Commercial

Commercial & Corporates

A comprehensive range of solutions to meet the needs of our top-tier corporates and support commercial businesses with trade, credit solutions, payments and collections.

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Financial Institutions

Comprehensive treasury and other banking solutions for financial institutions.

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Public Sector

Providing key support for state governments and other public sector strategic initiatives.

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General Commercial Banking Overview

Our banking model recognizes the need for specialisms, offering sector-specific relationship managers who understand the opportunities and challenges of your market. Therefore, our clients benefit from our sector teams and industry research.

Manufacturing

We are committed to our role as a Bank and are very active in the sector. With an industry focus on sustainability, supply chain risk and high-value manufacturing in today’s environment, we are well placed to help your business achieve its objectives.
The manufacturing sector comprise of so many Sub-sectors which include: Cement; Food and Beverage; Textile, Apparel, and Footwear; Wood and Wood products; Pulp Paper and Paper products; Chemical and Pharmaceutical products; Non-metallic Products, Plastic and Rubber products; Electrical and Electronic, Basic Metal and Iron and Steel; Motor Vehicles and Assembly; and Other Manufacturing.


As one of our Manufacturing clients you can take advantage of:

  • Valuable contacts through our relationships with industry bodies, trade associations and working with leading businesses across the sector.
  • In-depth analysis of manufacturing trends from our research teams.
  • Industry specific credit and product teams that understand your business sector and the finance you need to grow within it.

Product Offerings and Services

  • Cash/Liquidity management
  • Working capital
  • Foreign Exchange
  • Letters of credit
  • Bonds and Guarantees

The Sector Lead: Ayodele Agbebi [email protected]

Agribusiness

With over 100 years heritage working with both large and small scale agricultural businesses, we are committed to offering a range of products and services. Our strong agricultural foundation has enabled us to build a team experienced in related industries, including supply chains, food processing, agro-allied services and machinery. You can benefit from this experience through our experienced Relationship Managers.


What we offer

  • Asset Finance
  • Liquidity Management
  • Term Loans
  • Overdraft
  • Invoice Discounting

The Sector Lead: Abdulkebiru Omoti  [email protected]

Extractive Services

This sector focus on managing relationships of Oil and Gas companies engaged in the exploration. The department also covers service companies and contractors that render specialized services in this sector. The department is made up of skills sets in all aspects of the downstream sector with core skills focused on financing activities, oil services and all aspects of the downstream value-chain.
The sector also offers expertise in the mining and power sector, providing guidance, financial and operational requirements.


Product Offerings and Services

  • Reserve based lending
  • Project Finance,
  • Assets acquisition finance,
  • Contractor finance facility,
  • Receivables discounting,
  • Bonds and guarantee facility,
  • Advisory services, and
  • Equipment leases.
  • Letters of credit

The sector Lead: Ayotunde Ojo-Awosika [email protected]

Trade & General Commerce

We provide a wide range of customized solutions to meet the needs of general traders, importers, exporters, supermarkets and key distributors.


Product Offerings and Services

  • Asset Finance
  • Cash management
  • Working capital
  • Liquidity management
  • Foreign Exchange
  • Payments and collections
  • Letters of exchange

The Sector Lead: Tamuno Pepple [email protected]

Education

We can assist you move your business forward. As a bank that has specialist education sector relationship managers, we are dedicated to providing the right products and solutions that meets your business needs. 

We have built a strong market presence and become a trusted partner to a wide range of clients across the education sector as we provide corporate banking services for universities, colleges and schools.


As one of our Education clients you can benefit from:

  1. Our network of education specialists 
  2. Our industry experience. We have banking relationships with top tier educational institutions and we also partner with investment firms (private equity) involved in education
  3. Regular networking events offering access to major players and stakeholders in the education ecosystem as well as valuable new contacts across the sector

What we offer:

Your business can benefit from our industry expertise through a wide range of products that supports your business needs across Cash Management, Financing and Corporate Lending

  • Cash Management
  • Financing
  • Corporate Lending
  • Project Finance

The sector Lead: Adeyinka Adebola [email protected]

Logistics, Maritime & Transportation

We are committed to providing specialist banking solutions for Transport and Logistics businesses and are very active in the sector. This ensures our understanding of the needs and that we stay ahead of this continually evolving sector.


As one of our Transport and Logistics clients, you can also take advantage of:

  • Regular networking opportunities and industry events 
  • In-depth analysis of Transport and Logistics trends from our in-house research team
  • Industry-specific credit teams that understand your sector, and the finance you need to grow within it

Product Offerings and Services

  • Project Finance
  • Assets acquisition finance
  • Contract finance facility
  • Receivables discounting
  • Bonds and guarantee facility
  • Advisory services and Equipment leases
  • Foreign Exchange
  • Working capital
  • Liquidity Management
  • Letters of credit

The Sector Lead: Adekunle Adedeji [email protected]

Professional Services

We recognize that this sector is diverse, and that the businesses within it have different needs. To be more closely aligned to your specific requirements, our Relationship Managers have a dedicated focus:

  • Accountancy
  • Legal
  • Property Consultants

What we can offer:
Our Professional services banking suite of medium and long-term finance products is as flexible as it is far-reaching, drawn from across the Bank:

  • Cash Management
  • Term Loan
  • Working Capital
  • Letters of Credit
  • Bonds Guarantees and Indemnities

The Sector Lead: Adekunle Adedeji [email protected]

Hospitality & Leisure

The markets our Hospitality and Leisure team specialize in – Leisure Operators, Hotels, Professional Sport, Restaurants and Licensed Trade and Travel – are often closely connected. Business within one can lead to opportunities within another. That’s why our experienced Relationship Managers across the sector work together to identify potential new markets and synergies for your business.

As one of our Hospitality and Leisure clients, you can also take advantage of:

  • Regular networking opportunities, industry events and sponsorships
  • In-depth analysis of Hospitality and Leisure trends from our in-house research team

What we offer:

Through our close working relationships with Investment Banking and the other Hospitality and Leisure teams, our Relationship Managers can help you to identify potential new business opportunities. It’s just one of the ways that we work proactively to support your business. your business can benefit from day-to-day banking support through:

  • Liquidity and Cash Management
  • Payments and collections
  • Term Loans
  • Foreign Exchange
  • Bonds, Guarantees and Indemnities

The Sector Lead: Siji Akinbobola [email protected]

Telecoms and Technology

The complexity and competitiveness of your sector is something we’re very familiar with, and we understand the finance you need to grow within it.
To be more closely aligned to your specific business requirements, our Relationship Managers have a dedicated focus:

  • Network Operators – we have relationships with most of the network operators in the UK
  • Service Providers – we provide the finance to telecoms service providers nationwide
  • Software – we offer finance to producers of bundled and/or unbundled software applications, for business and consumer use
  • Data Centers – we offer corporate banking products and services to data centers in the UK
  • IT Services – from data processing to web design, we cover providers of computer and internet-related services to businesses and consumers

As one of our Telecoms clients, we can also offer you:

  • valuable networking opportunities through long-standing relationships with key sector bodies and our series of regular industry seminars
  • in-depth analysis of Telecoms trends from our in-house research team

What we can offer:

In addition to our Relationship Manager’s dedicated focus and sector expertise, we offer tailored banking for telecoms companies

  • Cash and Liquidity Management
  • Term loans
  • Working Capital
  • Asset Finance
  • Foreign Exchange

The Sector Lead: Siji Akinbobola [email protected]

Hotel and  Restaurants

We can assist you move your business forward. As a bank that has specialist relationship managers, we are dedicated to providing the right products and solutions that meets your business needs. 

We have built a strong market presence and become a trusted partner to a wide range of clients across the Hotel and Restaurant sector as we provide corporate banking services.

As one of our Hotel clients, we can also offer you:

  • Valuable contacts through our relationships with trade associations and industry bodies
  • Regular networking opportunities and industry events
  • In-depth analysis of Hotel trends from our in-house research team
  • Industry-aligned credit and cash support

What we offer:

We’re regularly involved in the development of new products to ensure the changing needs of your business are met.

  • Robust online platforms
  • Liquidity Management
  • Term Loan
  • Working Capital
  • Bonds, Guarantees and Indemnities.

The Sector Lead: Siji Akinbobola [email protected]

Media

To be more closely aligned to your specific business requirements, our Relationship Managers have dedicated areas of focus, including:

  • Publishing – numerous publishers bank with us in both B2B or B2C and across the newspaper, magazine and book sub-sectors
  • Marketing Services – covering industries from advertising to digital marketing banking, we have relationships with many of the global and independent Marketing Services networks
  • Music – we work with clients in the live and recorded sectors, ranging from promoters to collection agencies, labels, publishers and more.

What we can offer

In addition to our Relationship Managers’ dedicated focus and sector expertise, we offer services including:

  • Cash Management
  • Foreign Exchange
  • Term Loans
  • Working Capital

The Sector Lead: Siji Akinbobola [email protected]

Construction

We’ve been supporting your sector with an experienced team of Relationship Managers for several years. You can access the industry knowledge they’ve gained over this time, and continue to gain. We understand the markets you operate within, and the finance you need to achieve business growth within this sector. 


What we can offer 

We provide a full-service offering that includes day-to-day banking, (both investment finance and pre-let commercial development finance) and, through the close working relationships we have with the Investment Banking team, we can also offer access to: 

  • Liquidity Management 
  • Term Loan 
  • Working Capital
  • Bonds, Guarantees and Indemnities.

The Sector Lead: Siji Akinbobola [email protected]