Solutions for Sellers

Transcription

Solutions for Sellers
Corporate and
Investment Banking
Open Account Trade and Supply
Chain Financing – Solutions for Sellers
Solutions for Sellers
Standard Bank – your trade partner in, for and across Africa
Open Account Trade and
Supply Chain Financing
If all sales were settled on a cash basis, receivables
management would be easy. But the reality is that a
significant part of your sales could be made on credit terms.
As such, you inevitably have to deal with the impact of
receivables on profitability, liquidity and productivity.
With over 150 years experience, Standard Bank
understands the need of businesses to effectively manage
receivables due to their impact on:
Profitability – in optimising pricing, credit terms and
profitable sales; de-risking your balance sheet and
improving credit monitoring; and reducing cash
collection costs.
Liquidity – in accelerating cash flow and providing certainty
around working capital.
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Solutions for Sellers
Productivity – in improving billing, collections and
reconciliations; and improving balance sheet ratios, credit
rating and share price.
Standard Bank can provide you with working solutions to
drive efficiency in your working capital management.
Export Invoice Financing or Invoice
Discounting
Standard Bank provides short-term finance against copies
of commercial invoices drawn to settle open account trade.
This accelerates cash flows and improves your liquidity.
This solution can be structured with or without recourse to
you. When a ‘without recourse’ structure is provided, the
bank will make limits on your buyer.
2. Drawdown request, commercial
invoice and evidence of shipment
Seller
Buyer’s
bank
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Buyer
1. Deliver goods and
commercial invoices/
evidence of shipment
1. Seller delivers goods and invoices the buyer
2. Seller requests a drawdown on invoice finance facility
with Standard Bank by submitting copies of commercial
invoice and proof of shipment
3. Standard Bank draws down on loan and makes payment
to seller’s account with Standard Bank
4. On maturity, the loan is settled from proceeds of sale.
Receivables Discounting
This involves the purchase of invoices or bills raised by
you on approved buyers. In consideration of this purchase,
Standard Bank will fund, prepay and/or discount the
qualifying invoices or bills. We rely on the quality of the
book to support this financing structure.
As with discounting, this solution improves liquidity through
accelerated cash flows, and allows for better matching to
working capital requirements due to timing flexibility. It
also enhances collection support by leveraging on Standard
Bank’s extensive network and supports sales ledger
administration with timely and comprehensive management
information system reports.
Balance sheet efficiency is enhanced and risk is mitigated
against default or insolvency of the buyer and associated
country risk.
3. Buyers pays directly to seller’s
nominated account
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Solutions for Sellers
The transaction process for Receivables Discounting
Ongoing contract of purchase and sale between the supplier and buyer
1. The buyer places a purchase order
2. Pro forma invoice is sent to the buyer
Supplier
Buyer
7. The supplier presents receivables
schedule and request to discount
to Standard Bank
3. Goods are shipped and the invoices are presented to the buyer
4. Buyer provides accepted disounting request to supplier.
1. Qualifying receivables are purchased by Standard Bank
through the receivables purchase agreement after
appropriate due diligence and structuring of the facility
5. The discounted funds
are paid to the
supplier on day 1
2. Our customer, as the supplier, continues to trade as
usual and invoices various buyers
Buyer’s
bank
6. The full valie of the invoice is paid to Standard Bank at maturity date
4. On the due date, the buyers pay directly to a
controlled account in Standard Bank
Transaction
initiation
Discount date
Time
1
3. Customer requests for drawdown against qualifying
debtors/buyers. Standard Bank advances up to 90% of
invoice value and credits the seller
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5. The balance off the invoice is paid to our customer on
settling its obligations.
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5
R
R0
Cost borne by
the suppliers
R95
A
R100
Why Standard Bank?
With over 150 years’ experience, representation in 19
countries in Africa and key financial centres, Standard Bank
is best equipped to connect your company to Africa and to
the world.
We have a comprehensive product range of trade and
cash management products to ensure your working
capital requirements are met. Due to regional and incountry regulations, there may be differences in offerings
across geographies. Please Contact your Standard Bank
Relationship Team to help you navigate complex regulatory
environments and provide the best solutions for your needs.
Our Africa footprint and local expertise ensure that your
business can enjoy market insights and end-to-end
solutions.
With a track record of delivery and convenient access to
up-to-date technology and a dedicated workforce, we
service your needs through robust channels and extensive
correspondent networks.
An award-winning trade finance team.
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Solutions
Private
for Sellers
Equity
Connecting Africa and the world
Standard Bank Group Awards and Rankings 2012 – 2014
African Investor 2013
•Bank of the Year
African Banker 2013
•
Deal of the Year: Umeme IPO
•
Fixed Income Deal of the Year: Ghana
Seawater Desalination Project
•
Overall ranking: 12
•
Clean-Energy Investments ranking: 17
•
Reducing Environmental Impact
ranking: 15
•
Best Global Origination Firm – Kyoto Credits.
Bloomberg – The World's Top 20 Green
Banks 2012
Environmental Finance
emeafinance Achievement Awards 2012
Presence in pools of capital in deveoped markets.
Presence in selected emerging markets.
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•
Best syndicated loan house in Africa
•
Best sovereign syndicated loan in Kenya
•
Best supranational syndicated loan: Afreximbank
•
Best M&A house in Africa
•
Best M&A deal in Africa: Tiger Brands buys Dangote Flour Mills •
Best corporate bond in CEE: Mongolian Mining Corporation
•
Best corporate bond in Africa: JD Group
•
Best local currency bond (shared): Lagos State Government
•
Best IPO in Africa 2012: Umeme Limited
•
Best follow-on funding in Africa: Flour Mills of Nigeria
•
Best securtisation house in Africa
•
Best securitisation deal in EMEA: SA Home Loans
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Solutions for Sellers
Standard Bank Group Awards and Rankings 2012 – 2014
emeafinance African Banking 2013
•
Best Investment Bank in Africa
•
Best Investment Bank in Angola
•
Best Investment Bank in Ghana
•
Best Investment Bank in Kenya
•
Best Investment Bank in Namibia
•
Best Bank in South Africa
•
Best Investment Bank in South Africa
•
Best Investment Bank in Tanzania
•
Best Investment Bank in Uganda
•
Best Broker in Nigeria
•
Best Asset Manager in Nigeria
Global Finance World’s Best
Sub-Custodian Banks 2013
•
Best Subcustodian in Nigeria, Stanbic IBTC Bank
Global Investor 2013
•
Best Sub-Custodian of the Year, South Africa
Global Trade Review 2012
•
Best Deal: African Minerals Limited Export
GTR Africa Leaders in Trade 2013
•
Best local trade finance bank in Sub-Saharan
Africa (overall): Standard Bank
•
Best local trade finance bank in East Africa:
Stanbic/Standard Bank
•
Best local trade finance bank in the DRC:
Stanbic
•
Best local trade finance bank in South Africa:
Standard Bank
GTR Leaders in Trade 2013
•
Best Trade Bank in Sub-Saharan Africa
Newsweek 2012
•
Standard Bank ranked as South Africa’s
greenest company
emeafinance Project Finance 2012
•
Best project finance house in Africa
•
Best natural resources deal in EMEA: Konkola Deep Mining Project, Zambia
•
Best natural resources deal in Africa: Sephaku cement project, South Africa
•
Best PPP deal in EMEA: The Eurasia Tunnel, Turkey
•
Best telecoms deal in EMEA: MTN Ghana's network expansion
•
Best water deal in Africa: Desalination plant, Ghana
emeafinance Treasury Service 2013
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•
Best treasury services in Africa
•
Best transactional bank for financial
institutions in Africa
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Solutions for Sellers
Standard Bank Group Awards and Rankings 2012 – 2014
PMR.africa 2013
•
Project Finance Deals
of the Year 2012
•
PWC survey 2013 - ranked1st
•
Corporate Banking in South Africa
•
Foreign Exchange Trading in South Africa
•
Commodities Trading in South Africa
•
•
Risk South Africa 2013 – ranked 1st
Risk Awards 2014
Sunday Times/TNS Top Brands survey
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Diamond Arrow (highest ranking) award
in the PMR South African survey of
corporate users of foreign exchange
African Mining Deal of the Year:
Konkola Copper
Electronic Banking – wholesale in
South Africa
Euromoney
Awards of Excellence 2013
•
Best Investment Bank in Africa
•
Best Bank in South Africa
•
Best Risk Adviser in Africa
•
Best Equity House in Africa
Euromoney Deals of the Year 2012
•
Deal of the Year Award: Joint bookrunner
for Namibia’s debut USD500 million
Eurobond
Euromoney’s Real Estate Survey
2013 – ranked 1st
•
Overall in Nigeria
•
Loan Finance in Nigeria
•
Equity Finance in Nigeria
•
Debt Capital Markets in Nigeria
•
M&A Advisory in Nigeria
•
Overall in South Africa
•
Loan Finance in South Africa
•
Best overall research: Economics in
Sub-Saharan Africa
•
Best construction/cement research
in Sub-Saharan Africa
•
Best oil/gas/chemicals/
petrochemicals research
•
Best property/real estate research
FX Week Best Bank Awards 2013
•
Best Bank for South African Rand
The FT/IFC Sustainable
Finance Awards 2013
•
Sustainable Bank of the Year, Africa
and the Middle East
Trade Finance in South Africa
Sub-Saharan Non-Rand Products in the
following Asset Classes:
•
Interest Rate products
•
Foreign Exchange products
•
Equity products
•
Global Emerging Markets Dealer of
the Year
•
Ranked number 1 in the consumer
banking category in South Africa
Euromoney Annual
Africa Research Poll 2013
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Solutions for Sellers
Forbes Global Top 500
Banking Brands 2013
•
The most valuable banking brand in Africa
FM Top Companies 2013
•
Standard Bank Group Ltd has ranked in the
Top 10 ‘South African Giants’
Global Finance World’s
Best Investment Banks 2013
Global Finance World’s
Best Emerging Markets
Banks 2013
Global Finance World’s Best
FX Providers 2014
Global Finance World’s Best Trade
Finance Banks 2014
Global Finance World’s Best Treasury &
Cash Management Providers 2014
•
Best Investment Bank in South Africa
•
Best Investment Bank in Angola
•
Best Bank in the DRC
•
Best Bank in Namibia
•
Best Bank in South Africa
•
Best Bank in Uganda
•
Best FX Provider in Africa
•
Country awards for Best FX Provider in Kenya,
Nigeria (Stanbic IBTC), Botswana, Zambia and
South Africa
•
•
Best Overall Bank for Cash Management
in Africa
•
Best Bank for Liquidity Management in Africa
•
Best Provider of Money Market
Funds in Africa
•
Global Finance World’s Best
Sub-Custodian Banks 2014
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Best Trade Finance Bank in Africa and
South Africa
The Banker
Deals of the Year for Africa
2013
•
Structured Finance: Skye Bank
•
Real Estate Finance Alice Lane
•
M&A: Tiger Brands
•
Equities Lonmin rights issue
The Banker Top 500 Bank
Brand 2013
•
Ranked number 1 Bank Brand in South Africa
and Africa
The Imbasa Yegolide Awards 2013
•
Custodian of the Year, South Africa,
Standard Bank Investor Services
Trade Finance Awards for
Excellence 2013
•
Best trade bank in sub-Saharan Africa
•
Best South African trade bank
Trade Finance Deals of the Year
Awards 2013
•
Deal of the Year, Tonkolili
•
Deal of the Year, Maurel and Prom
Trade & Forfaiting Review 2012
•
Commercial Deal of the Year:
Export Trading Group deal
Treasury Management
International 2013
•
Best Risk Management, Africa
•
Best Cash Management, Africa
World Finance Magazine 2013
•
Greenfield Deal of the Year – Kwale
International Sugar Company Limited (“Kiscol”)
Best Bank for Payments & Collections in Africa
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Solutions for Sellers
Contact us
FM Top Companies 2013
•
Standard Bank Group Ltd has ranked in the
Top 10 ‘South African Giants’
Global Finance World’s
Best Investment Banks 2013
•
Best Investment Bank in South Africa
•
Best Investment Bank in Angola
Global Finance World’s
Best Emerging Markets
Banks 2013
•
Best Bank in the DRC
•
Best Bank in Namibia
•
Best Bank in South Africa
•
Best Bank in Uganda
Global Finance World’s Best
FX Providers 2014
•
Best FX Provider in Africa
•
Country awards for Best FX Provider in Kenya,
Nigeria (Stanbic IBTC), Botswana, Zambia and
South Africa
Global Finance World’s Best Trade
Finance Banks 2014
•
Best Trade Finance Bank in Africa and
South Africa
Global Finance World’s Best Treasury and
Cash Management Providers 2014
•
Best Overall Bank for Cash Management
in Africa
•
Best Bank for Liquidity Management in Africa
•
Best Provider of Money Market
Funds in Africa
•
Best Bank for Payments & Collections in Africa
•
Best sub-custodian in South Africa and
Global Investor
Contact us for information on international trade services in,
for and across Africa. For further information on any
of our products and services, contact:
Your nearest Standard Bank International Trade Services
office Telephone: 0860iTrade/0860 487 233
Visit our website at www.standardbank.co.za
(select Corporate and Institutions, click on Products
and Services, and click on International Trade Services
under Transactional Services)
Nigeria (2013)
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Authorised financial services and registered credit provider (NCRCP15)
The Standard Bank of South Africa Limited (Registered Bank) Reg. No. 1962/000738/06 SBSA 186905-8/14
Disclaimer
This document has been prepared solely for information purposes by The Standard Bank of South Africa Limited, acting through its Corporate and Investment Bank Division (“SBSA”). Any
indicative terms provided to you are provided for your information and do not constitute an offer, a solicitation of an offer, invitation to acquire any security or to enter into any agreement,
or any advice or recommendation to conclude any transaction (whether on the indicative terms or otherwise). Any information, indicative price quotations, disclosure materials or analyses
provided to you have been prepared on assumptions and parameters that reflect good faith determinations by us or that have been expressly specified by you and do not constitute advice by
us and it should not be relied upon as such. The information, assumptions and parameters used are not the only ones that might reasonably have been selected and therefore no guarantee is
given as to the accuracy, completeness, or reasonableness of any such information, quotations, disclosure or analyses. No representation or warranty is made that any indicative performance
or return indicated will be achieved in the future. This document is not an official confirmation of terms, and any transaction that may be concluded pursuant to this document shall be
in terms of and confirmed by the signing of appropriate documentation, on terms to be agreed between the parties. The information in the document is also subject to change without
notice. SBSA, or an associated company, may have effected or may effect transactions for its own account in any investment outlined in the document or any investment related to such an
investment. Prospective investors should obtain independent advice in respect of any product detailed in this document, as SBSA provides no investment, tax or legal advice and makes no
representation or warranty about the suitability of a product for a particular client or circumstance. Transactions described in this material may give rise to substantial risk and are not suitable
for all investors. SBSA will only provide investment advice if specifically agreed to by SBSA in appropriate documentation, signed by SBSA. This information is to be used at your own risks, and
SBSA makes no representation with regards to the correctness of the information herein.
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