Capital Treasury Services
Bridge
Products & Services ™ International Cash & Payment Management
Professional, focused & dynamic treasury solutions
Our Vision The Capital International Group exists to improve lifestyles through increased prosperity. Our Values We seek to achieve this through the enduring values of innovation, integrity and excellence. Our Mission At Capital Treasury Services we aim to be the best in our chosen field and compliment the Capital International Group’s vision by creating real value. We are a dynamic, entrepreneurial and visionary subsidiary of the Capital International Group, maximising efficiency by focusing on treasury management, foreign exchange, cash management and payment solutions. We provide an exciting and interactive environment offering a professional, reliable and client driven service through the Group’s enduring values of innovation, integrity and excellence.
Capital Treasury Services
Capital Treasury Services Limited Capital Treasury Services is one of the Island’s leading treasury services companies, building upon Capital International’s reputation in its niche market segments. These segments are Corporate Service Providers, Trust Service Providers, Financial Institutions, Local Government Authorities, Business and High Net Worth Clients. Capital Treasury Services operations are based around five core areas: •• Treasury and Cash Management •• Foreign Exchange Services •• Pre-Paid Card & Payment Services •• Money Market & Cash Investment Management •• Administration and Support Services Capital Treasury Services is more than just another treasury services company; it distinguishes itself from the competition by understanding customers’ needs, and tailoring its processes accordingly. The Company’s success will always be based upon the skill, professionalism and commitment of its staff. The principal role of Capital Treasury Services is to offer corporate, trusts and high net worth individuals, the ability to achieve significantly better foreign exchange and money market rates than their peers, and couple this with exceptional service. Capital Treasury Services achieves this by growing and managing their large existing client base, as well as developing new business and client relationships. We take pride in successfully delivering a relationship and solution based service to our clients. The exceptional service our existing and potential new clients receive is simply based on the talented and experienced individuals that work for and with us at all levels. Everyone has an important and influential role to play.
We offer full treasury management facilities for existing & new cash investors
Our Heritage The values of innovation, integrity and excellence are the foundations of Capital International and the group of companies that have since grown up around it. Capital Treasury Services has built on these values enabling it to focus on cash investments and associated activities within niche markets.
The Difference In a demanding international marketplace we have established a reputation for a unique and distinctive approach to business. We believe that a number of key factors differentiate Capital Treasury Services from other providers of similar services.
Independence Capital Treasury Services is an independent company, not constrained or compromised by the pressure to offer any particular product or service. This enables us to always act on behalf of the best interests of a client, offering a truly impartial service.
In-House Capability Our in-house teams of professionally qualified treasury practitioners enable us to provide clients with an exceptionally high quality and comprehensive service. In particular, it gives us the ability to handle larger and more complex products, structures and projects swiftly and with assurance.
Innovative Approach Our in-depth knowledge of the market and close relationships with a number of high calibre intermediaries, enables us to keep abreast of developments in treasury, investments and cash management. This, in turn, enables us to administer or manage existing structures using current best practice while offering and implementing new and innovative products and services.
Capital Treasury Services
All these factors enable us to offer clients a unique and distinctive service, which has been the foundation for our market-leading performance
Working in Partnership We often work alongside, or as part of a team, with other advisors. We understand that professional intermediaries, tax specialists, lawyers, and accountants, need partners they can trust. We never forget that trust, so when they recommend us to their clients they need to be sure that we can deliver what they promise.
Key Account Management All clients are key to our business and so we ensure that solid communication links are established and maintained. We aim to enhance the relationship of all clients by establishing trust and commitment.
Commitment to High Quality We are extremely commited to meeting our clients’ needs and exceeding their expectations. All clients deal directly with a relationship manager, supported by a team of administrators, all of whom are committed to ensuring every client receives a timely, efficient and personal service.
Cash is an asset class in itself and like other assets, should be proactively managed Capital Treasury Services
Treasury Management Cash as an Asset Class Cash is an asset class in itself and like other assets, should be proactively managed, whether it is in turbulent times or in times of reflection. This is why we believe a dedicated service tailored to meet clients’ specific cash management needs is required. We work closely with clients to combine those identified needs against market availability.
Investment Services We actively seek innovative approaches to meet your investment needs using our global network of connections to open doors to the right investment opportunities for you. We look at everything with a fresh eye to challenge the established order. We believe that in this way, we can uncover opportunities, while identifying and managing risks.
Administrative Ease As a client of Capital Treasury Services you have access to all asset classes from one pooled account. Our management service offers efficient and flexible investing with different establishments, but without the additional administrative processes required for individuals dealing with multiple banks independently.
Independent Advice These solutions are both pertinent and importantly delivered from an independent perspective; especially as we are not a bank, and not tied to any institution or distant parent. We offer a truly impartial service unencumbered by a ‘house’ view.
Money Market & Cash Investments We all want our money to earn interest when we’re not using it, but we all have different needs. You may not want to see your investments tied up for long periods of time, yet you still want to earn a competitive rate of interest. At Capital Treasury Services, we have developed a range of solutions that are designed to meet your requirements - the two principal options available are:
Fixed Term Investments We agree the interest rate with you in advance and this rate is fixed for the whole period of the investment.
Call Accounts The interest rate is not fixed, but neither is the investment period, you receive interest at a rate that is linked to the money markets. Please note that from time to time, where interest rates in a country are particularly low, we may be unable to pay interest on accounts in the currency of that country. These involve implementing pre-agreed investment parameters and executing market trades on your behalf. It is a multi-currency service through which cash movements are monitored and investments placed in a variety of cash instruments. The aim is to achieve an enhanced return, subject to maintaining a pre-agreed operating balance.
Platinum Bond Fixed Term Investments Introduction The Platinum Bond Fixed Term Investments are an offshore pooled cash investment product managed by Capital Treasury Services offering: •• An exceptional yield •• Fixed term investment period: one, two and three years •• Fee-free cash investment
Currency Options The Platinum Bond Fixed Term Investments are currently only available in Sterling with a minimum initial and top-up investments in increments of £10,000 within any one tranche.
Offshore Status The Platinum Bond Fixed Term Investments are provided by Capital Treasury Services from the Isle of Man. Interest is earned in the Isle of Man and is paid gross to investors.
Return Generation The Platinum Bond Fixed Term invests into various issuing institutions on a pooled investment basis offering diversification yet with the yield and consistency of a high interest cash investment. By actively managing investment portfolios in this manner, we are able to consistently deliver exceptional investment rates for Platinum Fixed Term Bond investors.
Fees & Charges There is no management or administration fee for this service. Capital Treasury Services does not charge for Platinum Bond Fixed Term Investments. Capital Treasury Services generates a return through superior management of the underlying investment pool. The quoted investment rates will be paid to your account without any deductions at maturity.
Capital Treasury Services
Capital Liquidity Account The Structure The Capital Liquidity Account is an offshore cash investment solution managed by Capital Treasury Services on behalf of Capital International, offering: •• Exceptional Yields •• Diversified Credit Exposure •• Two Day Liquidity •• Fee-Free Cash Management The Capital Liquidity Account is a unique hybrid cash management service delivering the diversification, protection and liquidity of a money market fund, but with the yield and consistency of a high interest cash deposit.
Currency Options The Capital Liquidity Account is available in three currencies: •• Pounds Sterling •• Euros •• US Dollars The minimum initial investment is £50,000, $100,000 or €100,000 respectively.
Credit Exposure The underlying treasury pool is invested across a range of high quality bank and building society deposits - by actively managing the treasury portfolios in this manner, we are able to consistently deliver exceptional rates of interest on Capital Liquidity Accounts.
Two Day Liquidity A unique feature of the Capital Liquidity Account is that it offers institutional fixed-term rates of interest coupled with two day liquidity, meaning you have easier access to your investment capital at any stage. Capital Liquidy Account holders can withdraw their money at any time and we will make the transfer within two business days of receiving your instruction. There is no penalty or loss of interest incurred on withdrawal. NOTE: Standard & Poor’s Fund Ratings represents an opinion only, not a recommendation to buy or sell.
Foreign Exchange Service Overview Foreign Exchange is a part of the Capital Treasury Services core service offering, with lines into institutional market makers and liquidity providers, both in the Isle of Man and London. We transact foreign exchange deals on behalf of other financial institutions as well as large corporate entities that range from small Island-based corporate service providers to listed FTSE100 companies. They come to us because we are able to provide them with more competitive pricing structures than they receive from their existing banking relationships and treasury service providers.
Analysis We provide accurate and proactive analysis of where exchange rates are heading and why. In addition, we also offer bespoke research for clients on their individual currency requirements.
Proactivity There are two ways in which an information flow may reach you, proactively or reactively. Typically, many of the larger financial institutions, mainly because of their size, fall into the latter category. However, Capital Treasury Services prides itself in being the former. A good example of this is that a bank will rarely concern itself with your foreign currency requirements until such time as you pick up the phone, and at this point the client is quoted a single-sourced static price; Capital Treasury Services however constantly reviews the market, searching for the best rates available and will strive to better them where we can.
Tailored Service Capital Treasury Services is constantly seeking to provide an exemplary service to its clients, whether to businesses or individuals, that fits their needs. Some clients may only place one transaction with our foreign exchange service, for instance when buying a property abroad, and may need more assistance on a deal-by-deal basis to understand the complexities of the Foreign Exchange markets.
Capital Treasury Services
Internet Payment & Cash Management Giving you control over your cash flow, around the world – we offer a variety of secure services to help improve the way companies manage funds and make payments, while maintaining their records and importing data directly into the company’s own accounting system. In today’s global economy, organisations need to be financially agile and responsive – wherever their business takes them. Bridge - our Internet Payment & Cash Management service helps make this possible. Bridge enables these companies to access and control cash quickly and efficiently around the world. Our specialist team works closely with them to develop a secure, cost-effective solution for their overseas investment and payment needs.
The key benefits • View balances and transactions or issue payment instructions on Capital Treasury Services accounts • Cut transaction costs by using a single point of access to local clearing systems in overseas markets where companies operate • Speed up invoice receipts by enabling overseas customers to pay direct into company accounts through their local bank
Features • Upload balance and transaction information directly into accounting systems – reducing delays and costly mistakes caused by re-keying data • Consolidate bank balances to optimise return • Help improve overall cash positions using the most up-to-date account information • Help free up administrative processes so that companies can concentrate on growing their international business
NOTE: Any sums received do not constitute a deposit as defined in Regulated Activities Order 2011, as amended and are not covered by any compensation scheme.
Bullion & Precious Metals Introduction We have carefully selected our Bullion Brokers where gold and precious metal investors go to buy physical stock for storage within a professional bullion vault. The process is secure yet straightforward and prices are competitive. Through our approved bullion brokers, clients can own guaranteed professional grade gold bullion, in standard gold bar form. The bullion is stored in a professional recognised bullion storage facility in the United Kingdom, the United States or Switzerland. Clients are able to buy and sell directly. The gold does not move, only the ownership changes.
Anyone Can Participate Private individuals can use the service to buy, own, store and later sell, professional grade bullion; all at compelling prices usually only available in the professional bullion markets.
Guaranteed Quality The gold and other precious metals you buy through our Bullion Brokers is of a permanently guaranteed quality because it has always stayed within the recognised storage facilities of the bullion market. The gold is originally assayed at a recognised bullion market gold refiner and at the established standard of purity for bullion (>99.5%). It was acquired from and delivered by formally recognised bullion market participants, and it stays at all times in a formally recognised bullion vault. Because of strict adherence to market procedures for handling bullion, the bars retain their status as ‘Good Delivery’. This means that professional market buyers who pay the best prices, will accept them, which they will not ordinarily do for bars with a private custody history. So, although owned by private customers, the bars retain their full resale value and this simple solution eliminates one of the significant costs of private gold ownership.
Capital Treasury Services
We are extremely commited to meeting our clients’ needs and exceeding expectations
A flexible, cost-effective solution to streamline your payroll & expenses processing Capital Treasury Services
Pre-Paid Debit Card Solutions Payroll & Expenses What Are Pre-Paid Cards? They look like a credit or debit card and work like a charge card, but are not fixed to any one store or chain. They give users the ability to purchase products and services but with a crucial difference - you can only spend the balance that has been pre-loaded onto the card. The cards are reusable and can be reloaded as many times as required. This means there is no risk of running into debt as it has no credit or overdraft facility.
How Do They Work? Money can be loaded on to a Pre-Paid Card in the form of cash at a bank, a Post Office, at PayPoint terminals, bank transfer, through an employer or even by credit card and over the internet. They work in exactly the same way as a credit or debit card when you want to make a purchase - you simply hand the card to the cashier in the same way that you normally do but the transaction amount is taken from the balance on the Pre-Paid Card.
Business Solutions Our Pre-Paid Card solutions provide bespoke business solutions across a range of industries; card providers are constantly exploring ways to tailor their products to audiences increasingly aware and interested in the benefits that a Pre-Paid Card can offer them. They have highly experienced business development teams that will be able to advise businesses on the best solution for payment requirements served best by pre-paid products. Whether it is finding a cashless alternative to salary payments, controlling your corporate expense spend, incentive schemes, benefit payments or simply providing a flexible tool to manage cash flow, Capital Treasury Services and Pre-Paid Cards will provide a solution for them all.
SIPP Solutions Starting Out A Self Invested Pension Plan (SIPP) can be started by an individual or by an employer. With Capital Treasury Services we can help start up a SIPP with any approved regulated provider investing into our Cash Option. Depending on the type of provider (these include insurance companies, pension consultants and fund managers, amongst others), the plan will involve at least a scheme provider and a scheme administrator (which may be the same organisation). If the SIPP is to be trust-based, and you are not going to be the trustee, the provider or another specialist must act as the trustee. A SIPP can be started from scratch or by transferring funds from another plan.
The Cash Option While SIPPs can give you access to a range of investments including exotic commercial property, you are always free to keep your wealth in its simplest form: cash. SIPPs can invest into this asset class much like a traditional investment portfolio, allowing you to keep funds earning a rate of return while you wait for a suitable investment opportunity.
All of the treasury management services that we provide are available to SIPP investors; the Capital Liquidity Account along with our other services including foreign exchange, money market and fixed term investments can be managed as a discretionary managed portfolio to match client risk and investment profiles.
Capital Treasury Services
We are one of the Isle of Man’s leading treasury services companies
The Isle of Man - Centre of Excellence The Isle of Man is an established and respected international finance centre, built on political and fiscal stability, low taxation and a fully supported modern infrastructure. Financial services and related business, manufacturing and tourism are key sectors of the island’s economy. The Manx Government’s policy of offering incentives to high-technology companies and financial institutions to locate on the Island along with funding to establish the Island as a leading e-commerce platform has paid off in expanding employment opportunities in high-income industries. The Isle of Man is centrally situated within the British Isles, less than an hour’s flying time from London, Edinburgh and Dublin. This, together with regular and frequent services to the rest of Europe, makes the Island an attractive location for an international finance centre.
The Island is an independent jurisdiction, separate and distinct from the United Kingdom, a self-governing British Crown Dependency, it is a Member of the British Commonwealth and the OECD. However, it is not a member of the European Union but operates within the EU’s Common Customs Tariff area. This investment into the Island, its locale and its independency have resulted in numerous awards over the years, culminating in the ‘Best International Financial Centre’ on more than one occasion - these annual awards are adjudicated by an independent panel of life and investment experts which goes even further in supproting the statement that the Isle of Man really does give you the freedom to flourish. The Island continues to maintain its reputation as a world class regulatory durisdiction with its high standards and Standard and Poor’s ‘AA+’ Country Risk Rating.
Capital Treasury Services
Web Portal This is the hub for all of our products and services; allowing you to have all the information at your fingertips when you need it, from simple product information to product statements and valuations. Our web portal is updated regularly with money market updates, financial news and product performance fact sheets. For all our business introducers, intermediaries and clients the web portal provides an on-line reporting service which offers daily asset pricing (where appropriate) and includes accrued interest amounts with the additional functionality of being able to show portfolio and asset transaction histories.
Investor Protection Neither Capital Treasury Services or other members of the Capital International Group are banks and do not offer banking services, so unlike a bank account investors are not lending money to us or the Group and as a result their money is not exposed to the Company’s or Group’s balance sheets or underlying business in any way. Consequently, client monies are fully protected at all times as they are held in segregated client bank accounts within a ring-fenced nominee custody account. No investments or transactions are made on your account (other than transfers instructed by you and interest paid by Capital Treasury Services or the Capital International Group of companies) and hence any investments made on behalf of your Capital Treasury Services Account are not subject to any specific investment, market or transactional risk. As a result, monies invested into a Capital Treasury Services Account enjoy a very high level of security. In relation to Payment Services any sums received do not constitute a deposit as defined in Regulated Activities Order 2011, as amended and are not covered by any compensation scheme.
Further Information For more information go on-line to our web portal at www.capital-cts.com or alternatively contact us at the details below: E-mail: Telephone: In writing:
info@capital-cts.com +44 (0) 1624 654299 Capital Treasury Services Limited Capital House, Circular Road, Douglas, Isle of Man, IM1 1AG
This document has been prepared for information purposes only and does not constitute an offer or an invitation, by or on behalf of Capital Treasury Services Limited, to buy or sell any security. Nor does it form a constituent part of any contract that may be entered into between us. This document is deemed to have been delivered in the Isle of Man. Capital Treasury Services Limited makes no representation that the material contained is appropriate or available for use in locations outside the Isle of Man and is not soliciting business from any location outside the Isle of Man. The information contained herein is believed to be correct, but its accuracy cannot be guaranteed. Any reference to past performance is not necessarily a guide to future performance. Opinions constitute our judgement at the date of writing and are subject to change. Capital Treasury Services Limited is licensed by the Isle of Man Financial Supervision Commission holding licenses for the following regulated activities: Class 2 Investment Business - sub-classes (3), (4), (6) and (7) and Class 8 Money Transmission Services - sub-class (2) as defined within the Financial Supervision Commission Financial Services Act 2008.
Capital Treasury Services
Capital Treasury Services Limited Capital House Circular Road Douglas Isle of Man IM1 1AG www.capital-cts.com T : +44 (0) 1624 654299 F: +44 (0) 1624 654291 E: info@capital-cts.com Capital Treasury Services Limited is a member of the Capital International Group Capital Treasury Services Limited is licensed by the Isle of Man Financial Supervision Commission Registered Address: Capital House, Circular Road, Douglas, Isle of Man, IM1 1AG
Winner 2010 Company of the Year
Capital International Group Isle of Man Newspapers
awards for
excellence
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