Individual Customers
Bond with full interest paid in advance
(Updated at 13:57, 6/9/2010)
This is one of the 6 long term valuable papers (more than 1 year) issued by Agribank, in which all customers including Vietnamese residents, Vietnamese living abroad, foreigners residing and legally operating in Vietnam or foreigners doing business in accordance with Vietnamese Law, can invest.

-          Registered bond: the bond which shows name of the owner.

-          Bearer bond: the bond without name of the owner, Bearer bond is belonged to the holder.

-          Account opening: the bond issuing branch will open a bond account for the owner and give the owner a certificate confirming the bond account.


Main features:

-    Term: at least 1 year
-    Currency: VND, foreign currencies.
-    Minimum value: 100.000 VND, 100 USD or its equivalent in other currency.
-    Maximum value: VND 1 billion, 100.000 USD or its equivalent in other currency. 


Principal Payment

-          The principal payment shall be made to customer at the Agribank’s counter where the bond was issued or at any Agribank’s other counters (for the bear bond only).

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

-          Payment after maturity: If at maturity, the customer will 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 adjustment method: fixed interest rate.

-          Interest calculation: Interest = Face value* Monthly interest rate* Number of days

-          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 bond with full interest paid in advance at the Agribank branches’ counters.

(You could search the address of Agribank’s branches and transaction offices here) .

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