HFC Bank, Fiji's only locally owned bank, offers a range of financial services including personal and business loans, trade finance, and home loans. Established in 1962, it transitioned into a full-fledged commercial bank in 2014. HFC Bank targets individuals, small to medium-sized enterprises (SMEs), and women entrepreneurs. Its unique selling proposition is providing accessible and innovative financial solutions tailored to local needs, with a focus on supporting economic growth and job creation in Fiji. The bank's partnership with international institutions like IFC enhances its trade finance capabilities, addressing a critical gap in the market[1][3].