Ho Chi Minh City Development Joint Stock Commercial Bank provides various banking services in Vietnam. The company accepts current and progress accounts, prepaid interest deposits, term deposits, short term gold certificate of deposits, flexible accounts, automatic accumulation deposit accounts, and centralized deposit accounts. Its loan products include personal and business installment, home construction/repair, car, study abroad, personal consumer, home, securities, business financing, private enterprise, capitalization, and supporting business capital loans, as well as loans on mortgage/savings- book discount loans; cash advances of sale–stock; import and export, and working capital finance; term loans; and finance for small and medium enterprises, as well as overdraft facilities. The company also offers debit, gift, credit, and smart cards; cash against documents and letters of credit; and payment, inward and outward remittance, bill settlement, cash and bill collection and payment, payroll/commission, telegraphic transfer, documentary collection, e-banking, guarantee, and other services. In addition, it trades in foreign currency, such as spot, forward, and swap transaction services. As of December 31, 2017, the company operated 1 representative office; 57 branches; and 181 transaction offices. Ho Chi Minh City Development Joint Stock Commercial Bank was founded in 1989 and is headquartered in Ho Chi Minh City, Vietnam.