Payments

Hassle-free way to automate salary payments to your employees

• Salary payment
• Supplier payments
• Utility and Government payments

Collections

Enhance security, savings, business time and money

• Physical and digital collection systems
• Secure cash and cheque pick-up
• Online collection of customer payments by direct debits

Liquidity

Solutions for increased efficiency and reduced costs

• Standing instructions at reduced costs
• Simple or complex sweeping and pooling capabilities
• Tailored investments to maximise returns on idle or surplus cash
• Post-dated cheque warehousing

Escrow

Facilitating your business transactions

• Real estate escrow
• Commercial escrow
• Owner association/body corporate escrow
• Advisory, deposit/payment management, reconciliation and reporting services

Spot Trade

• Trade in more than 25 currencies
• Manage quick overseas or cross-currency payments or receivables

Forward Contracts

• A hedging tool with no upfront payment
• Pre-agreed rate and maturity date

Interest Rate Swap

• Exchange the future interest rate payments you make over a set period on loans or bonds
• Make no exchange of the principal

Structured Deposit

• Potential for higher returns compared to fixed deposits
• May be taken in ‘tranches’ with either a fixed offer period or available until the tranche is fully subscribed
• Returns depend on the performance of the underlying investment product

Dual Currency Deposits

• Combination of a cash or money market deposit with a foreign exchange option
• Capital and interest can be converted into an alternative currency
• Yield depends on several variables including currency pair, term, market interest rates and volatility of currencies used

Term Loans

• Support your short-term and long-term financing requirements
• Finance your real estate construction/projects
• Help you to manage your cashflow and grow your business
• Flexible terms and competitive interest rates
• Regular payments over a timescale that makes sense for your organisation

Mortgages

• Finance your real estate purchase or leverage your current real estate assets to inject cash into your business
• Home and office mortgage loans
• Loans against property

Vehicle Loans

• Cost-effective financing and loan options to improve your efficiency and performance
• Commercial vehicle loans, fleet financing loans and auto loans
• Construction equipment loans

Project finance

• Finance for your large-scale infrastructure or industrial projects
• Repayments based on the cash flow generated by your project
• Short-term and long-term financing plan, aligned with the nature of your project and the needs of your business

Mutual Funds

• Pools of funds collected from many investors for investment in stocks, bonds or other assets
• Own units in the fund, which is operated by a professional fund manager who aims to deliver capital gains and income for all the fund’s investors

Bonds

• Debt securities issued by governments, corporations or other institutions to raise funds
• Provide a steady flow of investment income, and potentially lower the overall portfolio risks

Sukuks

• Sukuk is a financial certificate that is Shari’ah compliant
• They represent an undivided ownership in an asset or a special investment activity

Structured Products

• Designed to achieve risk-return objectives that are not achievable with traditional investments
• Return on capital invested may be linked to the performance of an index, a “basket” of selected stocks, or other underlying traditional assets
• May also include an element of principal protection

Gold Savings Certificates

• For investment or as a gift, each certificate is valid for five years from the date of issue
• Sold in multiples of 300 grams (999 finesse) and 500 grams (995 finesse)
• Priced against the global spot market
• Can be redeemed against physical gold or the equivalent amount in cash at any time until maturity