Many businesses may not be fully aware of the risks they are facing in their day-to-day operations, which could hurt their productivity and profitability. But at Bank of the West, risk management is an integral part of everything we do.
Our experienced relationship managers help our clients identify their business risks and then pinpoint the most effective solutions and services to mitigate those risks while helping them achieve their overall business goals.
If a business is short on cash, we can help determine the best solution to bridge that gap, from loans and lines of credit to asset-based lending and working capital solutions.1 If a business has excess cash, we can help maximize returns through a wide array of fixed income investment and deposit products.
Interest rate risk
To help you customize or reduce your interest rate uncertainties, we offer interest rate risk derivative solutions.2 These can be useful in addressing needs such as locking in a fixed interest rate on a forthcoming loan funding or refinancing, converting existing floating rate loan outstandings to fixed rates, or reducing the variablitliy in your overall expenses by fixing your interest expense.
Foreign country and currency risk
Understanding your company’s exposure across borders, including earning profits in one currency while being invoiced in another currency, is a critical part of managing risk. Our global trade solutions can help mitigate the risk of conducting cross-border business.
And our foreign exchange experts can help manage currency movements with customized hedging strategies3 to protect and potentially improve profitability wherever a business operates.
For companies with one or more commodities central to their operations, price volatility and market complexity can take a negative toll on business performance.
To manage that volatility and complexity, we help businesses that use or sell large amounts of a commodity lock in the cost of an input or the price of an output for a set period of time using commodity product solutions.
1Credit subject to approval.
2Non-deposit investment products are (i) not insured by the Federal Deposit Insurance Corporation (FDIC); (ii) not deposits or other obligations of the financial institution and are not guaranteed by the financial institution; and (iii) subject to market fluctuations or investment risks, including possible loss of value and/or loss of the principal invested. Certain investment-based products may be offered through BNP Paribas Securities Corp.
3Foreign Exchange products are subject to certain risks and may result in possible financial loss. Certain foreign exchange products such as FX swaps and FX options may not be suitable for all clients. Please seek any advice you deem necessary prior to entering into these transactions. The information herein was prepared by sales and traders from Bank of the West and does not constitute an offer or solicitation to transact in any securities, foreign exchange, derivatives or other financial instrument or investment. It is communicated to you for informational purposes and any terms set forth herein are indicative and for discussion purposes only. Bank of the West gives no assurance that any transaction will be entered into on the basis of any such indicative terms. In addition, Bank of the West reserves the sole right to update, enhance, withdraw or retire any parts of its current product offerings.
Investment and Insurance Products:
- NOT FDIC INSURED
- NOT BANK GUARANTEED
- MAY LOSE VALUE
- NOT A DEPOSIT
- NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY