possession of collateral to customers).
- Control credit application files at affiliated units in compliance with regulations related to credit work of SCB and the State Bank.