Ho Chi Minh City Development Joint Stock Commercial Bank provides various banking products and services in Vietnam. The company offers current account, term, money, online and flexible savings, demand, flexible cumulative savings, and regular term deposits; business, agriculture, car, consumer, and real estate loans; loans with collateral as deposit book; insurance; and intermediary payment services for the sale/transfer of real estate, discount valuable papers, and personal overdraft services. It also provides import and export, and working capital finance, and cross-border payment services; guarantees; prepaid, credit, and debit cards; import and export services; other payment services; and cash management services, as well as valuable papers. In addition, the company offers over the counter remittance, derivatives, foreign exchange, international transfer, and collection and payment services; correspondent banking asset management services; e-banking services, such as SMS, online, and mobile banking services; and other banking services. It operates through branches, and transaction and representative offices. The company was founded in 1989 and is headquartered in Ho Chi Minh City, Vietnam.