Enterprise Customers
Bill with full interest paid in advance
(Updated at 9:17, 20/7/2010)
This is one of 4 short term valuable papers (less than 1 year) issued by Agribank in which customer can invest. (Applied for all customers including Vietnamese residents, Vietnamese living abroad, foreigners residing and legally operating in Vietnam or foreigners doing business in accordance with Vietnamese Law).

Main features:

-   Term: 3 months, 6 months, 9 months, less than 12 months

-    Currency: VND, foreign currencies, gold.

-    Minimum and maximum face value: to be determined by Agribank at each issuance


Principal Payment:

-          The principal payment shall be made one time to customer at the counter of Agribank’s branch where the valuable paper is issued.

-          Payment at maturity: The principal shall be fully paid to customer at maturity.

-          Payment after maturity: If at maturity, the customer does not receive the principal payment, Agribank will not renew for another term, the principal shall bear the current demand interest rate for the period after maturity. Interest shall be calculated and paid to customer upon his/her receipt of principal payment.

-          Prepayment: Agribank will not apply prepayment.


Interest rate:

-          Interest rate adjustment method: fixed interest rate.

-          Interest calculation: Interest = Face value* Monthly interest rate* term

-          Interest payment: Agribank sells the valuable paper at discounting price (interest will be calculated and deducted from face value so that the price plus interest equal to the face value). 


Investment method:

The customer will buy the bill with full interest paid in advance at the counter of Agribank branches.

(The information of the address of Agribank branches and transaction offices here).

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