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We offer a complete suite of Commercial Banking products and services across Asia. We understand your desire for a fast turn-around, flexible bank services, and innovative products that drive business growth. Our solutions are designed to enhance security and reduce operating costs by boosting efficiency and cash flow. Utilise our expertise in cross-border trade and supply chain management to help you gain control of your trade, cash and payments processes around the world. Working for You
Put our local knowledge to use. Our industry-savvy relationship managers act in your company's best interests and provide timely and innovative products to meet your business needs. With over 110,000 people in 60 countries around the world, at 4,500 branches and offices, we draw on our network to provide solutions that are designed to help you achieve your business goals. Our top-rated Cash Management, Trade, Treasury / Financial Markets and Asset Based Finance products not only makes managing your business simple, but also helps you do business around the world. Let our experience and network help you to grow your business locally, regionally, and globally. Cash Management
Businesses today need rapid and reliable information to help monitor risk and exposure accurately. Efficient cash management processes are required to execute payment, collect receivables and manage liquidity in different markets. A strong and safe cash management tool is essential to execute your company's financial strategy. However big your business, our network of local relationship managers and product experts will work with you to meet your unique business needs and enhance your competitive advantage. Manage your cash flow anytime, anywhere through our secure site, Access Online. | Integrated Cash Management Services | | Product/ Services | Payments | Collections |
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| Cash Management | - Cash Withdrawal
- Bank Draft
- Cheque
| - Cash Deposit
- Bank Draft
- Cheque
- Direct Debit
| | Delivery Channel | - Commercial Banking Online
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Trade Services and Supply Chain
Our trade products are one of the most comprehensive in the world. Our commitment to product development and customer service is in synergy with our aim to help businesses achieve best possible results. We have a track record in helping businesses reengineer inefficient processes to improve the flow of cash and financial information. Winner of multiple consecutive international awards, MaxTrad - the Bank's online trade finance, is the best in the world. With RBS as your bank, you and your business partners can be assured of a consistent standard of service. By dealing with us at both ends of the supply chain, you enable faster processing, quicker resolution of discrepancies and more transparent flows. Commercial Banking offers simple end-to-end solutions that help optimise your working capital.
 
  | Trade Services |
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| Product/ Services | Import | Export | | Documentary Credit | - Issuance and amendments of Letter of Credit (LC)
- Special credit, e.g. Back to Back LC.
| - Advising and Negotiation of LC
- Re-Imbursement Undertaking
- LC confirmation
| | Documentary Collections | - Documents against Acceptance (DA),
- Documents against Payments (DP)
| - Documents against Acceptance (DA),
- Documents against Payments (DP)
| | Others | - Pre/Post Export Financing
- Guarantees / Standby LC
| | Delivery Channel | - Commercial Banking Online
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Treasury / Financial Markets
Volatility of currency exchange rates, variations of the interest rate, and developments on the energy and commodity markets can have a significant impact on the financial outcome of companies. As an active player in international treasury and financial markets, Commercial Banking has a wide range of leading financial instruments and the right assessment tools to limit your business risk and optimize your returns. Combining the finest financial advisory from our treasury and financial markets with the in-depth knowledge of your dedicated relationship manager, Commercial Banking provides you with the best solution to ensure efficient financial management. We offer: - Foreign Currency Deposits
- Spot & Forward Exchange
Fund Based Financing & Products
Our Commercial Banking operation offers wide range of facilities for trading, manufacturing and service related concerns of Small and Medium Enterprises, retail and commercial sectors. Our vast range of products and services are designed to drive your business to the highest level of success. Keeping in view your business needs we make a conscious effort to help your business grow by providing you the most suitable solutions. Furthermore, Commercial Banking also has a team of specialists for the Agricultural sector financing. The focus is on seasonal and medium term financing/requirement for seeds, fertilizers, insecticides, traders, tractors, tube wells, threshers etc.
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| Product | Features |
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| Running Finance (RF) | Overdraft on current account with revolving line of credit for short term loans. Utilization on need basis (as and when required) and mark up is calculated on amount outstanding. | | Cash Finance (CF) | Finance against pledge of stocks of commodities, products etc. It is almost identical to Running Finance with exception in possession of pledged goods | | Demand Finance (DF) | Short Term (Max 12 Months). Loan is repayable in lump sum at maturity or in installments as per agreed schedule. DF is allowed for a specific purpose for a fixed amount and period | | Term Finance (TF) | Medium to long term financing. Similar to Demand Finance with exception of repayment in installments as per agreed schedule rather than full payment | | Finance Against Imported Merchandise (FIM) | Loan against goods imported through the bank | | Finance Against Trust Receipt(FATR) | Loan against goods imported through the bank and goods released against trust receipts | | Local Bill Discounting(LBD) | Loans given by discounting the domestic supply bills | | Asset Base Financing(LBD) | *100% financing, Less restrictive finacing, **Flexible financing, Convert assets to cash etc |
* terms and conditions on the type of equipment acquired apply
** contact us for a full list of asset categories
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