According to the different nature of the business enterprise and operational strength of the customer, the Bank provides the full range of financing options which can be syndicated or bilateral that is tailored to meet the customer's special projects and daily operational needs:

(1) Overdraft
An overdraft provides customers with a direct access to funds to meet their short-term financing needs. Where there are insufficient funds to cover, customers may tap on the overdraft facility, which has a limit that is placed on their account.

(2) Working Capital Loan
Working capital loans are loans granted to customers to meet their daily funding needs and to ensure their normal production and business activities.
Such working capital loans are on a revolving basis, where customers may make multiple withdrawals and repayments, subject to the loan period and facility limit that have been set.

(3) Syndicated Loan
Syndicated loan refers to a loan or other credit facilities provided by a syndicated group constituted by multiple qualified banks or other financial institutions to the same borrower based on the same loan conditions and agreement. We may be the mandated lead arranger or a participating bank.

(4) Vessel Financing
(i) Vessel Mortgage Financing
Long term loans can be provided to the ship owner with the ship being mortgaged to the Bank. The ship should have been launched, with clear property rights, and no mortgage or occurrence of an event of default. Also, it should have completed all tests and operating licenses, in compliance with all airworthiness requirements and insurance underwriting requirements, where the bank is the main beneficiary listed in the insurance.
(ii) financial leasing financing
Ship financial leasing is the lease that lessor purchases the ship selected by lessee, holds the ownership of the ship and rents the ship to lessor within a specified period of time. When the lease contract expires, lessor will transfer the ship to the lessee. This is a new type of financial tool which has both the function of leasing of money and object. Loans can be provided by our branch to lessor in order to purchase the ship when the ship is mortgaged and the benefits of insurance, lease, and ship itself are assigned.
(iii) operating lease financing
Ship operating lease is the lease that lessor rents the ship to lessee ,takes responsibility of the maintenance of the ship and receives rental fee from lessee. After the lease expires, lessee could extend the contract, purchase the ship or return the ship back to lessor. Loans can be provided by our branch to lessor in order to purchase the ship when the ship is mortgaged and the benefits of insurance, lease, and ship itself are assigned.
(iv)lease back financing
Ship owner or company may sell their ship to leasing company or other third parties in order to improve the financial situation and release the tax burden. Our branch could help to arrange the selling and leasing back, as well as to offer necessary financing service.

(5) Aircraft Financing
(i) Pre-delivery financing
Loans or letter of guarantee for payments can be provided to airline company if aircraft manufacturers need airline company to pay a proportionate amount of payment.(ii) Aircraft Mortgage Financing
Long term loans with 30% - 100% deposit rate can be provided to the airlines with the aircraft being mortgaged to the Bank. The aircraft should have been manufactured, with clear property rights, and no mortgage or occurrence of an event of default. Also, it should have completed all tests and operating licenses, in compliance with all airworthiness requirements and insurance underwriting requirements, where the bank is the main beneficiary listed in the insurance.
(iii) financial leasing financing
Aircraft financial leasing is a kind of lease that lessor possesses the ownership of the aircraft but transfers the risk and profit to airline company. This is a new type of financial tool which has both the function of leasing of money and object. Loans can be provided by our branch to lessor in order to purchase the aircraft when the aircraft is mortgaged and the benefits of insurance, lease, and aircraft itself are assigned.
(iv) operating lease financing
Aircraft operating lease is a kind of lease that lessor rents the Aircraft to lessee ,takes responsibility of the maintenance of the aircraft and receives rental fee from lessee. After the lease expires, lessee could extend the contract, purchase the aircraft or return the aircraft back to lessor. Loans can be provided by our branch to lessor in order to purchase the aircraft when the aircraft is mortgaged and the benefits of insurance, lease, and Aircraft itself are assigned.
(v)lease back financing
Aircraft owner or company may sell their Aircraft to leasing company or other third parties in order to improve the financial situation and release the tax burden. Our branch could help to arrange the selling and leasing back, as well as to offer necessary financing service, including purchasing financing, re-financing and off-balance financing.
(vi) leasing guarantee and counter guarantee
We are able to provide guarantee (including opening bank guarantee, Standby LC, Revolving LC) for customer, as well as provide counter guarantee for the banks who have already offer this kind of guarantees to customer, when their credit are not acceptable to lessor.

(6) Project Loan
Project loans refer to loans that we grant to borrowers for their investment projects in building up, expanding, renovating, developing, and purchasing of fixed assets. The project loans have flexible loan terms. We generally grant middle and long term project loans, and also short term ones for temporary turnaround requirements.
The project loans come with multiple combinations. Based on customers' requirements, we may issue bank acceptances under the projects and non-financing guarantees, and conduct both domestic and overseas trade financing services, etc.

(7) Real Estate Development Loan
Real estate development loans refer to loans that we grant to borrowers used for real estate projects and corresponding facility constructions.

(8) ICBC Singapore Branch may offer credit facilities secured by standby letter of credit from ICBC branches in China.

(9) ICBC branches in China may offer credit facilities secured by standby letter of credit from ICBC Singapore Branch.

(10) Internationalisation Finance Scheme (IFS) IFS is a scheme supported by the government of Singapore, where through the form of risk participation, the government of Singapore aims to encourage financial institutions to meet the financing requirements of the local corporate as well as the multinational companies with regional headquarters in Singapore in the development of overseas business.
ICBC Singapore Branch is the first Chinese bank to be admitted into IFS.
Types of financing products include:
Asset-backed loans - For overseas investments in factories, land, construction and other fixed assets.
Structured loans - Structured loans and trade finance granted against confirmed sales orders or secured projects.
Banker's guarantee - Advance payment guarantee, performance bond, etc.
 
Subject to rules and/or regulations in China, ICBC Singapore branch may offer credit facilities to clients in China secured by standby letter of credit from ICBC branches in China.