Partnering with you to grow your agribusiness
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1 Partnering with you to grow your agribusiness BUSINESS BANKING
2 Our specialist approach Nedbank AgriBusiness devises and delivers tailored solutions for the agricultural industry. Our empowered regional teams include agricultural specialists. They provide guidance and support on all agriculture-related requests, and ensure continuity, accessibility, and quicker decisionmaking. Partnerships with leading academic institutions keep us abreast of the latest research developments and emerging trends in the industry. Our specialist industry knowledge is aligned to the needs of both the primary and secondary production of three main market sectors, namely: agronomy (eg grain, oil seeds, sugar, cotton, plants and flowers); horticulture (eg fruit, wine, vegetables and forestry); and livestock production (eg dairy, beef, poultry, aquaculture and game farming). Because we understand the variable and cyclical nature of agri businesses, we have tailored flexible and costeffective finance packages that specifically cater for these sectors. We match export and import needs with strong global transacting products and simplified risk-hedging instruments. We approach black economic empowerment (BEE) transactions with flexible solutions, underpinned by our support for enterprise development to ensure sustainable growth of black-owned agri-related businesses. 1
3 Lending solutions Our agricultural lending solutions include: Seasonal overdrafts and A current account with seasonal overdraft facilities or a short-term loan short-term agricultural caters for cashflow fluctuations, which are highly prevalent in the loans agriculture market. Agri-instalment sale We provide financing on all types of agricultural equipment and machinery agreement (eg tractors and farming implements) with flexible repayment options such as annual payments and extended repayment periods of up to 10 years, depending on life expectancy and depreciation. Agri Medium-term Loan Can be used for financing productive assets (eg breeding herds of cattle) or (AMTL) enhancing existing assets, and includes an option to withdraw surplus funds arising from excess payments. Agri Production Loan(APL) Finances production inputs such as maize, soya and wheat. The product takes into account seasonality, the need to hedge prices, as well as the necessity of crop insurance. Agri NedBond Nedbank AgriBusiness specialises in financing fixed property or capital improvements to fixed property. We offer flexible finance to buy or enhance fixed property, incorporating interest-only periods and repayment options up to 15 years. Agri debtor finance The administration of debtors can be costly and time-consuming. Our agri debtor management service will help maintain a constant cashflow, keep your administration costs down and reduce the risks associated with your debtor book. Agri trade finance Our creative approach to trade finance and interlinking risk control means you can optimise the risk-return relationship. Key components of our offering include: postimport financing; preexport financing; and discounting of bills. Specialised finance Nedbank AgriBusiness provides debt structuring for acquisitions, management and BEE buyouts and leveraged buy-ins. To promote enterprise development we can offer easier access to loan financing to black-owned businesses in the agricultural market. 2
4 Investment solutions Since every business has unique requirements for the management and investment of finances, we have various options to suit your short- and long-term business needs. Transactional banking solutions At the heart of our banking services is an optimal solution for all your transactional banking requirements. These are provided alongside the appropriate electronic delivery platforms to streamline processes and enhance the management of your working capital. Transactional products include current accounts, cash-handling solutions, global trade transactions, card products and electronic banking services. Our primary transactional banking offering includes: Global trade transactions Our advanced transaction-processing capabilities and an extensive distribution network, coupled with professional advisory and consultancy services, enable us to do far more than simply handle crossborder payments. Our key areas are integrated within the broader concept of foreign currency cash management and include: payments and clearing; customised trade solutions and mechanisms; liquidity management; and foreign exchange instruments. Grain-trading facility Nedbank AgriBusiness understands that grain producers are exposed to unpredictable, competitive markets. Through our Treasury Department we offer various tools that enable commercial farmers to properly manage the full spectrum of price risk. These services range from a simple minimum price contract with participation should the market strengthen, to highly complex derivative instruments to reduce the cost of hedging. Our treasury desk offers: forward contracts for maize, sunflower, soya beans and wheat; grain hedging; liquidity management; and management of the full spectrum of price risk. Business credit cards The Nedbank business credit card is shaped around your business s specific needs. It provides essential expense management, security and detailed monthly reporting. It can also be used for virtually all types of transactions (eg travel, entertainment and supplies) and is key to efficiently monitoring your routine business expenses. Card acquiring services Nedbank is the largest acquirer of card transactions in South Africa and offers its NedLink card acceptance machines to your business. Nedbank has relationships with all local transaction switches, which are backed up by a comprehensive 24/7 merchant helpline facility that uses the latest technology to attend to and track all queries. 3
5 NetBank Business (electronic banking) Cash-handling services NetBank Business, a secure and worldclass internet-based electronic banking system, enables you to: add, maintain and change beneficiaries online; make secure payments (eg salaries, wages and creditor payments); authorise transactions and functions (eg transfers, payments, beneficiaries and users); and enquire about foreign exchange rates and local money market trends. CashVault : An automated cash acceptance terminal that counts, validates and verifies cash before dropping it into a secure canister. Once the cash is securely in the canister, and extracted by an appointed cash-in-transit company, Nedbank will immediately credit the relevant accountholder s account with the value transmitted, thereby enhancing cashflow. 4
6 Value-added solutions At Nedbank AgriBusiness we understand that, when it comes to sustainable wealth creation, it is essential to focus not only on achieving business success but also on building business security. AgriPlus insurance Cover for crops Livestock and registered livestock cover Homeowner and building insurance Business financial planning Personal financial planning Offers a full range of flexible insurance products so you can enjoy policies tailormade according to your individual requirements. AgriPlus insurance complements Nedbank s holistic banking service. Personal cover and insurance for farming activities, livestock, and equipment are available. Cover is also available for: irrigation systems on wheels and centre-pivot systems; and public liability for commercial hunting and game viewing covering passengers on open-sided vehicles. Value-for-money crop insurance is obtained by prior arrangement with a thirdparty supplier. Crops are covered in the event of loss or damage that may be caused by wind, fire, hail, theft, drought and riots. AgriPlus insurance provides cover for death or impotence of registered livestock specified in the policy. Provided that clients comply with the new Fire Act, we offer cover to farmers and rural inhabitants of conventional farms against veld fires in normal conditions. Special cover is also available for sugar cane, plantations, bush and forests. Nedbank s financial planning specialists help business owners and operators to plan and build long-term wealth. Expert advice and assistance is offered in areas such as: contingent liability protection; keyperson cover; and employee benefits. Our specialists will help you to plan for the future and build personal long-term wealth. We offer expert advice on and assistance with the following: life and disability assurance; personal retirement planning; investment planning; estate planning; and offshore financial planning. 5
7 Enterprise development Our unique approach to enterprise development is complemented by business support and technical assistance programmes. These are designed to accommodate the ever-changing needs of the entrepreneur, whether they are starting up or expanding their existing operation. Where appropriate, we offer business mentorship and customised training solutions through leading accredited training institutes, and service providers. They will supplement your skills and experience in order to enhance your ability to run your business effectively. Our enterprise development initiatives also include agriculture seminars and workshops held throughout the country each year. These provide useful information on topics such as: legislation; BEE; business and financial management; and changes and trends within the agriculture economy. To find out more about how Nedbank AgriBusiness can help you please contact your local business banker or 6
8 Web: Disclaimer This communication has been prepared solely for information purposes. It is strongly recommended that appropriate professional advice be sought before acting on any information contained herein. While every care has been taken in preparing this communication, no representation, guarantee, warranty or undertaking, expressed or implied, is given as to the accuracy or completeness of the information or representations. All information contained herein is subject to change after publication, at any time, without notice. The past performance of any investment product is not an indication of future performance. Nedbank Ltd Reg No 1951/000009/06, 135 Rivonia Road, Sandown, Sandton, 2196, South Africa. We subscribe to the Code of Banking Practice of The Banking Association South Africa and, for unresolved disputes, support resolution through the Ombudsman for Banking Services. We are an authorised financial services provider. We are a registered credit provider in terms of the National Credit Act (NCR Reg No NCRCP16). Published December 2010
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