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Expert Loan Tips

Before you apply for a personal loan, consider other forms of credit. You might find a credit card is cheaper and a card with a 0 per cent introductory offer on purchases will enable you to spread the cost of big purchase interest-free.

*The rates above are indicative, visit a branch near you for more details.

Treasury

Cash foreign exchange;  buying/selling of foreign exchange for delivery on the same day of dealing.  Please note that  the funds maybe electronic funds or notes and coins.

Spot foreign exchange;  buying /selling of foreign exchange for delivery two working days from the day of dealing.

Foreign exchange forwards: buying/selling of foreign exchange for delivery after two days from the day of dealing.

Foreign exchange swap; buying foreign currency now to sell it back to the same counterparty  at an agreed  future date and agreed  rate.  Or selling of foreign currency now to buy it back from the same counterparty at an agreed future date and agreed rate.

Money market borrowing and placements;  borrowing or lending money from clients who are usually institutional and professional in nature that usually borrow or lend to the market usually large ticket deals. 

Fixed Income trading; buying or selling of  fixed income securities commonly treasury bills and treasury bonds