Customer focus is the hallmark of our commercial banking services. We are a relationship-focused bank and a resourceful provider of a wide range of financial products and services to the business communities. Particularly for the small and medium-sized companies, our customer relationship teams anticipate the needs of each of our customers and deliver efficient and tailored services to help them grow. Our desire to be the choice partner for the growing businesses is the cornerstone of our commercial banking services.

Our services include the following:

• Commercial Real Estate and Construction Financing

  We are an active participant in commercial real estate and construction lending in every market we serve. Our real estate professionals have in-depth market knowledge and experience to meet our customers' real estate financing needs. Our portfolio is well-diversified across geographic areas as well as product types. We provide short and medium-term financing for a wide variety of commercial properties. Our credit facilities encompass acquisition and development financing, conversion and renovation financing, construction loans, interim financing for completed projects, permanent mortgages and refinancing loans. Our expertise in grasping the real estate market dynamics has enabled us to add value each time we work on your real estate or construction projects.

• International Banking and Trade Services

  We pride ourselves on our capabilities in serving your trade finance needs, particularly those involved in the complicated international and domestic trade business. Our wide correspondent networks uniquely position us in the trade services business. Through our focus and strength in cross-border trade financing, we are especially strong in linking with Asian countries by affiliated offices scattered in Taiwan, China, Hong Kong, India, Indonesia, Japan, Philippines, Thailand and Vietnam. In addition, through SWIFT membership and a fully automated in-house international banking system, our trade services specialists provide fast, accurate and efficient services in issuing and processing letters of credit, documentary collection, wire transfers and international fund remittances on a day in and day out basis.

  Our trade finance relationship management teams can structure customized credit facilities for pre- and post-shipment import and export financing, discounting of usance and sight bills, and working capital business loans. Our upgraded cash management products can further enhance our capabilities as a total solution provider for our customers.
  

• Warehouse Lending

  Chinatrust provides warehouse lending facilities to small and medium size mortgage bankers to finance their residential loan production from closing through purchase by institutional investors. Our long-standing commitment to this highly specialized business, combined with proven industry knowledge and experience, has earned us the reputation as a premier lender to the mortgage banking community.

• Asset-Based Lending

  Our asset-based lending program provides our customers with an alternative funding source based primarily on receivables and inventories. We understand the nuts and bolts of the customers' cash flow conversion cycles and we design customized credit facilities to meet the customers' short-term cash needs. Our asset-based lending expertise in a variety of industries, coupled with our lock box, trade, cash management and other banking products and services, have enabled numerous companies to continue growing their businesses by realizing the leverage opportunities of our financial resources.

• Government-assisted Small Business Lending Facilities

  In addition to the above, we have consistently been a lending participating bank in the Overseas Chinese Credit Guaranty Fund (OCCGF) loan guaranty program for Taiwanese customers. Our familiarity with these programs greatly expands the credit access and application processing efficiency for our small business customers.