Businesses require more than accounts.
Banking Built Around Business.
They require financial infrastructure capable of supporting operations, managing liquidity, facilitating transactions and adapting as commercial requirements evolve.
We work with selected corporations, holding companies, entrepreneurs and institutional counterparties whose financial requirements call for personalised attention, international perspective and disciplined execution.
A RELATIONSHIP-LED APPROACH
A RELATIONSHIP-LED APPROACH
Understand the Business First.
Corporate banking should begin with a clear understanding of commercial purpose.
Before considering accounts, payments or financial solutions, we seek to understand how the business operates.
Its ownership. Its markets. Its counterparties. Its sources of revenue. Its currencies. Its transaction flows. Its liquidity requirements. And its longer-term objectives.
This allows the financial relationship to be structured around the realities of the business rather than a standardised product offering.
CORPORATE ACCOUNTS
Financial Infrastructure for Business.
An effective corporate account should provide a reliable foundation for the financial activities of the organisation.
Depending upon the nature of the client, jurisdiction and available services, account relationships may be structured to support selected operating, treasury and transactional requirements.
Operating requirements
Incoming and outgoing payments
Currency requirements
Corporate liquidity
International transactions
Treasury activity
INTERNATIONAL PAYMENTS
Business Across Borders.
Modern businesses rarely operate within a single financial market.
Suppliers may be located in one jurisdiction.
Customers in another.
Investors elsewhere.
Payments may involve different currencies, counterparties and banking systems.
We support selected corporate clients in considering the financial infrastructure required for international commercial activity, with attention to efficiency, transaction integrity and appropriate oversight.
TREASURY MANAGEMENT
Control. Visibility. Liquidity.
Treasury management sits at the centre of a company’s financial operations.
Capital must be available for current obligations while remaining positioned appropriately for future requirements.
Strategic Reserves
Resources maintained for future commitments or unexpected circumstances.
Operating Liquidity
Capital required for normal business activity.
Currency Exposure
Considering the impact of operating across multiple currencies.
Investment Capital
Identifying capital that may not be required immediately and could potentially be managed according to a defined mandate.
Cash Positioning
Understanding where corporate liquidity is held and how it supports the organisation.
FOREIGN EXCHANGE
Managing a Multi-Currency World.
International companies frequently earn revenue, incur expenses or maintain obligations across different currencies. Currency movements can therefore influence margins, cash flows and the value of international transactions.
Where relevant to the corporate relationship, foreign-exchange requirements may be considered as part of the wider treasury and transactional framework.
FOR ENTREPRENEURS & OWNER-MANAGED BUSINESSES
Business and Personal Wealth Often Intersect.
For entrepreneurs, corporate banking is rarely completely separate from private wealth.
The company may represent years of accumulated value and a significant proportion of the owner’s financial interests.
A dividend, sale, acquisition, succession or liquidity event may therefore have implications for both the company and the individual.
Our broader capabilities allow us to consider corporate requirements alongside private banking and wealth-planning needs where appropriate.
OUR CORPORATE BANKING PRINCIPLES
Commercial Purpose
Efficiency
Reliability
Control
Perspective
INTERNATIONAL CORPORATE STRUCTURES
Complexity Requires Coordination.
International businesses may operate through multiple companies, jurisdictions, currencies and professional relationships. These structures can create additional financial and administrative requirements.
Our role is to understand how the financial elements interact and, where appropriate, coordinate with the client’s lawyers, accountants, tax advisers, fiduciaries and other qualified professionals.