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Flexible and multiple deposit service, efficient money management with global network

Metrobank offers various kinds of deposits, including RMB deposits and deposits for major foreign currencies like USD, HKD, EUR, JPY, AUD, GBP, and PHP. Our multiple deposit terms and flexible interest rates will allow you to manage your funds conveniently and efficiently.

In order to achieve safe and fast customer payments and settlements, Metrobank relies on a global network and a centralized mode of operations to improve the efficiency for customers to a maximum extent and a variety of payment methods to ensure the optimization and high efficiency of fund management of customers.

Current Deposit

These deposits have unfixed terms. You can deposit and withdraw conveniently, and withdrawal can be made at anytime.

Fixed Deposit

You can choose from any of the six terms for fixed RMB deposits, including 3 months, 6 months, 1 year, 2 years, 3 years, or 5 years. 

For fixed foreign currency deposits, you have options of 1 month, 3 months, 6 months, or 1 year terms. 

Call Deposit

For RMB call deposits, you have options of 1 day, or 7 days terms. 

Agreement Deposit

It is a deposit business in which corporate customers sign "Agreement Deposit Contract of Metropolitan Bank (China) Ltd" with the Bank, and the Bank calculates interest based on demand deposit interest rate for deposit within the amount of basic deposit and pays interest based on agreement deposit interest rate stipulated by PBOC for the part exceeding the amount of basic deposit.

For more information, please consult with our local branch.

The CDS

The CDS issued by our bank to individuals, non-financial institutions, and government agencies.

Structured Deposits

Our existing structured deposits are all RMB capital protected floating income deposit products, which offer 100% principal protection on investment. Corporate customers who are looking for stable investment returns can apply for this business. The existing "Smart Supreme Deposit" series are mainly money market interest rate linked products, while the "Smart Privilege Deposit" series are mainly foreign exchange rate linked products.

For more information, please contact our local branches.


Premium Deposit Foreign Currency Deposit

The "Premium Deposit" is a non-standard term deposit product that better suits the needs of our customers, helping them to achieve higher returns without losing flexibility.

Professional risk control and compliant operation to assist development with win-win relations

With thorough analysis of customer needs and financing bottlenecks and constraints, Metropolitan Bank designs tailored financing products for customers to meet their demands for funds and increase the efficiency of funds use, helping customer business grow and prosper.

Working Capital Loan

Working capital loan refers to loans of domestic and foreign currency, for the purpose of production and operation, granted by the Bank to an enterprise (undertaking) legal person or any other organization which can be the borrower as stipulated by the State.

Fixed asset loan

Fixed asset loan refers to loans used for the borrower’s investment of fixed assets. If the purpose is for fixed asset investment, it is fixed asset loan no matter what the loan type is.

Project loan

Project loan is usually used for construction of a project of (a set of) production equipment, an infrastructure project, a real estate project or any other project, including refinancing for a project which is being built or has been built.

Real estate development loan

Real estate development loan refers to loans granted to the developers and used for developing and constructing commercial houses that will be sold in the market.

Syndicated loan

Syndicated loan refers to loans of domestic and foreign currency or credit granting business that are offered with the borrower by two or more banks through an agency bank based on the same conditions and agreements according to the agreed time and proportion.

Bank Acceptance Draft

Credit of acceptance bank is taken as the basis to ensure flexibility and security of trade settlement; discount rate is marketized to reduce financial cost of enterprises.

Seizing business opportunities with market insights and internal and external coordination

With an international network all around the world and professional expertise and rich experience cumulated since half century before, Metropolitan Bank meticulously prepares integrated solutions combining trade service and financing service for customers, including letter of credit, collection, bank letter of guarantee, and many other products.

Packing Loan

It refers to that our Bank, taking original copy of L/C issued by a overseas bank to a customer who is the beneficiary of the L/C as the pledge, grants a dedicated loan to the customer before submitting drafts and documents for procurement, production, and shipment of goods and raw materials under the L/C. The repayment source of such loan is mainly the foreign exchange earnings from export due to the goods under the L/C.

Export Bill Purchase

It is a financing behavior in which a beneficiary submit all bills under L/C or entrusted items to our Bank after sending goods, and our Bank, after verifying these bills and before the opening bank/collecting bank paying for these bills, pays the exporter in advance and then collects funds from the overseas bank with the set of all bills. 

Forfaiting Business

Forfaiting, also known as buying out bills, is a financing method based on export and import trade, referring that a bank buys out usance accounts receivable which is promised to be paid by issuing bank without recourse from an exporter.At present, our Bank handles Forfaiting business in cooperation with domestic and overseas merchant employers.

Delivery Guarantee

Delivery guarantee refers to a written letter of guarantee issued on a customer's request by our Bank to a carrier (shipping company or other transportation company) for the customer to pick up goods in advance when imported goods arrive earlier than goods bill of lading; it also refers to our Bank's endorsement on the back of non-negotiable copy or original copy of lading bill (Metropolitan Bank as the title) presented by the customer in order to advance goods picking up by the customer.

Letter of Credit Business

Domestic Letter of Credit

"Domestic L/C is a payment guarantee document issued by the Bank according to application of the customer (applicant), under which payment can be made with drafts meeting L/C regulations.

Payment by bank of domestic L/C can be classified into three types: payment at sight, deferred payment and negotiation payment. Negotiation L/C is included in deferred payment L/C, under which the deposit bank of the beneficiary should be designated as the negotiating bank and authorized with negotiation."

Issuance of Letter of Credit

"Documentary L/C is a conditional payment commitment of a bank; it is specifically a written commitment issued by the L/C issuing bank according to an applicant's requirements and instructions to a beneficiary who can receive a payment at sight or on a fixed date in future with specified drafts or documents meeting L/C regulations.

According to different payment modes, L/C can be classified into the following four types: negotiation L/C, sight L/C, usance payment L/C, and acceptance L/C.

According to different payment terms, L/C can be classified into sight L/C and usance L/C."

Letter of Credit Advising

"Letter of credit advising refers to the service that Metropolitan Bank accepts the commission of the issuing bank as the advising bank, and after a reasonable and prudent audit on the apparent authenticity of the letter of credit issued by the issuing bank, notifies the domestic exporter (beneficiary) of the letter of credit.

Letter of credit modification advising refers to the service that Metropolitan Bank in accordance with the instructions of the issuing bank, notifies the domestic exporter (beneficiary) of the modification of L/C. "

Letter of credit confirmation

"Letter of credit confirmation refers to the service that the confirming bank, in addition to the payment obligations of the issuing bank, in favor of the conditional payment undertaking, that the beneficiary submits the match documents and confirming bank bear the primary responsibility for the payment.

Confirming bank refers to the bank which, according to the authorization or request of the issuing bank, adds confirmation of the L/C."

Letter of credit negotiation

Export letter of credit negotiation refers to the service that after shipping the goods and making relevant documents according to the requirement of L/C, the exporter (beneficiary) submits the full set of documents to Metropolitan Bank; the Bank as the designated bank of the L/C, audits the documents under the L/C items, sends the documents to the issuing bank and claims for reimbursement. After receiving the export funds, the Bank pays to the beneficiary.

Letter of Credit Transfer

"Export L/C transfer refers to the behavior that the bank accepts the commission of the first beneficiary, and transfers all or part of the letter of credit rights to one or more second beneficiaries.

Transferable L/C refers to the L/C which is specifically marked with the word of ""transferable"".

Transferring bank refers to a designated bank handling the L/C transfer or refers to the bank which is specifically authorized by the issuing bank and actually handles the L/C transfer, when the L/C is available with any bank. The issuing bank may act as the transferring bank.The issuing bank may act as the transferring bank."

Export Collection

Export collection refers to the service that the exporter, after the shipment of goods, submits the full set of documents to the Bank and commissions the Metropolitan Bank on its behalf to collect the receivables, so as to obtain payment and/or acceptance from the importer; the Bank accepts this business commission to handle the documents in accordance with the collection instruction, and collects the receivables on behalf of the exporter.

Remitting bank: exporters' bank, namely the bank commissioned by the exporter sending document and collecting payment on behalf of exporter .

Collecting bank: importers' bank, namely the bank commissioned by the remitting bank to collect payment from the importer .

Export collection, according to whether commercial documents are attached, can be divided into documentary collection and clean collection (check/traveler's checks).

Documentary collection, according to payment mode, can be divided into documents against payment (D/P) and documents against acceptance (D/A).

Documents against payment (D/P) refers to the collecting bank, after importer's payment, submits the full set of documents to the importer to take delivery of goods.

Documents against Acceptance (D/A) refers the collecting bank, after importer's acceptance, submits the full set of documents to the importer to take delivery of goods. The importer pays at the acceptance maturity.

Import Collection

The   business of import collection refers to a settlement mode in which a foreign   exporter, after sending the goods, entrusts a local bank (entrusted bank) to   collect payment of drafts and documents, and the entrusted bank then entrust   the drafts and documents to a local bank (our Bank) in the place where the   importer is located for reminding the importer of the drafts and documents   and collecting payment.    

According   to different documents releasing modes, there are documents against payment   at sight and documents against acceptance after sight.    

Bank Letter of Guarantee

Bank   letter of guarantee refers to the business whereby the Bank, when applied for   by a customer (applicant), issues a written commitment to a beneficiary,   agreeing that when the applicant or guaranteed party fails to fulfill the   obligations in the contract, the Bank will fulfill the obligations or assume   the liability of compensation on behalf of the applicant.    

Types of   bank letter of guarantee (including but not limited to): letters of guarantee   for bid, for performance, for advances, for customs duty, for payment, for   leasing and for financing.    

Purchase-order Financing

Purchase-order financing is short-term financing for the exporter’s preparation of raw materials, production, shipment and other performance activities offered by the Bank according to the sales contract (or documents with equal legal validity, including orders and agreements, etc) signed by the exporter (borrower) and the foreign importer, taking the foreign exchange collection of export proceeds as repayment source.

Export Credit Insurance Financing

Export   credit insurance financing refers to short-term trade financing business   provided by the Bank for exporters after domestic exporters transfer the   rights and interests of accounts receivable and insurance under the contract,   or of insurance only, to the Bank after exporting the cargo or offering   services and handling export credit insurance.    

Remittance,   collection, L/C and other settlements are applicable to export credit   insurance financing.    

Export Invoice Financing

Export invoice financing refers to short-term trade financing business provided by the Bank for the exporter according to some proportion of the invoice when the exporter pledges the accounts receivable credit under export commercial invoices to the Bank after shipment as stipulated by the contract.

Steady investment & wealth appreciation by efficient circulation & flexible allocation on capital

We allocate assets for idle funds of enterprises, so that enterprises can obtain corresponding investment returns on the basis of taking certain risks.