A. Working Capital Loan
Working capital loans are provided to borrowers in order to fund day-to-day operational expenses by considering future profits as the major source of repayment.

B. Syndicated Loan
A syndicated loan refers to a loan or other credit facility 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.

C. Project Financing
Project financing refers to loans that we extend to borrowers for investment in the construction, expansion, renovation, development and purchase of infrastructure and large-scale fixed assets. Project financing loans are long-term and other additional guarantees and trade financing services are also available.

D. Inter Branch Loan
ICBC in China receives unconditional and irrevocable Standby L/C from their Chinese corporate customer and provides this Standby L/C to the ICBC Seoul Branch and we loan to that Chinese corporate's overseas subsidiary or business partner.

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