Nanyang Commercial Bank’s (NCB) SME franchise is built around the cross-border needs of companies operating on both sides of the Hong Kong-mainland China boundary. SMEs account for more than 80% of its corporate clients. Its network comprises 34 branches and three commercial business centres in Hong Kong, alongside 33 mainland branches operated by NCB China, including nine in the Greater Bay Area (GBA).
In 2025, NCB strengthened its SME proposition in the GBA, enhancing its Go Global framework as SMEs confronted tariff uncertainty and looked for new markets. This resulted in a 42% year-on-year growth in its new Go Global clients, marking the third consecutive year of double-digit growth. NCB complemented financing with guidance on establishing overseas operations, navigating regulation and using Hong Kong as a springboard for international expansion. It also introduced the Enterprise + Personal account service for entrepreneurs seeking to manage their business and personal banking together.
By combining local coverage with cross-border financing and cash-management tools, NCB addressed the demanding working-capital and expansion needs of SMEs operating across the GBA in 2025
Coordination between NCB and NCB China was central to its proposition. The number of SME clients served jointly by the two banks increased by 28%, September 2024-2025, with more than 60% operating through GBA branches. Its inbound-guarantee structures allowed clients to use offshore funds to obtain RMB financing in mainland China, while forfaiting helped reduce documentary-credit discounting costs. NCB Faster Remittance supported lower-cost transfers between Hong Kong and mainland China, with real-time payment tracking available through corporate internet banking.
By combining local coverage with cross-border financing and cash-management tools, NCB addressed the demanding working-capital and expansion needs of SMEs operating across the GBA in 2025.
