Investor Presentaiton
The value of trade to our customers
Key Product
Clients needs.....
...and benefit to client
Documentary
Trade
Buyer (defer payment) & Supplier (early payment) conflicting
needs
Bank's undertaking to pay the supplier if they have shipped in
accordance to the buyers requirements
Managed by routing of title documents through Bank
Supplier is assured of payment and can receive upfront
discounted proceeds
Buyer is assured that goods are as per their requirement
and can defer payment terms
Trade Loans
Facility that bridges working capital gaps and are tailored to
the clients working capital cycle
Often self-liquidating structures
Provides competitive pricing (better capital treatment
and shorter tenor)
Incremental credit outlay
Guarantees
Clients need to provide comfort to beneficiary in relation to
performance
An unconditional undertaking to pay upon demand by the
beneficiary in the event of non-performance
Critical to client's operations and fundamental to projects
and infrastructure.
Helps clients cash position, as they are often in lieu of
deposits
Receivables
Finance
Clients need to improve cashflow without impacting balance
sheet
Purchase of receivables, we then seek payment from
Buyers.
Clients can use their generic working capital facilities for
other purposes
Ledger management services to improve clients A/R
process
Supply Chain
Finance
HSBC discount approved invoices from the buyer and
release early payment to the Supplier (payment risk on the
buyer)
Buyer can extend payment terms without impacting their
working capital and deepen supplier relationships
Supplier benefits from competitive pricing
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