Only by combining all the right elements do you get the best investment results.
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1 Only by combining all the right elements do you get the best investment results. BUSINESS BANKING
2 1
3 Nedbank Business Banking offers a full range of financial and advisory services to large and medium-sized companies and public sector organisations with an annual turnover of R7,5 million to R400 million. We also offer specialised expertise to the agricultural, franchising, tourism, legal and accounting sectors, which have particular needs and challenges that we are well placed to meet. The value proposition is centred on a single point of accountability for the client relationship and service delivery through fully empowered regionally based entities. The business banker acts as the primary point of contact for all your banking needs and provides you with specific solutions relating to investment, lending, cash deposit-taking, transactional banking, debt structuring, factoring, and vehicle and asset finance. Solutions are tailored according to a detailed understanding of your business and are not only unique, but also appropriate for each business. Specialist areas throughout the bank, such as the investment management area, support each of the regional businesses and within each team there are administration, service and business managers, ensuring relationship continuity. In addition to individual attention, extensive specialist resources are available to you. 2
4 One of the major determining factors of the success of a business is the ability to manage short-, medium- and long-term cashflows associated with its working capital cycles. The good news is that medium to large companies are now able to manage their liquidity more effectively and efficiently with Nedbank Business Banking. When managing cashflows, it is critical that companies optimise the interest impact of their liquidity by either reducing the interest paid when borrowing funds or increasing interest earned when depositing surplus funds. We offer you a complete investment solution for the appropriate management of your surplus funds in accordance with your working-capital and liquidity requirements. We would like to make it easier for you to manage these funds efficiently to ensure that they are always productive. We understand your working-capital and liquidity needs and we have dedicated people to offer the appropriate investment advice and support based on your unique circumstances. Our client service teams also include an investment portfolio manager, who will operate in your local area of business and who has the knowledge and expertise to assist you with your investment requirements. Our investment centres in Cape Town, Durban and Johannesburg will allow you to engage directly with a knowledgeable investment manager. This will make the processing and settlement of investment transactions more efficient, as all investment transactions will be executed directly with the investment manager according to the mandate held. 3
5 How investment management works Account opened in the name of your business. Client Specialists using their expertise to customise client-specific pricing principles and who process investments and settlements, making transactions more efficient. Qualified individuals who offer investment advice with an understanding of your industry and cashflow cycles. Investment management centre Portfolio manager Call deposit Term deposit Customised cashflow solutions Investment specialists will offer a selection of products based on your own cashflow projections and interest rate view. Call deposits No minimum capital amount is required, but interest rates are subject to change according to market forces. Interest earned can be paid on a monthly basis to a nominated account of your choice (no third-party accounts), or capitalised on the investment. Funds are available on demand and no notice is required to deposit into/withdraw from this account. When utilising the electronic funds transfer option, a minimum of R10 000,00 is to be retained in the call account. 4
6 Term deposits No minimum capital amount is required, but the interest rate and capital amount are fixed for the life of the investment. On maturity a new rate and investment period are negotiated, and you may reinvest for a further term, or decide to withdraw the investment. No transactions are allowed on this account during the life thereof. Rates can be quoted on a nominal annual compounded monthly basis or on a term-effective basis. Customised cashflow solutions A number of customised cashflow solutions are offered depending on your unique requirements. Variable-access deposits allow you access to a portion of your deposit at any time during the investment this may be redeposited at any time. You may add or withdraw from the deposit without penalties. Other solutions offer a fixed rate for a fixed investment period with an option to withdraw on your investment without incurring any penalty fees or change in interest rate, making it an ideal way to manage uncertain working capital flows. 5
7 Corporate Saver Corporate Saver is a userfriendly internet-based administration system for intermediaries who have a need to manage money on behalf of their clients. A primary benefit of the system is that it brings efficiencies to the intermediary s business and presents an opportunity for additional revenue. This innovative system links individual client accounts to the intermediary. Corporate Saver enables the intermediaries to access and transact on their clients account through the internet. Corporate Saver brings Nedbank to your office. Intermediaries are able to perform a broad range of banking transactions. The following are the types of third-party funds held in Corporate Saver: Trust investments Administration of estates Insolvencies Property guarantee funds Investment deposits When it comes to investing, consideration of only price is not always the best option. To make the most appropriate investment decision there are a host of other factors, including market conditions and, not least of all, business requirements. By choosing Nedbank Business Banking to partner with you will mean that you consistently make the right decision and so ensure that you will get a consistently good deal. The investment management offering is for all clients even if the primary current account is not with Nedbank yet. To find out how Nedbank can help you manage your liquidity optimally us at business@nedbank.co.za or visit our website at 6
8 Nedbank Corporate Headoffice 135 Rivonia Road Sandown Sandton 2196 PO Box 1144 Johannesburg 2000 Tel: +27 (0) Website: 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 October 2011
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