National Citizen Bank, formerly Nam Viet Commercial Joint Stock Bank, is a Vietnam-based financial institution. The Bank is engaged in the provision of commercial banking services for individual and corporate clients. It is involved in deposit taking, card issuing, foreign exchange trading, commercial paper discounting and the offering of loans, payment services and treasury services. Other operations include credit activities, financial investment and securities dealing. The Bank's product lines are categorized into three groups based on its targeted customers: individual, enterprise organizations and financial organizations, and include deposit product, payment product, credit product, deposit and interbank loan, investment product, foreign currency trading and other products.