FINANCIAL AND BANKING CONSULTING SERVICES

Legal Forms of Credit Institutions

Pursuant to Article 6 of the Law on Credit Institutions 2010, as amended and supplemented in 2017, credit institutions may take the following legal forms:

• Domestic commercial banks shall be established and organized in the form of joint-stock companies, except for cases stipulated in Clause 2 of this Article and cases involving approved compulsory transfer schemes.

• State-owned commercial banks shall be established and organized in the form of single-member limited liability companies wholly owned by the State.

• Domestic non-bank credit institutions shall be established and organized in the form of joint-stock companies or limited liability companies.

• Joint-venture credit institutions and wholly foreign-owned credit institutions shall be established and organized in the form of limited liability companies.

• Cooperative banks and people’s credit funds shall be established and organized in the form of cooperatives.

• Microfinance institutions shall be established and organized in the form of limited liability companies.

The Importance of Financial Advisory Services

Financial and banking advisory services play a vital role in helping individuals and businesses identify and achieve their financial objectives. Professional financial advisors analyze clients’ current and future financial situations, propose suitable solutions, and guide the implementation of financial plans.

Financial and banking consulting services also assist individuals and enterprises in assessing and managing financial risks. Advisors provide information and analysis on financial products and services, enabling clients to understand associated risks and benefits. This helps clients make informed decisions and achieve financial stability and security.

Moreover, financial and banking advisory services offer support in investment and financing activities. Advisors recommend investment options aligned with clients’ objectives and risk tolerance and assist businesses in identifying and accessing appropriate funding sources, such as loans, equity capital, or investment funds.

However, to maximize the benefits of financial and banking advisory services, selecting a reputable and experienced consulting firm is essential. Clients should carefully review, research, and choose financial professionals with strong expertise and high ethical standards.

CORPORATE FINANCIAL ADVISORY

CELIGAL’s Financial and Banking Advisory Services

CELIGAL is a law firm with extensive experience in financial and banking consulting, supported by a team of highly qualified lawyers with in-depth professional knowledge. We have advised numerous domestic and international financial institutions. Our lawyers possess strong legal expertise, excellent professional skills, and keen business acumen. We proactively engage in advisory processes based on our thorough understanding and practical experience gained from daily legal practice.

Our services include:

• Public offerings of securities on centralized markets and the OTC market;

• Secured transactions involving real estate and personal assets;

• Debt recovery procedures, including negotiation, mediation, arbitration, and litigation;

• Negotiation and management of letters of credit (L/C) and escrow accounts;

• Advisory services on secured lending transactions;

• Legal advice on banking and credit products;

• Establishment of banks and bank mergers and acquisitions;

• Advisory services on documentary and electronic trade transactions;

• Advisory services on capital structure transactions within credit institutions;

• Advisory and support for capital mobilization for public projects, infrastructure projects, and public–private partnership (PPP) projects;

• Advisory services on private placements of shares and stock options in public companies;

• Advisory and drafting of financial documents, letters of credit, credit support documents, and mortgage documentation in credit transactions;

• Legal advisory services and implementation of procedures relating to contract liquidation, guarantee disbursement, dispute resolution, and litigation for loan recovery;

• Advisory and drafting of internal policies, customer services, and compliance control systems for banking and non-bank credit institutions;

• Advisory services on capital market transactions, including underwriting of government bonds and corporate bonds, and securitization in the Vietnamese and international markets;

• Representation of clients in disputes and litigation relating to lender liability, payment order fraud, priority rights over collateral, sub-contracts, trusts, letters of credit, and supplemental credit facility agreements.