“NCB’s Solution to Large-Scale Travel Agencies’ Liquidity Issues”

Proactive Liquidity for Peak Season – Financial Advantage for Large-Scale Ticket Agencies

The peak tourism season is in full swing across the country, bringing about a surge in travel, accommodation, and leisure activities. According to the latest figures from the Statistics Bureau, Vietnam welcomed a record-breaking 12 million international arrivals in the first seven months, a nearly 23% increase compared to the same period last year. Domestic travel also witnessed impressive growth of 18.1%, especially in coastal cities and integrated resort destinations.

To meet this surging demand, large-scale travel agencies, and tourism service distributors are accelerating their expansion, enhancing service quality, and capturing market share. However, managing cash flow becomes a significant challenge as the need for advance payments and ticket settlements increases while the recovery period elongates.

As a committed partner in business growth, NCB has launched a dedicated funding program for large-scale travel agencies, including those specializing in flights, tourism, entertainment, and resorts. This program features overdraft and working capital financing solutions, designed to help agencies secure funds for ticket payments and cover other operational costs during peak seasons. With this support, agencies can promptly fulfill large orders, maintain continuous operations, and execute effective sales campaigns.

In addition, NCB provides an array of specialized financial solutions, such as flexible advance ticket loan schemes and payment guarantee services that expedite debt recovery and enhance capital turnover. Complementary foreign exchange and insurance services further help manage exchange rate risks, reduce costs, and improve governance during peak demand periods.

Fortifying Financial Capabilities for Securities Companies to Ride the Market Wave

Securities companies are also undergoing a significant transformation, particularly in their quest to invest in digital transformation and expand their ecosystem of products and services. However, the biggest challenge for these businesses is the lack of suitable collateral to access traditional credit facilities.

Recognizing this need, NCB has tailored a credit program offering up to 90% financing at an interest rate of 2.9% per annum for securities companies investing in government bonds. This solution is meticulously crafted for securities companies with annual financial revenues of VND 100 billion or higher, empowering them with the necessary capital, optimized investment efficiency, and strengthened financial capabilities in the market.

In 2025, with a comprehensive strategic business transformation, NCB has consistently enhanced its operational efficiency and financial strength. As of June 30, 2025, the bank’s total assets exceeded VND 144,054 billion, reflecting a 21.6% increase compared to the end of 2024 and surpassing the full-year plan by 6.3%. NCB also received approval from the State Securities Commission of Vietnam to increase its charter capital to VND 19,280 billion, marking the third consecutive capital increase within four years.

With its robust financial position, tailored credit solutions, and industry-specific expertise, NCB solidifies its standing as a trusted strategic partner for large-scale enterprises in key economic sectors. NCB empowers these businesses to enhance their competitive edge and be poised for acceleration in the new era.

For more information, customers can visit NCB’s website at https://www.ncb-bank.vn/, contact any NCB branch or transaction office nationwide, or call the hotline (028) 38 216 216 – 1800 6166.