Saigon - Hanoi Commercial Joint Stock Bank is a Vietnam-based financial institution. The Bank is engaged in commercial banking business for individual and corporate clients. Its products for individual clients include personal loans, such as home mortgage loans, home improvement loans, mortgage swap, education loans for studying abroad, car loans and loan guarantees, as well as individual deposits, such as current accounts, savings accounts, time deposits, on-call deposits and deposit certificates. Its products for corporate clients comprise current accounts, business savings accounts, time deposits, trade financing, documentary discounting, corporate loans, payment guarantees and remittances.