NCB Operates RLOS System, Offering Quick and Accurate Loan Consultation and Disbursement

National Citizen Commercial Joint Stock Bank (NCB) has officially launched an upgraded version of its RLOS, offering an innovative, creative, and highly convenient banking experience for customers, reducing loan approval time to just 5 minutes.

A Breakthrough in the Loan Experience

National Citizen Commercial Joint Stock Bank (NCB) has officially deployed the new version of the RLOS (Retail Loan Origination System), marking an important milestone in its digital transformation strategy. This is one of the leading digital solutions on the market, bringing an unprecedentedly convenient loan experience to customers. The new version of RLOS not only enhances accuracy and simplifies procedures but also minimizes loan approval time.

With this system, customers seeking to purchase a project home only need to meet with an NCB staff member equipped with an iPad for in-depth consultation and loan approval support, no matter the location. After selecting the property that suits their needs and financial capabilities, customers will receive an approval notification via email within just 5 minutes, quickly and conveniently knowing their exact loan limit. The launch of the new RLOS version not only affirms NCB’s commitment to innovation but also provides maximum convenience, allowing customers to access funds quickly and efficiently.

The RLOS System Brings Maximum Convenience,  
Helping Customers Easily Access Funds Quickly and Effectively 

Mr. Nguyen Thanh Tung (a customer in Hanoi) who is in the process of applying for a loan to purchase a project home, shared, “NCB really surprised me. Previously, the procedures for applying for a bank loan took many days and multiple steps, but now, in just a 'tick-tock,' I have all the information needed to make my decision. The process is fast, transparent, and accurate, saving me a significant amount of time and, especially, providing an excellent experience.”.

Currently, this solution has been implemented by NCB for some projects and real estate products in major markets such as Da Nang, Phu Quoc, Thanh Hoa, Hai Phong, Ha Nam, and is expected to continue expanding in the near future.

In addition to shortening loan approval time, NCB also offers an incredibly attractive interest rate program, starting at just 5.49% per year, with loan limits of up to 100% of the customer’s credit needs. Notably, customers can borrow for up to 35 years, along with a principal deferral policy lasting up to 36 months. This not only reduces financial pressure in the early years but also allows customers to confidently build long-term financial plans.

Accelerating in 2025: A Leap Forward with a New Technological Platform

NCB is moving closer to its goal of becoming a leading financial servicesand solutions provider in the market.

In recent years, NCB has made significant strides in digital transformation. NCB was the first bank to implement the feature of opening a payment account from the VNeID electronic identification application of the Ministry of Public Security and to allow social welfare payments to be directly deposited into NCB accounts without the need to visit government offices. This brings simplicity, safety, and convenience to citizens, contributing to the government’s push for cashless payments.

The bank also overcame nearly 380 domestic and international teams to win an Encouragement Award at the “Data for Life 2024” competition on its first participation, with a highly practical technological solution. Meanwhile, NCB’s digital banking app, iziBankbiz for business customers, has been recognized for two consecutive years in the "Top 50 Consumer-Preferred Products and Services in Vietnam 2024."

In 2025, NCB announced that it will continue to strongly implement its digital transformation strategy, pioneering the development of service products on the most advanced technology platforms, promising breakthrough financial solutions for its customers.

With investment and strong steps in its digital transformation strategy, NCB is gradually realizing its goal of delivering banking experiences through innovative, creative thinking, positioning itself as the center of financial service innovation and contributing to the sustainable development of the community it serves.