Sai Gon - Hanoi Commercial Joint Stock Bank is a Vietnam-based banking corporation. The bank offers various banking services to its customers including retail banking, corporate banking, and other banking related services. Its products and services include savings, current account, money transfer services, E-banking, guarantee service and forex trading and treasury services. It also provides credit in form of car loans, rubber loan, agricultural product loan, business overdraft, and medium and long-term loan and credit facilities. The company has four reportable segments such as credit, investment, services, and treasury. The primary source of the company's revenue is interest income, commission, and fees received by providing advisory and financial services to the customer.