Overseas

• Overview
• Branch Network
  • Los Angeles Branch
  • New York Branch
  • San Francisco Branch

New York Branch

Products & Services Overview

Our tailor-made products and services include:

Deposits

• Checking Accounts
• Automatic Overdraft Coverage Service for Personal Checking Account Holders*
• Savings Accounts
• Certificate of Deposit/ Time Deposits

* Terms and Conditions are subject to the Bank’s prior arrangement and approval.

Commercial and Residential Real Estate Financing

• Competitive terms
• Choice of borrowing base among U.S. Prime, Secured Overnight Financing Rate (SOFR), or U.S. Treasury Notes
• Maximum repayment term of 25 years

Property Types

• Multi-family Units / Apartments
• Residential
• Offices
• Retail
• Franchised Hotels
• Industrial
• Warehouse
• Mixed-use

Trade Finance

• Strong expertise in international trade finance
• Tailor-made solutions for importers and exporters
• Comprehensive range of trade products and services

Import Trade Services

• Issuing Letter of Credit
• Inward Bills Loan
• Trust Receipt Facilities
• Invoice Financing
• Inward Collection
• Acceptance under Letter of Credit

Export Trade Services

• Outward Bills Purchase
• Bills Discount
• Invoice Financing
• Outward Collection
• Letter of Credit Advising

Standby Letter of Credit

• Bank guarantee for client obligations
• Financing for purchase of goods and services

Asset Based Lending

• Accounts Receivable and Inventory Financing
  • Revolving Line of Credit
  • Seasonal Operating Advances

Construction Financing

• Competitive interest rates
• Construction term ranging from 12 to 36 months
• Tailor-made financing solutions
• Professional expertise in project management

Property Types

• Residential or mix-used townhouses and condominiums
• Franchised Hotels
• Distribution centres (light industrial and distribution facilities)
• Offices
• Retail spaces

SCHEDULE OF FEES AND CHARGES (EFFECTIVE April 1, 2024)

 

Notes:

1. San Francisco and Los Angeles branches serve both U.S. and non-U.S. residents. Initial deposit for U.S. residents begins at US$250,000 or equivalent. New York branch is restricted by law from accepting deposits from non-U.S. residents.
2. All deposits at our U.S. branches are not insured by the Federal Deposit Insurance Corporation.
3. All deposits with our U.S. branches are not protected by the Deposit Protection Scheme in Hong Kong.