Corporate and Institutional Investments

By our creating an opportunity for companies or institutions to engage directly with a dealer, clients are assured of the highest levels of professional service, including guidance and advice regarding the regulatory frameworks and terms and conditions relating to their desired transactions.

Our approach centres on partnering with commercial investors to understand their investment strategies and objectives fully. Based on our best advice approach, we either take deposits on balance sheet or facilitate investment in market securities most likely to deliver commercial investors' desired outcome.

Depending on our clients identified strategic investment goals and objectives, we offer a comprehensive range of solutions that might include one, or a combination, of the following:
 

Call deposits

• The minimum capital amount required is R1 000,00.
• The capital amount invested is guaranteed and available on demand. No notice is required to deposit or withdraw funds from the investment account.
• The interest rate fluctuation is relative to market conditions and is subject to the bank's discretion.
• The interest amount is paid out monthly into the client's transactional account (no third-party accounts are allowed) or can be capitalised.
• The investment account can be linked to a Nedbank online banking profile for viewing and transactional functionalities.
• The capital amount can be pledged or ceded to serve as security.
• Monthly statements can be sent by email on arrangement.
• No fees and charges are payable on the account.
   

Notice deposits

• The minimum capital amount required is R1 000,00.
• Funds are accessible by giving the required notice period.
• The interest rate fluctuation is relative to market conditions and is subject to the bank's discretion.
• The interest amount is paid out monthly into the client's transactional account or a call account (no third-party accounts are allowed) or can be capitalised.
• The investment account can be linked to a Nedbank online banking profile for viewing purposes only.
• The capital amount can be pledged or ceded to serve as security.
• Monthly statements can be sent by email on arrangement.
• No fees and charges are payable on the account.
• Notice period ranges from seven to 120 days.
• Additional deposits can be made into the investment account.
• Multiple notices can be made on different dates on the same investment account.
   

Cashflow Optimiser

• The minimum capital amount required is R1 000,00.
• The capital amount invested is split between a fixed amount and a fluctuating amount according to the percentage accessibility the client chose at the time of starting the deposit, for the term of the investment.
• The accessible amount is reflected as a percentage of the original deposit amount. The percentage options available are 10%, 15%, 20%, 25%, 30%, 35%, 40%, 45% and 50%.
• The interest rate is fixed and guaranteed for the term of the investment.
• The interest amount is paid out monthly into the client's transactional account or call account (no third-party accounts are allowed) or can be capitalised.
• The investment account can be linked to a Nedbank online banking profile for viewing purposes only.
• The capital amount can be pledged or ceded to serve as security.
• Monthly statements can be sent by email on arrangement.
• No fees and charges are payable on the account.
• Fixed terms offered are one, three, six and 12 months.
• Additional deposits can be made into the investment account, provided the original accessible amount is not exceeded.

The formula for calculating the interest amount is:

Amount x interest rate x 1 day 
                   100                    365
and is rounded to two decimals, as the capital amount could change daily.

 

Term deposits

• The minimum capital amount required is R1 000,00.
• The capital amount invested is fixed and guaranteed for the term of the investment.
• The interest rate can be fixed and guaranteed for the term of investment or variable and quoted as a spread against a base rate; the spread against the base rate is fixed and guaranteed for the term of the investment.
• The interest amount can be paid out monthly, quarterly, semi-annually, annually or on maturity to the client's transactional account or a call account (no third-party accounts are allowed).
• The investment account can be linked to a Nedbank online banking profile for viewing purposes only.
• The capital amount can be pledged or ceded to serve as security.
• Monthly statements can be sent by email on arrangement.
• No fees and charges are payable on the account.

The formula for calculating the interest amount is

Amount x interest rate x no of days
                    100                     365
and rounded to two decimals for the full investment term, as the actual number of investment days is known upfront.