Specialised Solutions

Solutions to drive your financial success

We provide businesses with a broad range of innovative financial solutions that are designed to free up time, reduce risk and support international business growth and opportunities. Our solutions include:

  • Cash & Liquidity Management – we ensure that your daily financial operations run smoothly
  • Lending & Trade Solutions – we help you secure the required liquidity and flow of funds to enable your business to grow both locally and across global borders
  • Treasury Management – we provide sufficient risk mitigation to help you achieve your business priorities
  • Property Financing – we help you reach greater heights with our customised financing solutions
  • Digital Solutions – we meet your needs in an evolving treasury landscape with our constant digital progress

Cash & Liquidity Management

Cash Liquidity Management

Steer your business to success with ease. Citi’s Cash & Liquidity Management Solutions will help ensure that your business has cash in the right place at the right time, freeing you up to concentrate on your core business activities.

  • Maximise idle cash
  • Reduce borrowing
  • Optimise yields
  • Control local and global risks

Cash Management

Payments:

Citi offers products and solutions to help you effectively manage your payments. Whether for invoices, payroll and taxes, or settlement of treasury activities, you gain from our presence in 100 countries.

With Citi's payables solutions, you can initiate payments securely and efficiently thanks to our straight through processing capabilities. Our solutions give you access to information and integration with Treasury systems, to improve your cash flow forecasting.

As our payment capabilities are in line with local clearing systems, you benefit from:

  • Domestic and Cross-Border Transaction Initiation
  • Online, Real Time Information
  • Integration with ERP and Treasury Systems

Receivables:

Manage cash strategically and optimise working capital with Citi’s global receivables solutions. Citi’s solutions streamline receivables processing and increase operational efficiencies to reduce costs and help organisations achieve their financial goals.

With the rising cost and reduced availability of credit, organisations need to examine their order-to-cash cycle for opportunities to generate liquidity internally. Citi can help organisations unlock trapped liquidity with solutions that provide actionable intelligence and re-engineer their receivables process to increase global visibility, such as automating and streamlining processes from electronic invoice presentment to collections, reconciliation and reporting.

Citi meets globally inconsistent needs with paper and electronic (including mobile) solutions. Many solutions are offered with a host of value-added services and are compatible with local systems and technologies. Citi’s receivables solutions also offer global value-added services such as dashboards, reconciliation services and analytics to provide clarity, visibility and global supervision.

With a comprehensive suite of receivables solutions, a global reach and an on-the-ground presence in 95 markets, Citi can provide innovative, strategic receivables solutions for any need in the order-to-cash cycle.

Liquidity Management

Moving, managing and investing funds – when and where you need to – is critical to your treasury operation, so is having a trusted partner who understands what it takes to optimise liquidity while controlling risks – whether you operate in a single market or around the globe.

Citi is that partner, offering:

  • Analytic tools that provide a global window into your investments and liquidity structure to improve operating efficiency
  • Local expertise and insights for navigating operating and regulatory issues in 100+ countries
  • Flexible and automated infrastructure for tailoring and integrating liquidity and investment capabilities – locally and cross border – to meet your specific needs
Back to top

Trade Service & Finance

Trade Finance

With a market-leading network spanning the globe, Citi is well-equipped to capture our clients’ complete end-to-end cross-border trade flows. Citi’s global footprint and on-the-ground relationship with Corporate and Financial Institution (FI) clients make us a key player in the Global Trade business.

From risk mitigation to financing, settlement to information, Citi’s trade experts and four regional processing centres offering around-the-clock operations support and deliver world class solutions to suppliers, buyers and FI.

Trade Solutions

Act nimbly and efficiently with Citi's solutions:

  • Access to local and global markets
  • Long-standing relationships with export credit agencies
  • Development and multilateral finance institutions
  • Award-winning technology platforms

Trade Financing

Citi’s trade finance experts offer solutions to the most complex needs, drawing from a wide range of financing techniques. Citi offers comprehensive domestic and international trade financing solutions.

Whatever your needs, our local market knowledge and expertise mean we can structure a financial solution to meet your objectives. As a result, you can explore the potential for trade wherever it arises, secure in the knowledge that we can support your transaction throughout its life cycle.

Receivables Financing:

Citi offers comprehensive domestic and international trade receivables financing solutions. These programs help increase liquidity in the supply chain and reduce the risk inherent in trade flows.

Sponsored Receivables Financing:

Citi’s Sponsored Receivables Financing Program provides companies with liquidity by accelerating their cash flow. It also allows them to increase open account sales by leveraging our risk mitigating structures. These programs have the added benefit of matching the seller’s liquidity to the seasonality in its business and the currency of the underlying receivables. The facility can be structured on a revolving or one-off basis.

Supplier Financing:

Supplier financing programs help well-established buyers to have an uninterrupted supply flow by providing liquidity to their suppliers and mitigating the risk inherent in open account sales. Through these programs companies can consolidate their payment processes. This Citi solution has a programmatic approach, which makes it ideally suited for on-going commercial relationships.

Back to top

Lending Solutions

Lending Solutions

Now more than ever, businesses need capital. At Citi, we offer a wide range of loan structures to help your business not only keep operating, but also innovate and expand. Citi Commercial Bank offers a comprehensive range of flexible financing options - from short-term revolving credit facilities and working capital financing, to medium-term loans and structured financing. The tenor, currency and other terms and conditions of various loan types can be customised in line with a business' particular requirements. Our knowledgeable and experienced Relationship Managers will assist you throughout the entire lending process - from introducing financing options, tailoring them to the specific needs of your business, and guiding you through the application process.

Property Financing

Own your commercial real estate with our customised financing solutions. Our Commercial Property Loan will help you secure a workspace for your business.

  • Extremely attractive interest rates
  • Financing of up to 75% of the property’s purchase price
  • Loan tenor of up to 25 years
  • Flexibility in loan structure including working capital loans and trade financing
  • Extensive coverage for the new purchase or refinancing of owner-occupied commercial property (office, retail or industrial)

Eligibility:

  • Singapore-registered business
  • Minimum of 3 years in business
  • Commercial property located in Singapore
Back to top

Markets Solutions

Markets and Securities

Our commitment to helping our clients manage their risks is a catalyst for helping them achieve financial success. We will assist you in developing risk management strategies and implementing financial solutions that span a broad range of asset classes, including currencies, commodities, and interest rates. Through our award-winning foreign exchange services, Citi's industry-leading foreign exchange business provides unique insights and solutions that enable seamless transaction execution globally, regardless of location. Setting the standard in foreign exchange, our unparalleled global scope gives us an exceptional ability to deliver a wide range of market–leading solutions.

FX & Local Markets

In 200 years, Citi has grown to become an industry leader in FX. With a presence in 83 countries, we offer unique market insight supported by award-winning technology that delivers unrivalled execution in 130 currencies. Our clients exploit our geographical reach and 24-hour coverage to fulfil their trading needs, counting on our consultative approach to help them better manage their exposures and enhance the returns on their investments. What's more, we are constantly innovating, striving to ensure that our offerings always remain at the cutting edge of the market.

Back to top

Digital Solutions

Digital Solutions

Citi’s next-generation banking platform CitiDirect BE® provides one-click access to global transaction capabilities using an intuitive and user-centric workflow. CitiDirect BE supports multiple transaction types across multiple geographies, subsidiaries, and currencies. Users can manage accounts, payments, receivables, liquidity, trade, foreign exchange and reporting across the globe with CitiDirect BE online, mobile and tablet versions. CitiDirect BE streamlines your local banking activities by giving authorised users at every level of your organisation direct access to corporate accounts via an easy-to-use web interface.

  • Increased efficiencies, visibility and control
  • One-click access to global transaction capabilities
  • Supports multiple transaction types across multiple geographies and currencies
  • Provides a globally consistent banking experience
  • Customisable analytics for strategic management of global, regional and local treasuries and optimised working capital
  • Online, mobile and tablet versions provide seamless anytime/everywhere access
  • Enhanced self-service capabilities for security administration, training and help

The real-time information delivered through the CitiDirect BE platform is combined with an ever-expanding array of financial services including:

  • Import Letters of Credit
  • Import Banker's Guarantee
  • Direct Presentation
  • Direct Collection

These industry-leading solutions are backed by the security, convenience, and support you expect from Citi.

CitiDirect BE Mobile

Use your mobile device to manage your full spectrum of cash and trade needs: initiate, authorise and release payments; run transaction and account balance inquiries; monitor your aggregated cash positions; and authorise trade transactions on-the-go!

Mobility - CitiDirect BE Mobile can be accessed on any device with a browser

Efficiency – Automatically synchronizes with your CitiDirect BE platform to house your treasury activity in one central location

Usability – Intuitive and user-friendly design, allowing you to easily be productive on day one

Security – Leverages the existing security of CitiDirect, extending the highest level of protection in a mobile environment

Global – Available in 90 countries and 16 languages

Designed exclusively for CitiDirect BE® clients at the senior level, CitiDirect BE Tablet provides institutional users with a true tablet experience with rich interactive features and capabilities, including customisable data visualisations and advanced data discovery tools. Providing the freedom and flexibility of anytime/everywhere access to the CitiDirect BE platform, the application is an essential new tool in the CitiDirect BE user’s digital workflow, with critical transactions and real-time financial data just a few taps away.

FX Pulse

CitiFX Pulse provides unparalleled real-time market access to FX spot, forward, NDF and swap pricing in over 400 currency pairs, 24 hours a day. This multi-product platform offers the best of both blended local onshore pricing through a network of over 80 treasury sites and global coverage from FX market makers in New York, London and Sydney.