Markets Products

Markets

Banco Indusval & Partners focuses its activities on corporate lending in local and foreign currencies to companies in the Middle Market segment with annual sales chiefly in the range from R$ 40 million and R$ 400 million; and, Corporate, customers with annual revenue above R$ 400 million.

Middle market enterprises typically resort to several banks for the funds that they need for their activities since they only have access to lower volume credit lines and shorter maturities. On the other hand, larger companies allow the credit portfolio diversification with higher quality assets utilizing various products that improve cross-selling, including fee revenues. This customer service segmentation aims at enhanced competitiveness in customer servicing by specialists in attending the specific demands of each segment companies providing customized solutions.

In the 1Q12, credit businesses with Middle Market enterprises represented 63% of BI&P’s loan portfolio, whereas the Corporate segment, started in July 2010, took a 35% share.

Out of total loan portfolio, 55% derives from loans to industries, 21% from service providing enterprises, 15% from commerce and only 4% from loans to individuals. The most representative economic segments are: Agribusiness (17.6%), Construction (14.7%), Food & Beverage (13.9%), Automotive (5.5%), and the remaining 48.3% of the portfolio is diversified in a series of segments with isolated participations not exceeding 5%.

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Products

Local Currency Loans and Financing:

• Working capital loans
• Discount of receivables
• Overdraft accounts
• Compror, to financing inventory purchases
• Confirming: Credit to production Chains: agreements with large companies that offer support to their suppliers in funding their activities by confirming receivables drawn on them.
• Universities: agreements with universities to support student financing
• Credit Assignment
• Local Bank Guarantees

National social and Economic Development Bank (BNDES) onlendings

• Finem
• Finame
• BNDES - Exim
• PROCAP - AGRO
• BNDES Progeren
• BNDES Automatic 

Foreign Trade Financing and Support

• Spot FX: spot purchase and sale of various foreign currencies
• International collections: imports and exports
• Export Financing: Pre-shipment (ACC) and post-shipment (ACE)
• Import Financing (FINIMP - direct and onlending)
• Discount of Import Drafts
• International Guarantees
• Import Letters of Credit (L/Cs)
• Export Prepayment
• Export Financing in Local Currency - Export Credit Note (CCE and NCE)

Structured Finance

• Bank Credit Notes (CCB)
• Real State Credit Notes (CCI)
• Real State Receivables Certificates (CRI)
• Real State Bank Credit Notes (CCBI)
• Receivables investment Funds (FIDC)
• Debentures
• Promissory Notes (ICVM 476)
• Foreign Currency financing under law 4,131
• Merges & Acquisitions (M&A)
• Sindications

Agricultural Bonds

• Agro Product Certificates (CPR): - Physical delivery CPRs, - Financial CPRs, and - Financial / Index CPRs
• Agribusiness Receivables Certificates (CRA)
• Real State Receivables Certificates (CRI)
• Agribusiness Credit Rights certificates (CDCA)
• Agribusiness Certificates of Deposit (CDA / WA)
• Barter

Treasury and Financial Investments

• Hedge: FX and interest rates, among other financial items: - Swaps, - Forwards (NDF) and - Options
• Certificates of Deposit (CDBs)
• Time Deposits with Special Guarantee (DPGEs)
• Agribusiness Credit Notes (LCAs)

Transactions in the Stock, Mercantile and Futures Exchanges

• Shares
• Gold
• Options
• Financial Futures
• Agro Commodities

Other products offered by Indusval Multistock Corretora de Valores

• Fixed Income Products: Intermediation of transactions with federal government securities
• Investment Funds - Stocks
• Arbitrage Operations: between stock market and the ADR market

Banking Services

• Current Accounts
• Domestic Collections
• Internet Banking

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