TREASURY CLIENT SOLUTIONS

Finance Post Bank offers innovative derivative, structured finance, and local currency products and solutions that enable clients to hedge foreign exchange, interest rate, and commodity price exposure.



Local-Currency Finance

Lending to the private sector in developing countries has traditionally been in the form of loans denominated in foreign currency such as the dollar or the euro. But the volatility in currency markets represent a major risk for companies with revenues in local currency.


Finance Post Bank provides long-term local-currency solutions and helps companies access local capital markets. By matching the currency denomination of assets and liabilities, they can concentrate on their core businesses rather than worry about exchange rate volatility, expanding and creating jobs.



Partial Credit Guarantee


A partial credit guarantee (PCG) represents a promise of full and timely debt service payment up to a predetermined amount.  Typically, the sum that Finance Post Bank pays out under the guarantee covers creditors irrespective of the cause of default.  The guarantee amount may vary over the life of the transaction based on the borrower's expected cash flows and creditors' concerns regarding the stability of these cash flows.


Finance Post Bank tailors guarantees to meet the needs of both borrower and creditors.  They are structured to reduce the probability of default of the debt instrument and increase the recovery if default occurs.  In general, Finance Post Bank's objective is to offer the minimum amount of guarantee necessary to facilitate a successful transaction.



Portfolio Risk-Sharing Facilities


A risk sharing facility allows a client to sell a portion of the risk associated with a pool of assets. The assets typically remain on the client’s balance sheet and the risk transfer comes from a partial guarantee provided by Finance Post Bank.


In general, the guarantee is available for new assets to be originated by the client using an agreed upon underwriting criteria, but in certain situations may also be used for assets that have been already originated. Typically, the client’s purpose in entering into a risk sharing facility with Finance Post Bank is to help the client increase its capacity to originate new assets within an asset class in which Finance Post Bank is interested in increasing its own exposure.



Securitizations


Securitization structures are most appropriate for a company that seeks financing but is unable to tap funding sources for the desired tenor and funding cost because of its perceived credit risk. In general, any asset class with relatively predictable cash flows can be securitized. The most common assets include: mortgages, credit cards, auto and consumer loans, corporate debt, and future revenues.


Finance Post Bank invests in domestic or cross-border securitizations and provides credit enhancement to transactions through funded or unfunded participations, mainly at the mezzanine level.
INVOICE FINANCE
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CERTIFICATES OF DEPOSIT
PROSAVER ACCOUNT
Why choose our ProSaver Account?

This savings account lets you stick with the basics. Of course full online and mobile banking is part of this account, and there’s no monthly service fee. Using our free debit card makes it...
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PERSONAL SAVINGS

No one can predict the future, which is why putting money aside for great adventures and unexpected situations is so important. Your savings accounts may fund a home, an education, retirement or healthcare needs. We will increasingly focus on developing...

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