Saigon - Hanoi Commercial Joint Stock Bank, together with its subsidiaries, provides various banking products and services to individuals and organizations in Vietnam and internationally. It operates through Credit, Investment, Services, and Treasury segments. The company offers savings, sporting, securities, and current accounts; debit and credit cards; card payment; VIP banking; money transfer and receipt; mobile, online, phone, and SMS banking; consumer, car, home, business, agricultural product, and working capital loans, as well as loans mortgaged with valuable paper; business overdraft; remittances; and electricity and water bill collection services. It also provides short-, medium-, and long-term deposits; foreign currency transactions; discounting for commercial papers, bonds, and other instruments; domestic and export factoring; asset preservation, including rental of cabinets and safes; bancassurance; entrust lending transactions; and flexible financing options. In addition, the company offers investment banking; debt and asset management; finance banking; deposit and account management; tax payment, warranty, payment, loan, advance payment refund, contract performance, and bid guarantees, as well as loan arrangement commitments; international settlement and trade finance services comprising export LC and collections, cross border payment services, and import LC and collections; forex trading and treasury services consisting of swaps, forwards, and spots; and investment and hedging services, such as OTC and centralized derivatives. The company was formerly known as Nhon Ai Rural Commercial Joint Stock Bank and changed its name to Saigon - Hanoi Commercial Joint Stock Bank in September 2009. Saigon - Hanoi Commercial Joint Stock Bank was founded in 1993 and is headquartered in Hanoi, Vietnam.