Southeast Asia Commercial Joint Stock Bank provides retail and corporate banking products and services in Vietnam. It offers payment, business, payroll, current, and savings accounts; periodic, term, and prepaid interest deposits, as well as deposits with withdrawal option; escrow services; instalment, women's union, overdraft, livestock, teacher, civil servant, and unsecured business loans; home, car, and personal mortgage loans; business loans; financing for auto dealers, air ticket agents, supply contract, rice, construction materials, plastic, seafood export, pharmaceutical and medical supplies, construction and installation, and fast moving consumer goods sectors; and basic loans, credit facility in chains, and commitment on capital arrangement, as well as refinance services. The company also provides trade finance and guarantees; cash flow and treasury management; credit and debit cards; online and mobile banking; life, car, private house/apartment, health care, and travel insurance, as well as civil liability insurance for cars/motorbikes; money transfer and remittance services; and safe deposit box rental services. In addition, it offers capital mobilization; certificates of deposit, promissory notes, treasury bills, and bonds to raise capital; credit facilities, including lending, discounting commercial papers, bonds and valuable papers, bank guarantees, factoring, and other forms of credit; foreign exchange services in the domestic and international markets; interest rate derivative products; asset management and preservation services; currency brokerage services; and trading in buying and selling gold bars, as well as receives investment and development trust capital from domestic organizations. Southeast Asia Commercial Joint Stock Bank was founded in 1994 and is based in Hanoi, Vietnam.