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INTRODUCTION
Transactional name in Vietnamese
Ngân hàng TMCP Sài Gòn
Transactional name in English
Sai Gon Joint Stock Commercial Bank
Abbreviation
SCB
License No.
283/GP-NHNN issued on 26/12/2011
Head Office
927 Tran Hung Dao, Ward 1, District 5, HCMC
Telephone
(84-8) 39 230 666
Fax
(84-8) 39 225 888
SWIFT
SACLVNVX
Website
www.scb.com.vn
Operational fields
SCB provides a full range of finance and banking services as stipulated in the Operational License and Business Registration Certificate and in compliance with the Law on Credit Institutions and other legal regulations to satisfy the demands of Customers under the SCB’s business strategies.
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VISION Our vision is to gather and mobilize resources, creating sustainable values for our Shareholders, Customers, Partners and Employees in order to improve life quality, bring prosperity to families and businesses in Vietnam and practically contribute to the reviving and the wealth of our nation.
MISSION As a reliable, dedicated and insightful partner, SCB satisfies Customers with the high-quality financial services and sustainable, long-term benefits.
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CORE VALUES
SCB always conducts business with transparent information according to the highest ethical standards, legal regulations and international practices.
With deep insight and great care, SCB’s activities are Customercentered. SCB’s employees are sensible to Customer’s needs and devotedly offer Customers with the best solutions.
SCB is committed to creating sustainable values, emphasizes on the long-term interests of Customers and Shareholders.
SCB continuously improves and diversifies services, applies modern technology to best serve Customers. SCB co-operates, introduces, and consults Customers on creative, diverse, and effective product packages.
SCB closely co-operates with Shareholders, Customers, Partners and Employees to create and together share sustainable benefits.
SHARING - COOPERATION
INNOVATION - CREATIVITY
SUSTAINABLE DEVELOPMENT
CUSTOMER-CENTERED
INTEGRITY - TRANSPARENCY
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HIGHLIGHTS IN 2015
ESTABLISHMENT AND DEVELOPMENT HISTORY Sai Gon Joint Stock Commercial Bank (SCB) was founded in 1992. After 23 years of operation and development, SCB has become one of the largest banks in Vietnam. SCB is a familiar and trust-worthy brand name as a provider of diverse products/services, flexible and high-quality financial solutions to satisfy Customer’s needs. Meanwhile, SCB also improves values and benefits for Shareholders. Charter capital
14,295 VND billion Network
1 Head Office, 50 Branches, 179 Transaction Offices
TOTAL ASSETS
14,295 242,222 149,206
Total assets
20 311,514 15
2012
12,295 VND billion Network
1 Head Office, 50 Branches, 180 Transaction Offices
2014
12,295
2013
2014
10,584
181,019
2013
12,295
2015
2012
2015
VND billion
DEPOSITS
20 14
billion
242,222 VND billion
LOANS
billion
255,978
170,462
Charter capital
12,295 VND billion Network 1 Head Office, 50 Branches,
133,993
198,505 147,098
180 Transaction Offices
88,155
89,004
2012
2013
79,193
181,019 VND billion Charter capital
billion
311,514
Total assets
Total assets
CHARTER CAPITAL
billion
20 13
2012
2013
2014
2015
2014
2015
Total assets
Total assets
144,814 VND billion Charter capital
10,584 VND billion Network
1 Head Office, 50 Branches, 179 Transaction Offices 8
Saigon Commercial Bank www.scb.com.vn
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149,206 VND billion
TOTAL OPERATING INCOME
billion
TOTAL STAFF Persons
Charter capital
10,584 VND billion
5,008
Network
1 Head Office, 50 Branches, 180 Transaction Offices
3,311
2012
2,555
2013
3,958
3,147
2014
2015
2012
4,595 3,233
3,315
2013
2014
2015
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PRODUCTS & SERVICES
INDIVIDUAL CUSTOMERS
DEPOSIT PRODUCTS SCB has constantly researched and developed various deposit products and utilities which flexibly give Customers ample choice in deposit terms, depositing methods and interest rates. Furthermore, to extend gratitude
SCB always caters to Customers’ needs with personal financial services of the ultimate convenience by providing diverse packages of convenient products/ sevices with attractive added values.
to and tighten relationship with Customers, apart from diverse deposit product portfolio, SCB has frequently implemented many promotional programs, lotteries or preferential gifts to Customers on the occasion of Tet holidays, birthdays, etc. In addition, in each market segment, Customer care policies have been tailor-made for specific targeted Customers such as preferential policies for VIP, middle-aged, elderly Customers, policies for Customers depositing via eBanking, etc.
CREDIT PRODUCTS SCB’s loan products are well structured to meet demands for working capital based on business-specific cashflows. Products such as loan for working capital, business overdraft, loan for small traders, etc. have enabled many Customers to obtain their business targets. Besides, SCB’s loan portfolio has also been diversified with a wide range of consumer loan products such as car loan, overseas study loan, house/land loan, overdraft, etc. to serve Customers’ various needs in a prompt and convenient manner. Apart from the diverse product portfolio, in order to pay gratitude and care to Customers, SCB also frequently implements the preferential programs in loan interest rate and programs for lucky Customers.
SERVICES Innovation and diversity in catering to all various demands of individual Customers are remarkable features of SCB’s service portfolio. This portfolio includes payment services (inward and outward money remittance, cheque, bill payment, topup, online payment, state budget collection and Vimo e-purse), cash services (cash counting, exchange, on-site collection/ payment, gold custody), card services (domestic debit card, Mastercard, Visa credit card), e-banking services (SMS banking, Internet Banking, Mobile Banking) and other services (intermediary payment for real estate trading, collection for TPbank’s Customers, account balance confirmation).
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PRODUCTS & SERVICES
CORPORATE CUSTOMERS SCB is proud to be the supporting partner to corporate customers during their business operation. In addition to capital financing, SCB stays ready, through a team of dedicated and experienced professionals, for consultancy on time - and cost - efficient solutions with the best benefits.
DEPOSIT PRODUCTS A wide variety of deposit products are carefully designed by SCB to be responsive to corporate cash and funds of all types and purposes, including: demand deposits, margin deposits, specialized capital deposits and term deposits. • Demand deposits: “Multi-benefit account”, “SCB 100+ account”, etc. with benefits in nil/discount service fees. • Specialized capital deposits: By these products, corporate capital cash and funds are properly managed to be used for particular purposes in line with legal regulations in foreign investment into Vietnam; investment from Vietnam to abroad; securities issuance; securities trading; project management, etc. • Margin deposits: Via these products, Customers can ensure financial obligations as to SCB or other related parties, meet the legal requirements of deposits for company establisment, business scope expansion, business activities, etc. • Term deposits: Flexible with competitive interest rates to maximize the yield on corporate funds. These products include “Đắc lộc – Đắc tài”; “Tăng ưu đãi – Thêm phát tài”; “Day-term investment”; “Online investment”, etc.
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Saigon Commercial Bank www.scb.com.vn
CREDIT PRODUCTS
SERVICES
As a close partner of Customers, SCB offers Customers with diverse and flexible credit products to supplement to the capital in shortage during the process of business production and investment activities.
Catching up with the trend of technology application to business activities, SCB has actively sought and come into co-operation with organizations and business partners to bring about convenient and safe banking ultilities such as:
Accordingly, traditional credit products together with the preferential credit programs exclusively designed for enterprises, partnership as well as State-oriented preferential credit programs have almost met corporate needs of capital from short to long terms.
• E-tax payment.
• Traditional credit products: working capital loans, fixed asset loans, etc. • Preferential corporate credit programs: VND loans for export with large preferential benefits, loan progams for partnership: offered to companies importing goods from Taiwan, energy-efficiency investment, etc. • State-oriented preferential credit programs: loan for price stabilization, loan for BankEnterprise connection, loan for corporate shipowners, loan for supporting loss relief in agriculture, loan for supportive industry sector, etc.
• State budget collection at counters (including tax and import-export duties). • Bill payment, periodic payment. • 24/7 fast money remittance, online remittance. • Payroll via account, payroll in cash. • On-site collection/payment. • Domestic cheque issuance and payment. • Transaction services via fax. • Financial consultancy. • Centralized account management. • Guarantee. • E-guarantee for import-export tax duties. • Account statement via email/post, etc.
SCB’s credit portfolio has frequently been updated and diversified to meet Customers’ needs to the best satisfaction. Reaching Target
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SCB HAS ISSUED
&
225,977
PRODUCTS & SERVICES
ADVANCED BANKING SERVICES & PRODUCTS
29,182
DOMESTIC DEBIT CARDS INTERNATIONAL CREDIT CARDS
AS OF 31/12/2015
banking products to provide modern, convenient and efficient channels for Customers to make online transactions without the necessity of going to bank counters. The current products and services provided by SCB: • SCB domestic debit cards. • International credit cards - SCB MasterCards, Visa Cards. • SCB MasterCard Debit. Along with the development of market economy and the tremendous advances in information technology, the fierce competition among the financial institutions and the increasing demand of Customers are driving the necessity for the advanced banking in financial sectors. Accordingly, SCB has relentlessly diversified and innovated card services such as domestic debit cards, international credit cards under SCB MasterCard brand, expanded the interconnection with card switching companies, international card organizations, intermediate service providers to offer a great number of banking utilities and satisfy Customers’ needs. Notably, from 16/01/2016, SCB has launched Visa international credit cards with 03 types of cards (Classic, Gold, Platinum) with the interest free period up to 55 days. Besides traditional products, SCB has also emphasized on the development of advanced
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• Payroll service via cards. • Card acceptance service (POS) • Online payment via SCB ATM. • SMS banking (Inquiry, topup, transaction message, etc.) • Internet banking (account management, fund transfer, savings account opening/closing, bill payment, topup, etc.) • Mobile banking (account management, fund transfer, savings account opening/closing, bill payment, topup, registration for loan information/issuance of international credit cards, new issuance/re-issuance of ATM, re-issuance of PIN to ATM/international credit cards, debt balance payment, inquiry of interest rates/promotional programs/SCB network/SCB preferential network of merchants, securities, etc.) Reaching Target
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TECHNOLOGY MODERN TECHNOLOGY INFRASTRUCTURE: SCB has considerably invested in Datacenter in accordance with TIE-642 international standards to ensure the continuity of business operation, the quality of risk management and the adaptability to the potential development of services and products.
CORE BANKING SYSTEM: SCB has completed the Flexcube - lastest version of core banking from Oracle. This is one of the world’s modern corebanking systems with a full range of modules enabling the maximum in the automatic transactional processes and management of Customer information. Moreover, the system’s data are managed on a centralized basis with the utmost security.
E-BANKING SYSTEM: SCB has continued to thoroughly take advantage of technology applications on modern corebanking flatforms. Converted successfully the Card Works management system and connected to the Flexcube corebanking system with new features in stricter security to delevop and diversify card products of high quality. Integrated fully the system of MasterCard issuance and payment into the corebanking system to ensure the service quality and security at the utmost level. Completed the interconnection to a great number of payment sevice providers such as VNPAY, PAYOO, ONEPAY, etc. to implement the payment services via debit and credit cards such as bill payment, topup, online payment.
Being aware of the importance of technology in the implementation of the Bank’s strategy, SCB has continuously invested in the information technology system to develop excelent services & products and to support the safe and efficient corporate governance.
CORPORATE GOVERNANCE AND MANAGEMENT SUPPORT SYSTEM:
RISK
SCB has focused on upgrading and putting in operation the Datawarehouse sytem using the Oracle technology. Under this system, multi-dimensional information data of various sources can be collected, analyzed and used for decision making, reporting. Meanwhile, to enhance the corporate governance and risk management, SCB has concentrated on setting up and successfully putting into use a credit rating system, email system, asset management programs, human resources management software, test data software for recruitment, document management.
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4,595 EMPLOYEES AS OF 31/12/2015
HUMAN RESOURCES
TRAINING
Improvement to the quality of human resources, the attraction to talents and the rational use of human resources are important objectives in building and development of SCB’s human resources.
SCB always defines human resources as the most precious and decisive factor in the Bank’s success. Following the successful results in last year’s training, the training in 2016 will keep closely up with the target of fostering necessary skills according generally accepted norms for sales staff to enhance the quality of sales activities and to meet the business need of the whole system.
SCB has always paid much attention to both professional and skill trainings to enhance the employees’ professional expertise and Customer care quality. Human resources management and training are closedly intertwined, helping SCB maintain and develop a workforce of young, dynamic, and professional employees with career –minded and Customer-centered spirit.
REMUNERATION POLICY
RECRUITMENT For human resources quality improvement, SCB continued to innovate the recruiting process from candidate testing, scoring to interviewing. Through a professional and transparent process of recruitment, SCB has attracted many talented candidates nation-wide, fully satisfying the manpower need for the sustainable development of the Bank.
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In addition to that, SCB has also applied the state-of-art methods of training to enhance the quality of training courses, reduce time and expenses for SCB. The launch of e-learning system in training in 2016 has contributed to the diversification of training channels to assist the employees to schedule and participate the training course on their own initiative.
Given the special interest and concern from SCB’s leaders, all of SCB’s commitments to employees have been fulfilled. The employees’ incomes have been ensured to be in line with the productivity, quality and efficiency of their work performance. Moreover, SCB has also held several internal competitions to promote the fairly competitive environment in the whole system, thereby encouraging branches and employees to achieve the business targets. Especially, SCB has added more welfare policies for employees such as motobike insurance, labor accident insurance, health insurance. This has significantly contributed to motivate the employees’ working spirit, solidarity, long-lasting job attachment within the whole system.
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SCB successfully ended 2015 thanks to the proper orientation of the leadership, the enthusiasm and dynamics of employees to promptly respond to market trends and Customers’ needs and provide them with the best products and services. In 2016, SCB will take advantage of new economic opportunities to expand business
OPERATIONAL TARGETS IN 2016 RETAIL BANKING – CORE ELEMENT IN SCB’S DEVELOPMENT STRATEGY SCB defines the year 2016 as an important year for SCB to implement the strategic orientation of becoming one of the leading retail banks in Vietnam. Accordingly, SCB will attempt to overcome the shortcomings, promote strengths, take advantage of opportunities, and keep innovating to provide Customers with satisfaction, reliability and the best utilities. This has been the foundation for SCB’s activities during the process of establisment and development. Therefore, SCB has developed the Retail banking scheme to specify the typical objectives OPERATIONAL TARGETS IN 2016 and solutions for retail operations and promote all the advantages of SCB 23.0% 1 1.9% 21.4% in such factors as human resources, 36.4% technology, financial capacity, product and service business solutions, distribution channels, and service quality in purpose of reaching perfection for Customers. Total assets
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Saigon Commercial Bank www.scb.com.vn
Charter capital
Customer deposit
and strengthen a solid financial platform to reach new heights, maximizing benefits for Customers, adding financial value for Shareholders and bringing prosperity to all SCB employees.
Customer loan
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RELATED COMPANIES
KEY TARGETS IN 2016
Strengthening and expanding business activities on non-credit activities and services, particularly on the fields which are SCB’s edge on other banks and services used by numerous Customers. Focusing on handling overdue and bad debts to ensure a healthy debt structure, meeting the requirements of the State Bank and facilitating business expansion. Diversifying products and services of deposits, credit, electronic banking, etc. to take into account the segmentation and localization of Customer base under criteria of simplicity, prominence, competition, and exclusive trait. Increasing the application of technology to development and diversification of products to provide multi-utilities to users and enhance competitiveness. Promoting consistently and thoroughly the tailor-made care service to Customers from preto post-sales. Reviewing and remediating the
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transaction processes to ensure simplicity, quickness, and accuracy in dealing with Customers. Implementing CRM to manage and leverage the existing base of Customers; promoting marketing programs. Increasing the number of direct business personnel from 24% to 35% (equivalently 700 persons to 1,000 persons). Restructuring the team of tellers to reduce the average age from 29 years old down to 27 years old. Developing the risk data information system, softwares, tools and applications to gear the management of credit risk, operational risk, market risk towards Basel II standards. Strengthening technology application to the bank’s activities to exploit new applications and ensure the thoroughness, efficiency and absolute safety for SCB’s activities.
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10 Transaction Offices
33 Transaction Offices
NETWORK
14 Transaction Offices
08 Transaction Offices
14 Transaction Offices
100 Transaction Offices
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network information As of 31/03/2016
No.
BRANCH
TRANSACTION OFFICE
ADDRESS
TEL
Ho Chi Minh Area 1
Branch 11
167 Ta Uyen Str, Ward 4, District 11, HCMC
08.39561766
2
Le Dai Hanh Transaction Office
219-221 Le Dai Hanh Str, Ward 13, District 11, HCMC
08.3960.6094
3
Nguyen Chi Thanh Transaction Office
463 Nguyen Chi Thanh Str, Ward 15, District 5, HCMC
08.39562434
4
Tan Phuoc Transaction Office
187 Ly Thuong Kiet Str, Ward 7, District 11, HCMC
08.39553364
1337-1339 3/2 Str, Ward 16 , District 11, HCMC
08.39609371
District 11 Transaction
5
Office
6
Lu Gia Transaction Office
113 Nguyen Thi Nho Str, Ward 9, Tan Binh District, HCMC
08.38687174
7
Hong Bang Transaction Office
311 Hong Bang Str, Ward 11, District 5, HCMC
08.62610277
8
Nhat Tao Transaction Office
345 Nguyen Tri Phuong, Ward 5, District 10, HCMC
08.62645371
221 Khanh Hoi, Ward 3, District 4, HCMC
08.39414372
361 Huynh Tan Phat, Tan Thuan Dong Ward, District 7, HCMC.
08.38722968
9
Branch 20/10
10
Tan Thuan Transaction Office
11
My Toan Transaction Office
12
Phu My Hung Transaction Office
13
Phu My Transaction Office
679-681 Huynh Tan Phat, Phu Thuan Ward, District 7, HCMC
08.37733770
14
District 7 Transaction Office
251 Nguyen Thi Thap, Tan Phu Ward, District 7, HCMC
08.37712014
15
District 4 Transaction Office
23 Hoang Dieu, Ward 12, District 4, HCMC
08.39435732
16
Trung Son Transaction Office
273-275 Street 9A, Trung Son Residence, Group 4B, Binh Hung Ward, Binh Chanh District, HCMC
08.54318298
23-24 Lot Q Phu Lam D Apartment, Binh Phu, Ward 10, District 6, HCMC
08.37554012
Hau Giang Transaction Office
1075 Hau Giang, Ward 11, District 6, HCMC
08.37555913
17
Branch 6
18
988 Nguyen Van Linh Street (My Toan 3-R19 Zone), H3 Quarter, Tan Phong Ward, District 7, HCMC 1411 My Toan II Quarter, Phu My Hung, Nguyen Van Linh, Tan Phong Ward, District 7, HCMC
08.54123491 08.54122680
19
Tan Tao Transaction Office
303 Street No. 7, Binh Tri Dong B Ward, Binh Tan District, HCMC
08.38778930
20
Kinh Duong Vuong Transaction Office
37 Kinh Duong Vuong, Ward 12, District 6, HCMC
08.38170377
21
Binh Phu Transaction Office
766 Hau Giang, Ward 12, District 6, HCMC
08.62931722
22
Ten Lua Transaction Office
75 Street No. 1, Binh Tri Dong B Ward, Binh Tan District , HCMC
08.62691316
50 Bis - 52 & 46/10 Pham Hong Thai, Ben Thanh Ward, District 1, HCMC
08.38279797
23
Ben Thanh Branch
24
Phan Boi Chau Transaction Office
1st and 2nd Floor, No.225 Bis Nam Ky Khoi Nghia, Ward 7, District 3, HCMC
08.38246084
25
Tran Nao Transaction Office
58A Tran Nao str, Binh An Ward, District 2, HCMC
08.62607042
26
Nguyen Cong Tru Transaction Office
50-52 Nam Ky Khoi Nghia, Nguyen Thai Binh Ward, District 1, HCMC
08.38212563
27
District 2 Transaction Office
14Q Quoc Huong, Thao Dien Ward, District 2,HCMC
08.62872202
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Saigon Commercial Bank www.scb.com.vn
No.
BRANCH
28
29
Binh Tay Branch
30
31
TRANSACTION OFFICE
TEL
340A Nguyen Thi Dinh, Thanh My Loi Ward, District 2, HCMC
08.37425412
2S Le Quang Sung, Ward 02, District 6, HCMC
08.62931378
Minh Phung Transaction Office
447-449 Minh Phung, Ward 10, District 11, HCMC
08.39637973
Tan Phu Transaction Office
192 Luy Ban Bich, Hoa Thanh Ward, Tan Phu District, HCMC
08.3973 8792
32
Pham Phu Thu Transaction Office
133 Pham Phu Thu, Ward 3, District 6, HCMC
08.38542706
33
Dam Sen Transaction Office
161 Hoa Binh, Hiep Tan Ward, Tan Phu District, HCMC
08.39618974
34
Phu Lam Transaction Office
766 Hong Bang, Ward 1, District 11, HCMC
08.62641616
35
Cay Go Transaction Office
176B Hau Giang, Ward 6, District 6, HCMC
08.62988227
36
Cho Lon Branch
76-78-80 Hai Thuong Lan Ong, Ward 10, District 5, HCMC
08.39520840
37
An Duong Vuong Transaction Office
59C An Duong Vuong, Ward 8, District 5, HCMC
08.38339211
38
Binh Chanh Transaction Office
A8/9 National Road 50, Hamlet 2, Binh Hung Commune, Binh Chanh District, HCMC
08.39516237
39
Chau Van Liem Transaction Office
44-46 Chau Van Liem, Ward 10, District 5, HCMC
08.39509023
40
Ngo Quyen Transaction Office
92 Ngo Quyen, Ward 7, District 5, HCMC
08.39520685
41
An Dong Transaction Office
97K Nguyen Duy Duong, Ward 9, District 5, HCMC
08.38337542
42
An Dong Plaza Transaction Office
An Dong Plaza, 18 An Duong Vuong, Ward 9, District 5, HCMC
08.62935708
43
District 8 Transaction Office
344 Tung Thien Vuong, Ward 13, District 8, HCMC
08.39515705
44
Hoa Binh Transaction Office
63 Bui Huu Nghia, Ward 5, District 5, HCMC
08.39244341
242 Cong Quynh, Pham Ngu Lao Ward, Dictrict 1, HCMC
08.39206501
45
Cat Lai Transaction Office
ADDRESS
Cong Quynh Branch
46
Vo Van Tan Transaction Office
432 Vo Van Tan, Ward 5, District 3, HCMC
08.38181966
47
Minh Khai Transaction Office
Ground Floor, 414 Nguyen Thi Minh Khai, Ward 5, District 3, HCMC
08.39293470
48
Ly Thai To Transaction Office
11 Ly Thai To, Ward 1, District 10, HCMC
08.38300042
49
Co Giang Transaction Office
193-203 Tran Hung Dao, Co Giang Ward, District 1, HCMC
08.39206502
294 Provincial Road No. 8, Cu Chi Town, Cu Chi District, HCMC
08.37925286
851 National Road 22, Quarter 5, Cu Chi Town, Cu Chi District, HCMC
08.38921234
101 Hoang Van Thu, Ward 8, Phu Nhuan District, HCMC
08.38455770
50
Cu Chi Branch
51
52
Gia Dinh Branch
53
Nguyen Kiem Transaction Office
402B Nguyen Kiem, Ward 3, Phu Nhuan District, HCMC
08.39956270
54
Ba Chieu Transaction Office
25K Phan Dang Luu, Ward 3, Binh Thanh District, HCMC
08.35510886
55
Le Quang Dinh Transaction Office
94 Le Quang Dinh, Ward 14, Binh Thanh District, HCMC
08.35512956
56
Nguyen Thai Son Transaction Office
442 Nguyen Thai Son, Ward 5, Go Vap District, HCMC
08.35886989
57
No Trang Long Transaction Office
170V-170X No Trang Long, Ward 12, Binh Thanh District, HCMC
08.35515327
58
Hoang Minh Giam Transaction Office
76 Nguyen Thai Son, Ward 3, Go Vap District, HCMC
08.39940286
Cu Chi Transaction Office
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No.
BRANCH
59
Binh Thanh Transaction Office
60
61
62
TRANSACTION OFFICE
TEL
No.
BRANCH
452 Le Quang Dinh, Ward 11, Binh Thanh District, HCMC
08.35157038
90
Tan Son Nhat Transaction Office
92 Hong Ha, Ward 2, Tan Binh District, HCMC
08.62968557
Quang Trung Transaction Office
313 (former 201E) Quang Trung, Ward 10, Go Vap District, HCMC
08.39899362
91
Truong Vinh Ky Transaction Office
186 Truong Vinh Ky, Tan Son Nhi Ward, Tan Phu District, HCMC
08.38496052
Nguyen Oanh Transaction Office
75-77 Nguyen Oanh, Ward 10, Go Vap District, HCMC
08.39899539
92
Le Trong Tan Transaction Office
190 Le Trong Tan, Tay Thanh Ward, Tan Phu District, HCMC
08.38132753
152/2 – 152/3 Nguyen Anh Thu, Trung Chanh Ward, Hoc Mon District, HCMC
08.38216818
93
Nguyen Son Transaction Office
350 Nguyen Son, Phu Tho Hoa Ward, Tan Phu District, HCMC
08.62673223
No. 23; 38/4 & 25 Ly Thuong Kiet, Hoc Mon Town, Hoc Mon District, HCMC
08.37106425
94
348 Hai Ba Trung, Tan Dinh Ward, District 1, HCMC
08.38207853
170 Tran Quang Khai, Tan Dinh Ward, District 1, HCMC
08.35268871
Hoc Mon Branch
ADDRESS
TRANSACTION OFFICE
TEL
63
Hoc Mon Transaction Office
64
Nguyen Anh Thu Transaction Office 192 Dong Hamlet, Thoi Tam Thon Commune, Hoc Mon Town, HCMC
08.37185660
95
Tran Quang Khai Transaction Office
65
Go Vap Transaction Office
624-626 Quang Trung, Ward 11, Go Vap District, HCMC
08.39897346
96
Dinh Tien Hoang Transaction Office 41 Dinh Tien Hoang, Ward 3, Binh Thanh District, HCMC
08.35174503
66
An Hoi Transaction Office
1168 Quang Trung, Ward 8, Go Vap District, HCMC
08.38311505
97
Xo Viet Nghe Tinh Transaction Office 298 Xo Viet Nghe Tinh, Ward 21, Binh Thanh District, HCMC
08.35127704
67
Le Duc Tho Transaction Office
577 (former 525) Le Duc Tho, Ward 16, Go Vap District, HCMC
08.39164006
98
Thanh Da Transaction Office
744 (former 632) Xo Viet Nghe Tinh, Ward 25, Binh Thanh District, HCMC
08.35119618
50-52 Pham Ngoc Thach, Ward 6, District 3, HCMC
08.38243395
99
Dien Bien Phu Transaction Office
259 Dien Bien Phu, Ward 15, Binh Thanh District, HCMC
08.35127494
68
Pham Ngoc Thach Branch
Tan Dinh Branch
ADDRESS
69
To Hien Thanh Transaction Office
190 To Hien Thanh, Ward 15, District 10, HCMC
08.38681185
100
Thi Nghe Transaction Office
147 Xo Viet Nghe Tinh, Ward 17, Binh Thanh District, HCMC
08.38408731
70
District 10 Transaction Office
133 3 Thang 2 Street, Ward 11, District 10, HCMC
08.38339576
101
Hang Xanh Transaction Office
87 Dien Bien Phu, Ward 15, Binh Thanh District, HCMC
08.35142960
71
Nguyen Thong Transaction Office
69 Nguyen Thong, Ward 9, District 3, HCMC
08.35264211
102
Bach Dang Transaction Office
231 Bach Dang, Ward 15, Binh Thanh District, HCMC
08.38997791
72
Hoang Sa Transaction Office
Ground and Mezzanine Floor, No.921 - 923 Hoang Sa Street, Ward 11, District 3, HCMC
08.35262013
103
Van Thanh Transaction Office
111 D2 Street, Ward 25, Binh Thanh District, HCMC
08.38997958
73
Hoa Hung Transaction Office
258 Cach Mang Thang 8, Ward 10, District 3, HCMC
08.35261035
104
453 Ly Thuong Kiet, Ward 8, Tan Binh District, HCMC
08.39713275
74
Thanh Thai Transaction Office
245 To Hien Thanh, Ward 13, District 10, HCMC
08.39797414
105
Hoang Van Thu Transaction Office
340H-K Hoang Van Thu, Ward 4, Tan Binh District, HCMC
08.38441653
75
3/2 Transaction Office
312 3 Thang 2 Street, Ward 12, District 10, HCMC
08.38683924
106
Chi Linh Transaction Office
Ground and 1st Floor, No.1093-1095 Cach Mang Thang 8, Ward 7, Tan Binh District, HCMC
08.38691071
98B Nguyen Van Troi, Ward 8, Phu Nhuan District, HCMC
08.39977509
107
Lac Long Quan Transaction Office
417-419 Lac Long Quan, Ward 5, District 11, HCMC
08.39752191
76
Phu Dong Branch
Thong Nhat Branch
77
Phu Nhuan Transaction Office
176 Phan Dinh Phung, Ward 2, Phu Nhuan District, HCMC
08.39954407
108
Ly Thuong Kiet Transaction Office
85 Ly Thuong Kiet, Ward 7, Tan Binh District, HCMC
08.39717806
78
Phan Xich Long Transaction Office
182 Phan Xich Long, Ward 2, Phu Nhuan District, HCMC
08.38434541
109
Nga Tu Bay Hien Transaction Office
996 Lac Long Quan, Ward 8, Tan Binh District, HCMC
08.39771286
79
Huynh Van Banh Transaction Office
319 Huynh Van Banh, Ward 11, Phu Nhuan District, HCMC
08.38423381
110
Au Lac Transaction Office
304 Lac Long Quan, Ward 5, District 11, HCMC
08.39753696
80
Thu Duc Transaction Office
707 Kha Van Can, Linh Tay Ward, Thu Duc District, HCMC
08.37205156
111
Bau Cat Transaction Office
896 Au Co, Ward 14, Tan Binh District, HCMC
08.38132095
81
District 9 Transaction Office
241A-243 Le Van Viet, Hiep Phu Ward, District 9, HCMC
08.37309746
112
Luy Ban Bich Transaction Office
761A (former 751) Luy Ban Bich, Phu Tho Hoa Ward, Tan Phu District, HCMC
08.39721348
82
Le Van Sy Transaction Office
185 Le Van Sy, Ward 14, Phu Nhuan District, HCMC
08.39910798
113
Ground Floor & 1st Floor, 927 Tran Hung Dao, Ward 1, District 5, HCMC
08.39230666
83
Bac Hai Transaction Office
757 Cach Mang Thang Tam, Ward 6, Tan Binh District, HCMC
08.39770418
114
Nguyen Hue Transaction Office
TA23, Ground floor, Lucky Plaza, 38 Nguyen Hue, Ben Nghe Ward, District 1, HCMC
08.38248598
84
Vo Van Ngan Transaction Office
96A Vo Van Ngan, Binh Tho Ward, Thu Duc District, HCMC
08.37228486
115
Nha Rong Transaction Office
155 Ky Con, Nguyen Thai Binh Ward, District 1, HCMC
08.39142526
341 Cong Hoa, Ward 13, Tan Binh District, HCMC
08.38108986
116
Tran Hung Dao Transaction Office
715 Tran Hung Dao, Ward 1, District 5, HCMC
08.38383192
85
Tan Binh Branch
HANOI AREA
86
Truong Chinh Transaction Office
318 Truong Chinh, Ward 13, Tan Binh District, HCMC
08.38122483
87
Pham Van Hai Transaction Office
91K Pham Van Hai, Ward 3, Tan Binh District, HCMC
08.39919351
117
88
An Suong Transaction Office
301 (former 135/3) Truong Chinh, Tan Thoi Nhat Ward, District 12, HCMC
08.62561145
118
89
Tan Son Nhi Transaction Office
211 Tan Son Nhi, Tan Son Nhi Ward, Tan Phu District, HCMC
08.62692418
30
Saigon Commercial Bank www.scb.com.vn
Sai Gon Branch
Cau Giay Branch
Cau Giay Transaction Office
9+10, Lot 12B Trung Yen, Trung Hoa, Trung Hoa Ward, Cau Giay District, Hanoi
04.37834609
233 Cau Giay, Dich Vong Ward, Cau Giay District, Hanoi
04.37675570
Reaching Target
31
No.
BRANCH
TEL
No.
BRANCH
119
Thuy Khue Transaction Office
04.62506883
149
Long Bien Transaction Office
409 Nguyen Van Cu, Ngoc Lam Ward, Long Bien District, Hanoi
04.38737128
120
Nguyen Khanh Toan Transaction Office 16 Nguyen Khanh Toan, Quan Hoa Ward, Cau Giay District, Hanoi
04.62711686
150
Hang Cot Transaction Office
63 Hang Cot, Hang Ma Ward, Hoan Kiem District, Hanoi
04.62722686
121
Lac Long Quan Transaction Office
391 Lac Long Quan, Nghia Do Ward, Cau Giay District, Hanoi
04.62821686
151
Gia Lam Transaction Office
161 Nguyen Van Cu, Ngoc Lam Ward, Long Bien District, Hanoi
04.62721867
122
Vu Trong Phung Transaction Office
106 Vu Trong Phung, Thanh Xuan Trung Ward, Thanh Xuan District, Hanoi
04.37586511
152
Luong Ngoc Quyen Transaction Office
45A Luong Ngoc Quyen, Hang Buom Ward, Hoan Kiem District, Hanoi
04.62709996
123
Ho Tung Mau Transaction Office
386 Ho Tung Mau, Phu Dien Ward, Bac Tu Liem District, Hanoi
04.62822666
153
Hang Manh Transaction Office
5 Hang Manh, Hang Gai Ward, Hoan Kiem District, Hanoi
04.62722866
124
Nguyen Thi Dinh Transaction Office
43 Nguyen Thi Dinh, Trung Hoa Ward, Cau Giay District, Hanoi
04.35558540
125
Hoang Quoc Viet Transaction Office
156 Hoang Quoc Viet, Co Nhue 1 Ward, Bac Tu Liem District, Hanoi
04.62692763
154
Bac Ninh Branch
316 Tran Hung Dao, Dai Phuc Ward, Bac Ninh City, Bac Ninh Province
0241.3856736
126
Ha Noi Branch
214 Thai Ha, Trung Liet Ward, Dong Da District, Hanoi
04.62732073
155
Hai Duong Branch
119 Nguyen Luong Bang, Pham Ngu Lao Ward, Hai Duong City, Hai Duong Province
0320.3898899
127
Doi Can Transaction Office
153D Doi Can, Doi Can Ward, Ba Dinh District, Hanoi
04.37227453
156
Hai Phong Branch
14 Tran Phu, Luong Khanh Thien Ward, Ngo Quyen District, Hai Phong City
031.3250098
128
Dong Da Transaction Office
60-62-64-66-68 Tay Son, Quang Trung Ward, Đống Đa District, Hanoi
04.35114912
157
Hang Kenh Transaction Office
181 Hang Kenh, Hang Kenh Ward, Le Chan District, Hai Phong City
031.3639557
129
Lang Ha Transaction Office
35 Huynh Thuc Khang, Lang Ha Ward, Dong Da District, Hanoi
04.35140971
158
An Bien Transaction Office
161 Hai Ba Trung, An Bien Ward, Le Chan District, Hai Phong City
031.3518658
130
Thanh Xuan Transaction Office
167 Nguyen Ngoc Nai, Khuong Mai Ward, Thanh Xuan District, Hanoi
04.35575225
159
To Hieu Transaction Office
377 To Hieu, Ho Nam Ward, Le Chan District, Hai Phong City
031.3956935
131
Kham Thien Transaction Office
91 Kham Thien, Kham Thien Ward, Dong Da District, Hanoi
04.62706686
160
5A Hoang Van Thu, Minh Khai Ward, Hong Bang District, Hai Phong City
031.3569516
132
Nguyen Trai Transaction Office
148 Nguyen Trai, Thuong Dinh Ward, Thanh Xuan District, Hanoi
04.62721686
161
Lach Tray Transaction Office
310 Lach Tray, Kenh Duong Ward, Le Chan District, Hai Phong City
031.3613156
133
Ton Duc Thang Transaction Office
214 Ton Duc Thang, Hang Bot Ward, Dong Da District, Hanoi
04.62606266
162
Tran Nguyen Han Transaction Office
266H Tran Nguyen Han, Niem Nghia Ward, District Le Chan, Hai Phong City
031.3786202
134
Ngoc Ha Transaction Office
207 Doi Can, Doi Can Ward, Ba Dinh District, Hanoi
04.37228240
163
Ngo Quyen Transaction Office
176 Da Nang, Lac Vien Ward, Ngo Quyen District, Hai Phong City
031.3625555
135
Le Trong Tan Transaction Office
1- 2 Floor, 14 Le Trong Tan Street, Khuong Mai Ward, Thanh Xuan District, Hanoi
04.62857324
164
02 Nguyen Sy Sach, Hung Binh Ward, Vinh City, Nghe An Province
038.3588500
136
Giang Vo Transaction Office
159 Giang Vo, Cat Linh Ward, Dong Da District, Hanoi
04.37368797
165
25 Quang Trung, Quang Trung Ward, Vinh City, Nghe An Province
038.3567768
37 Nguyen Dinh Chieu, Le Dai Hanh Ward, Hai Ba Trung District, Hanoi
04.39438732
166
20 Tran Hung Dao, Tran Hung Dao Ward, Ha Long City, Quang Ninh Province
033.3518111
137
TRANSACTION OFFICE
Hai Ba Trung Branch
ADDRESS 72 Thuy Khue, Thuy Khue Ward, Tay Ho District, Hanoi
TRANSACTION OFFICE
ADDRESS
TEL
NORTHERN AREA
Hong Bang Branch
Nghe An Branch Quang Trung Transaction Office Quang Ninh Branch
138
Nguyen Khuyen Transaction Office
102 Nguyen Khuyen, Van Mieu Ward, Dong Da District, Hanoi
04.37475415
167
Ha Long Transaction Office
Group 36, Quarter 2B, Bach Dang Ward, Ha Long City, Quang Ninh Province
033.3518851
139
Thanh Nhan Transaction Office
529 Kim Nguu, Vinh Tuy Ward, Hai Ba Trung District, Hanoi
04.36368046
168
Uong Bi Transaction Office
439 Group 37, Quarter 2P, Quang Trung Ward, Uong Bi City, Quang Ninh Province
033.3566058
140
Tran Hung Dao Transaction Office
92 Ly Thuong Kiet, Cua Nam Ward, Hoan Kiem District, Hanoi
04.39335340
169
Bai Chay Transaction Office
Lot 9, Group 9, Quarter 9 Cai Dam, Bai Chay Ward, Ha Long City, Quang Ninh Province
033.3515075
141
Pho Vong Transaction Office
140B Pho Vong, Phuong Liet Ward, Thanh Xuan District, Hanoi
04.62783709
142
Bach Mai Transaction Office
470 Bach Mai, Truong Dinh Ward, Hai Ba Trung District, Hanoi
04.62606683
170
143
Ngo Thi Nham Transaction Office
32 Ngo Thi Nham, Ngo Thi Nham Ward, Hai Ba Trung District, Hanoi
04.62701686
171
144
Tran Khat Chan Transaction Office
482 Tran Khat Chan, Pho Hue Ward, Hai Ba Trung District, Hanoi
04.62722266
172
145
Kim Dong Transaction Office
25 Kim Dong, Giap Bat Ward, Hoang Mai District, Hanoi
04.62710686
173
19-21-23 Ly Thai To, Ly Thai To Ward, Hoan Kiem District, Hanoi
04.35190151
174
146
Branch Thang Long
CENTRAL & HIGHLAND AREA Dak Lak Branch
178 Y- Jut, Thang Loi Ward, Buon Ma Thuot City, Dak Lak Province
0500.3843027
53 Nguyen Tat Thanh, Tan An Ward, Buon Ma Thuot City, Dak Lak Province
0500.3959268
Gia Lai Branch
78 Hai Ba Trung, Yen Do Ward, Pleiku City, Gia Lai Province
059.3871500
Binh Dinh Branch
01 Nguyen Tat Thanh, Ly Thuong Kiet Ward, Quy Nhon City, Binh Dinh Province
056.3822288
20/10 Transaction Office
252 Tran Hung Dao, Tran Hung Dao Ward, Quy Nhon City, Binh Dinh Province
056.3818558
Nguyen Tat Thanh Transaction Office
147
Ba Dinh Transaction Office
14 Nguyen Bieu, Quan Thanh Ward, Ba Dinh District, Hanoi
04.37345578
175
An Nhon Transaction Office
23 Quang Trung, Binh Dinh Town, An Nhon District, Binh Dinh Province
056.3635883
148
Hoan Kiem Transaction Office
83 Hang Ga, Hang Bo Ward, Hoan Kiem District, Hanoi
04.39232918
176
Ngo May Transaction Office
45-47 Ngo May, Nguyen Van Cu Ward, Quy Nhon City, Binh Dinh Province
056.3946867
32
Saigon Commercial Bank www.scb.com.vn
Reaching Target
33
No.
BRANCH
177
Cho Han Branch
TRANSACTION OFFICE
ADDRESS
TEL
4 Hung Vuong & 106 Bach Dang, Hai Chau I Ward, Hai Chau District, Da Nang City
0511.3891888
No.
BRANCH
An Giang Branch
Dong Da Transaction Office
303 Dong Da, Thach Thang Ward, Hai Chau District, Da Nang City
0511.3652666
203
179
Hoa Khe Transaction Office
351 Dien Bien Phu, Hoa Khe Ward, Thanh Khe District, Da Nang City
0511.372 0666
204
180
Nui Thanh Transaction Office
179 Nui Thanh, Hoa Cuong Ward, Hai Chau District, Da Nang City
0511.3629666
205
256 Tran Phu, Phuoc Ninh Ward, Hai Chau District, Da Nang City
0511.3565544
206
Da Nang Branch
ADDRESS
TEL
WESTERN AREA
178
181
TRANSACTION OFFICE
4+5KT Ha Hoang Ho, My Xuyen Ward, Long Xuyen City, An Giang Province
076.3945235
Chau Doc Transaction Office
294 Le Loi, Chau Phu B Ward, Chau Doc City, An Giang Province
076.3550101
My Phuoc Transaction Office
100/5N Tran Hung Dao, My Phuoc Ward, Long Xuyen City, An Giang Province
076.3940637
Ben Tre Branch
29C Dong Khoi Blvd, Phu Khuong Ward, Ben Tre City, Ben Tre Province
075.3510740 0780.3616111
182
Le Duan Transaction Office
247 Le Duan, Tan Chinh Ward, Thanh Khe District, Da Nang City
0511.3752666
207
Ca Mau Branch
137 Nguyen Tat Thanh, Ward 8, Ca Mau City, Ca Mau Province
183
Ham Nghi Transaction Office
103-105 Ham Nghi, Vinh Trung Ward, Thanh Khe District, Da Nang City
0511.3586888
208
Can Tho Branch
217 (former 209C) 30 Thang 4 Sreet, Xuan Khanh Ward, Ninh Kieu District, Can Tho City 0710.3781490
184
Phan Đang Luu Transaction Office 142 Phan Dang Luu, Hoa Cuong Nam Ward, Hai Chau District, Da Nang City
0511.3644666
209
An Phu Transaction Office
Số 109 Ly Tu Trong, An Cu Ward, Ninh Kieu District, Can Tho City
0710.3733754
185
Hoang Dieu Transaction Office
340 (former 236) Hoang Dieu, Binh Hien Ward, Hai Chau District, Da Nang City
0511.3575668
210
An Hoa Transaction Office
123-125 (former 36/42-36/44) Tran Viet Chau, An Hoa Ward, Ninh Kieu District, Can Tho City
0710.3895775
186
Son Tra Transaction Office
530K Ngo Quyen, An Hai Tay Ward, Son Tra District, Da Nang City
0511.3831888
211
60-62 Group 12, Doc Binh Kieu, Ward 2, Cao Lanh City, Province Dong Thap
067.3876878
187
Lien Chieu Transaction Office
715 Ton Duc Thang, Hoa Khanh Bac Ward, Lien Chieu Distric, Da Nang City
0511.3796888
212
15 Au Co, Group 1, Ward 2, Sa Dec City, Dong Thap Province
067.3772838
78 Ly Thanh Ton, Phuong Sai Ward, Nha Trang City, Khanh Hoa Province
058.3563405
213
Kien Giang Branch
468 Nguyen Trung Truc, Vinh Lac Ward, Rach Gia City, Kien Giang Province
077.3929001
47 Street 2/4, Vinh Phuoc Ward, Nha Trang City, Khanh Hoa Province
058.3544242
214
Long An Branch
60 Nguyen Trung Truc, Ward 2, Tan An City, Long An Province
072.3525588
125 Nguyen Huu Tho, Ben Luc Town, Ben Luc District, Long An Province
072.3655828
19-21A Vo Van Tan, Tan An Ward, Ninh Kieu District, Can Tho City
0710.3819977
188
Khanh Hoa Branch
189
Vinh Phuoc Transaction Office
SOUTH EAST AREA
Dong Thap Branch Sa Dec Transaction Office
215
Ben Luc Transaction Office
190
Ba Ria Vung Tau Branch
89 Le Loi, Ward 6, Vung Tau City, Ba Ria - Vung Tau Province
064. 3577334
216
191
Binh Duong Branch
307 Binh Duong Blvd, Chanh Nghia Ward, Thu Dau Mot City, Binh Duong Province
0650.3872601
217
Mau Than Transaction Office
86 Mau Than, An Hoa Ward, Ninh KieuDistrict, Can tho City
0710.3759989
Ninh Kieu Branch
192
Ben Cat Transaction Office
229C Hung Vuong, Quater 1, My phuoc 2 Residence, My Phuoc Ward, Ben Cat Town, Binh Duong Province
0650.3567274
218
Cai Rang Transaction Office
164A National Road 1A, Le Binh Ward, Cai Rang District, Can Tho City
0710.3527577
193
Di An Transaction Office
461 Tran Hung Dao, Di An Ward, Di An Town, Binh Duong Province
0650.3736833
219
Tran Phu Transaction Office
35 Tran Phu, Cai Khe Ward, Ninh Kieu District, Can Tho City
0710.3825789
487 Tran Hung Dao, Lac Dao Ward, Phan Thiet City, Binh Thuan Province
062.3722400
220
39 National Road 50, Can Giuoc Town, Can Giuoc District, Long An Province
072.3779793
345 Huynh Thuc Khang, Quarter 5, Mui Ne Ward, Phan Thiet City, Binh Thuan Province
062.3748865
221
Duc Hoa 1 Industrial Park, Hanh Phuc, Duc Hoa Dong Ward, Duc Hoa District, Long An Province
072.3779791
54 Nguyen Ai Quoc, Tan Tien Ward, Bien Hoa City, Dong Nai Province
061.3943625
222
134-136 Dinh Bo Linh, Ward 2, My Tho City, Tien Giang Province
073.3976288
194
Binh Thuan Branch
195 196
Mui Ne Transaction Office Dong Nai Branch
Can Giuoc Branch Duc Hoa Transaction Office Tien Giang Branch
197
Tan Bien Transaction Office
119/7A Quarter 5B, Ha Noi Road, Tan Bien Ward, Bien Hoa City, Dong Nai Province
061.3880648
223
Cai Lay Transaction Office
1/2C 30 Thang 4 Street, Ward 1, Cai Lay Town, Tien Giang Province
073.3919777
198
Bien Hoa Transaction Office
111 Cach Mang Thang Tam, Hoa Binh Ward, Bien Hoa City, Dong Nai Province
061.3840122
224
Go Cong Transaction Office
17D Truong Dinh, Go Cong Town, Tien Giang Province
073.3514566
45 Nam Ky Khoi Nghia, Ward 3, Vung Tau City, Ba Ria - Vung Tau Province
064.3533737
225
Cai Be Transaction Office
Nguyen Chi Cong Str., Group 18, Quarter 3, Cai Be Town, Cai Be District, Tien Giang 073.3924666 Province
199
Vung Tau Branch
200
Tan Thanh Transaction Office
National Road 51, Quang Phu Hamlet, Phu My Town, Tan Thanh District, Ba Ria - Vung Tau Province
064.3923507
226
Tra Vinh Branch
23 Nam Ky Khoi Nghia, Group 3, Ward 2, Tra Vinh City, Tra Vinh Province
074.3753699
201
Thang Nhat Transaction Office
128 30 Thang 4 Street , Thang Nhat Ward, Vung Tau City, Ba Ria - Vung Tau Province
064.3593893
227
Tra Vinh 1 Branch
86 Nguyen Dang, Group 6, Ward 7, Tra Vinh City, Tra Vinh Province
074.3860677
202
Ba Ria Transaction Office
46 Bach Dang, Phuoc Trung Ward, Ba Ria Town, Ba Ria - Vung Tau Province
064.3717631
228
Vinh Long Branch
11-11A-11B-11C Pham Thai Buong, Ward 4, Vinh Long City, Vinh Long Province
070.3852781
164 Nam Ky Khoi Nghia, Group 2, Vung Liem Town, Vung Liem District, Vinh Long Province
070.3971971
229
34
Saigon Commercial Bank www.scb.com.vn
Vung Liem Transaction Office
Reaching Target
35
927 Tran Hung Dao, Ward 1, Dist 5, HCM (84-8) 39 230 666 (84-8) 39 225 888 1800 5454 38
36
Saigon Commercial Bank www.scb.com.vn
www.scb.com.vn
