Syndicated Loan

Syndicated loan is a financing arranged by a single or a group of banks as arranger(s). The arranger(s) will invite other banks to jointly participate the financing based on the same terms and conditions. The syndicate of lenders will provide funding to the borrower through an agent bank under a single credit facility agreement.

ICBC Hong Kong Branch is an active and major player in the Hong Kong syndicated loan market. Our syndicated loan capabilities and market reputation in the syndication business as arranger are well-recognized. ICBC Hong Kong Branch has successfully arranged many syndicated loans to support the financing needs of PRC state-owned enterprises, PRC large private-owned enterprises, local public institutions, local top-tier enterprises, etc.

ICBC Hong Kong Branch provides various kinds of financing including corporate finance, project finance, M&A finance, green finance, etc. to satisfy the financing needs of our customers. With our professional syndication and agency teams, we lead, underwrite, distribute, participate and act as agent bank for syndicated loans.

Commercial Lending

As a partner of our clients in their business development, we offer a full spectrum of commercial lending and financial advisory services to assist them in capitalizing all business opportunities.

With the extensive branch network of ICBC in China and our in-depth understanding of the Chinese market, we are able to provide our clients with professional advice and financing services to facilitate their business activities in China.

We provide a wide range of products including funding, bid bonds, performance bonds, prepayment bonds, maintenance bonds and utility guarantees for construction projects.

Commercial term loans, revolving loans and overdraft facilities are offered to our clients to enhance their ability in meeting their financial needs and obligations.

We also help our clients obtain credit or financing abroad by issuing financial guarantees or stand-by letters of credit.

Mortgage Lending

Preferential mortgage loan services are offered to our clients to meet their home financing needs. Flexible repayment period and various repayment schemes are offered to our clients to suit their budget.

Application is easy and convenient, Pre-approved mortgage service is available, Total amount of a mortgage loan can be as high as 70% of the appraised property value.

Our clients can enjoy a repayment period of up to 30 years. Clients may choose either fixed installments of payment or fixed term of payment in repaying the principal and interests of the loan. Clients shall enjoy waiver from paying the first year premium for fire insurance and exemption or reduction of attorney charges.