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About us

We offer a broad range of financial services to multinational corporations, medium-sized international companies doing cross-border business with Romania, and local companies with growth potential. We can support your needs, whether you are a domestic business or an international company trading in Romania.

RBS has an extensive global presence and strong relationships with corporations, financial institutions and governments in Europe, North America and Asia Pacific. We bring considerable strength in equities, corporate finance/advisory, emerging markets and transaction banking (cash management and trade finance).

In Romania, we have operations in:

Bucharest
Cluj-Napoca
Timişoara
Braşov
Ploieşti
Constanţa
Arad
Sibiu
Piteşti
Craiova
Oradea
Bacău
Galaţi
Iaşi
Târgu-Mureş

Our specialist sector knowledge and a strong local presence put us in an ideal position to advise clients and to offer excellent banking services.

Products and services

Products & services

Our thorough understanding of the Romanian market and our expertise in financial markets place us in an ideal position to advise clients, and offer them excellent banking services.

For our commercial clients, we offer global transactions, treasury services and lending products. Our knowledge and capabilities provide corporations and financial institutions with specialist advice on debt and equity capital markets.

Our products include:

Treasury services
Transaction services
Credit portfolio management
Bonds
Equities
Investor products

Treasury services

We offer regular, up-to-date market information on specific financial products. Your dedicated contact within our Financial Markets Distribution area can offer immediate support and advice on:

Concluding transactions in the financial markets
Forecasts for interest and exchange rates
Strategies for managing your exposure to risk
Market trends and sensitivity
Products developed to fit your cash-flow position

On 28 April 2009, RBS Romania became the first bank in Romania authorised to act as a market maker for futures contracts on the derivatives market at the Bucharest Stock Exchange (BSE). Market makers act as liquidity providers in the market. Futures contracts are quoted on the BSE and are available to all, including clients who don't usually have access to the over-the-counter market.

Find out more at www.bvb.ro/derivatives or call 021 307 95 15 or 021 315 73 12.

Product range

Foreign exchange

Foreign exchange transactions – competitive foreign exchange rates for both RON versus FCY and FCY versus FCY trades
Foreign exchange limit orders that can be traded 24 hours, seven days a week
Forwards – sharp forward rates for both RON versus FCY and FCYversus FCY
Foreign currency swaps
Foreign exchange options and zero-cost structures to protect against adverse foreign exchange movement.

Money market

Automatic overnight deposit on your end-of-day balances
Time deposits with standard and non-standard tenors, tailored for each client
Forward-forward rates – future deposit rates can be quoted, with predetermined amounts, value date and maturity date
Yield-enhancement products for different currencies
All foreign exchange and money market instructions can be placed by telephone with no written instructions required to confirm the trade

Fixed income

Through our dedicated Fixed Income desk we offer access to, and regular updates on the fixed income market (T-Bills, and primary and secondary bonds).

Benefits of the secondary market for your company:

Diversified portfolio
Sharp prices and high-quality portfolios
No commission or fees
Low risk instruments (T-Bills and bonds issued by the Romanian government).

Research products

Our research on credit, foreign exchange and interest rates, plus opinions on the latest economic and financial market-related developments are available in daily, weekly and monthly periodicals, as well as one-off publications, such as trade ideas and macroeconomic presentations at client meetings.

Product innovation

E-commerce: Dealstation

User-friendly access and real-time trading in the foreign exchange and money markets. The benefits derived from using this system are significant:

Transparent pricing
Control over timing of initiation and execution of trades
Speed and simplicity in trading
Easy reporting on all deals closed with RBS, using our database records
Advisory, online chat
Security of information
E-Desk offering technical support and advice
LOMS (Limit Order Management System) is a facility offered by Dealstation allowing clients to submit sell and buy orders that will track a certain exchange rate and automatically submit the transaction once a preset level is reached.

Derivative products

With 24-hour access to the most liquid markets, and our ability to use our international network means we can provide complete solutions for clients in foreign-exchange, interest rates and commodities, for both their assets and liabilities.

Benefits of using derivatives:

Allows greater risk control, with smaller cash requirements and usually lower transaction costs and credit exposure/usage
Reduces volatility, and alters the nature of the risk with no change to the normal transactions of the business
Balance-sheet and cash flow hedging (that is, future sales and purchases, loans)

Benefits of trading with us:

A fixed guaranteed rate (foreign exchange rate or interest rate)
A minimum and maximum rate (foreign exchange rate or interest rate) with limited participation to profit if the market moves in your favour
A minimum and maximum rate (foreign exchange rate or interest rate) with unlimited participation to profit if the market moves in your favour
A better foreign exchange or interest rate than the market level

Excess cash

Benefits of trading with us:

An interest rate higher than the market level, determined by the performance of different asset classes
Principal protection can be 100% or less, depending on client risk profile.

Commodities market

Recent developments and high volatility in the prices of most commodities have revealed a need to hedge against negative price movements. We offer clients a wide range of hedging products in the following areas, precious metals (gold, silver, platinum, palladium and rhodium).

Training

We organise continuous training sessions for current and prospective clients, providing in-depth analysis on the new generation of carbon trading products, enabling your company to fully benefit from the opportunities they afford.

Transaction services

At RBS, we create complete solutions that integrate elements of our award-winning products to meet varied client demands. We combine our banking expertise, technology and local presence to help you achieve the best balance of risk and efficiency.

Product range

Payments

We deliver integrated physical and electronic payment solutions for all transaction types. Our business charge cards and real-time, urgent, standard and intra-company payments offer you greater control and reduced costs.

We offer:

Domestic payments (including tax, payroll and pension)
International payments
Salary payments via a dedicated payroll account or one payables account

Collections

By streamlining and accelerating your collections cycle, you can reduce your days sales outstanding ratio (DSO), then put the cash unlocked to better use, such as reducing your internal and external financing costs, or funding business growth.

Our integrated collection solutions for all transaction types significantly improve your DSO ratio, enhance workflow management and reduce costs through:

Efficient collection and reporting of multicurrency receivables
Increased automation
An extensive branch network and electronic reporting to provide local access and regional controls

Receivables

As well as cheque collection, electronic collection and accounts receivable services, our solutions for receivables management include:

Complete management of accounts held with state treasury
Direct debits

Access Online Romania

Our internet-based system, Access Online Romania improves your business efficiency by putting you in control of cash management processes via a single, secure login.

Benefits:

Simple set-up process
Knowledgeable help desk in Bucharest
Intra-day messaging, enabling cash flow reporting and optimised treasury management
Payment validation at time of input, increasing straight-through processing

Liquidity management

Cash pooling (both intra-day and end of day)
Automated global balance transfer
Shadow reporting of inter-company loan balances
Notional pooling (single and multi currency)
Automated multi-currency conversion
Multi-bank cash concentration

Corporate cards

Corporate credit cards – recommended for business travel and expenses paid from your company's accounts. We offer standard and gold corporate credit cards with flexible credit limits, issued in EUR, USD or RON.
Corporate Debit Cards – recommended for daily allowances, travel expenses and petty-cash expenses. Cards are issued in EUR, USD or RON under the company sub-accounts, opened for nominated individual staff members.

Trade and supply chain financing

Our solutions range from the traditional trade products that underpin international trade – such as letters of credit – to the financing of supply chains and purchase order management. We are able to deliver regional and global trade finance solutions that can help you maximise returns from trade assets and support your sales efforts to develop new markets.

MaxTrad ®

We offer guarantees, letters of credit and documentary collection transactions via our online trade system, MaxTrad®. This award-winning system streamlines importers' and exporters' settlements, improving supply-chain efficiency and relieving pressure points in the trade cycle.

For buyers and sellers, MaxTrad® offers integrated risk mitigation, settlements, guarantee issuance and information solutions via a secure single-point of access.

Benefits:

Email alerts, informing you of upcoming expiry of letters of credit or guarantees
Access to our database for reporting
Real-time transaction status
User-friendly set-up and operation

Credit portfolio management

Our team of professionals is dedicated to providing corporate lending services with a focus on innovative structures, custom-tailoring every transaction to meet your individual requirements.

Our Credit Portfolio team works closely with our branch network to provide an outstanding service in the business sectors we serve, based on a solid understanding of the complexities of corporate business.

Credit markets

We provided working capital financing, through products such as:

Current account overdrafts
Short-term loans used in the form of fixed-term drawings
Borrowing base short-term lending

We provide medium- and long-term financing for investment purposes, through products such as:

Medium- and long-term loans
Bridge loans
Syndicated or club loans
Bonds

We provide trade finance facilities (in co-operation with our Global Trade & Advisory division), through products such as:

Documentary credit facilities (such as Letter of guarantee and Letters of credit issuance facilities)
Receivables purchase facilities
Pre-export financing
Bills discounting

We offer flexible, tailor-made financial solutions, which are responsive to our customers' financing needs. These include multi-currency, multi-product facilities (such as general banking facilities to be used under forms of working capital finance, and trade finance products).

The availability of products depends on each customer’s operational and financial performance, and their risk profile. It is subject to satisfactory completion of all due diligence: you will need to obtain all necessary approvals and positive advice from the bank's credit committees and legal counsel.

Syndicated loans

We operate in International and local markets. Our integrated, single-origination, structuring and euro distribution platform gives us an advantage over competitors who are primarily based in London and Frankfurt.

Bonds

RBS Romania specialises in offering bond origination services, bringing new ideas to the domestic capital market and developing tailor-made solutions for each client. Our services are provided onshore and offshore.

Onshore

Origination

We help clients find financing solutions, advising them on the bond issuing procedure and providing high-quality trading services, including debt instruments. These debt instruments are placed on the local or foreign market through our local distribution force.

Our team's experience means our issuers trust us to advise them on the appropriate strategy and guide them through the often complex process of achieving a broadly distributed and optimally executed debut transaction.

Trading

Investing in bonds can help clients diversify their portfolio into products that carry lower risk. We offer brokerage services to help our clients benefit from the changing market value of bonds.

Offshore

Trading on the secondary market for bonds

RBS is one of the world’s most important participants in the primary and on the secondary markets.

Information on EIB transactions

Prospectus
Account details form (please contact aabcustody.ro@rbs.com)

Equities

Onshore trading

We provide equity brokerage services for both resident and non-resident clients, providing them with an opportunity to diversify their portfolios by making investments on the Bucharest Stock Exchange (BSE).

The BSE is the engine of the Romanian capital market, with almost 2,000 companies listed. The market has experienced extraordinary growth, and there is confidence that the gap between Central European countries and Romania can be closed in the coming years.

Initial public offerings (IPO)

The BSE has become an interesting option for companies searching for alternative ways of financing their activities. Investors in the Romanian capital market expect new IPOs from both the public and private sector in the future.

RBS Romania can help new companies list on the BSE. We can help clients find opportunities for development and potential investors interested in acquiring shares on the primary market.

Investor products

Structured products were created for investors whose needs cannot be fully met by the readily available cash financial instruments. The underlying asset class of a structured product may be equities, commodities, foreign exchange or fixed income. A structured product can give investors access to markets that are normally difficult to invest in.

Principal protected notes

For risk-conscious investors, we offer capital guaranteed notes, and some products that offer a minimum guarantee on an investment’s performance.

Capital protected products offer:

Guaranteed capital protection at maturity (up to 100%)
Potential for higher returns than with fixed-income instruments
Liquidity

Certificates

Certificates or index certificates track the performance of single stocks, indices, sectors, commodities or actively managed funds. The investment performance of these certificates will match any growth or decline in the value of underlying assets.

Certificates are ideal for investors who:

Expect a rise in the price of the underlying asset
Are looking for medium- to long-term exposure
Want flexibility and low transaction costs

Sector expertise

The RBS Romania team has a thorough understanding of the dynamics of different industry sectors, This expertise, combined with a strong local presence places us in an ideal position to offer advice and excellent banking services to our clients.

For international clients, we offer the specialist knowledge needed to enter the Romanian market, via our International desk and the RBS global network.

Our sector specialists work in the following areas: