DTDM Investiments Brochure

CONTENTS 4. The company 8. Our values 12. Our results 15. Finances 16. Investments 19. Import & exports

THE COMPANY DTDM is one of the world’s largest banking and financial services organisations. With around 6,000 offices in both established and emerging markets, we aim to be where the growth is, connecting customers to opportunities, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.

We serve more than 47 million customers through our four Global Businesses: Retail Banking and Wealth Management, Commercial Banking, Global Banking and Markets, and Global Private Banking. Our network covers 71 countries and territories in Europe, Asia, the Middle East and Africa, North America and Latin America.

Listed on the London, Hong Kong, New York, Paris and Bermuda stock exchanges, shares in DTDM Holdings are held by about 213,000 shareholders in 132 countries and territories.

We could help you achieve your goals and ambitions with our range of credit and lending facilities.

Open the door to new ventures

Your business partner for growth Leverage the strength of our specialised lending business for tailored trade finance solutions designed specifically for businesses that produce, trade and purchase commodities including energy, metals and agriculture. Our commodity and structured trade finance team understands that every player along the global supply chain – from production to transformation to marketing – has specific financing requirements, and

Strategies that suited the aftermath of the financial crisis need revising. Otherwise there is a risk of economic growth actually reducing net economic benefit

with product specialists located across Europe, Asia, the Middle East and the Americas, we are able to provide traditional and structured trade financing solutions in both emerging and developed markets that are customised to meet your specific needs.

OUR VALUES At DTDM, how we do business is as important as what we do. We seek to build trustbased and lasting relationships with our many stakeholders to generate value in society and deliver long-term shareholder returns.

Our values reflect the best aspects of our 150-year heritage. They are critical to fulfilling our purpose of helping businesses to thrive, economies to prosper and people to realise their ambitions.

The scale of our operations makes our values all the more important.

We serve more than 47 million customers around the world, ranging from individuals to the largest of companies. We are committed to conducting our business in a way that delivers fair value to customers, strengthens our communities and helps ensure a properly functioning financial system.

We employ more than a quarter of a million people, and provide opportunities for professional development and personal growth. Our people represent more than 150 nationalities and reflect our diversity

By setting the highest standards of behaviour our aim is that all of our employees and customers can be proud of our business

and reach. We value diversity as essential to who we are and our ability to fulfil our purpose. Our training programmes reinforce a culture that is grounded in our values. In 2015, we completed a three-year programme of values-led leadership training for all employees.

We want to recognise and reward people for doing the right thing. Every employee’s conduct during the year is taken into account during their performance appraisal. We also encourage employees to recognise the efforts of colleagues whose behaviour and actions exemplify our values.

Our values define who we are as an organisation and what makes us distinctive. We believe in acting with courageous integrity.

Our objective is to be the world’s leading and most respected international bank We have developed a long-term strategy that reflects our purpose and distinctive advantages: A network of businesses connecting the world: DTDM is well positioned to capture international trade and capital flows. Our global reach and range of services place us in a strong position to serve clients as they grow from small enterprises into large multinationals. Wealth management and retail with local scale: we aim to make the most of opportunities arising from social mobility, wealth creation and longterm demographic changes in our priority growth markets. We will invest in full-scale retail businesses in markets where we can achieve

Create value for our customers and shareholders and contribute to the longterm sustainability of DTDM

profitable scale. the international flow of goods, services and finance continues to expand, helped by the development of technology. Of the world’s top 30 economies, we expect those in Asia, the Middle East and North Africa to grow about threefold by 2050.

This growth is bringing millions of people into the global middle class, especially in Asia. Meanwhile, the world’s population aged 60 and above will more than double from less than one billion in 2015 to more than two billion by 2050.

DTDM is one of the few truly international banks. We have an unrivalled global presence with access to more than 90 per cent of global GDP, trade and capital flows. Our network connects faster-growing and developed markets. We have a diversified universal banking model that supports a strong capital and funding base, reduces our risk profile and volatility, and generates stable shareholder returns. These are distinctive competitive advantages.

FINANCIAL RESULTS

2015

120 105 90

INCOME

75

PROFIT TURNOVER

2009

2011

2013

2015

Make payments swiftly, efficiently and securely with our global payables service. Our payroll experts can help simplify the complexities of payroll management and our complete payroll solution may save your business time and effort. When doing business overseas, we believe it’s important to protect profits from the risks that come with fluctuating foreign exchange rates.

If your customers want to pay by card, our global receivables solutions can process your credit card payments quickly and efficiently. Using our preferred provider of merchant services, Global Payments allows you to accept payments online and in your retail outlet from both UK and overseas credit and debit cards. By providing your customers with a choice of ways to pay, we could help you improve your cash flow.

Conduct business with confidence, even where you lack established relationships, through the use of guarantees and standby letters of credit.

An DTDM guarantee could enable you to negotiate favourable terms with buyers and suppliers by protecting them from non-performance under a contract while addressing your financing needs. DTDM offers tailored solutions including performance, advance payment, tender, warranty, financial guarantees and standby letters of credit as well as others upon request.

Whatever your business goals, we’re here to help you achieve them. From business loans and business credit cards to invoice finance and commercial mortgages, we have a range of business finance solutions that could help your business grow. We work hard to provide access to funding so that you can work hard on what matters most.

FINANCE AND BORROWIN G Efficient and flexible, business cards are ideal for making secure payments in the UK and abroad. With our Business Credit Card, you can separate your personal and business spending and stay in control of your expenses with itemised statements.

Many businesses need access to finance in order to grow, which is why we approved 89% of business lending* (up to £300,000) and have £10bn to lend to small businesses. Whatever your business ambitions, we could help you achieve your goals with our range of credit and lending facilities. From small business loans and business overdrafts to invoice factoring and commercial mortgages, we’re here to help your business fulfil its potential.

We know your time is at a premium. That’s why we make it easy for you to find the cover you need. With everything from public liability insurance and employer’s liability insurance to fleet

insurance, shop insurance and commercial property insurance, we can introduce you to our preferred partners who can offer your business a tailored policy so that your protection needs are fully covered.

INVESTMENTS Increase the efficiency of your operations by managing cash on a portfolio basis across more than 50 markets around the world. With HSBC’s global liquidity solutions you will have access to a range of self-funding, deposit and investment techniques. HSBC’s liquidity solutions will be tailored and restricted so as to be fully compliant with local market regulations that may limit or restrict the availability of some of the services described below. HSBC’s approach combines a high level of consistent service and information, which enables us to configure our services to integrate easily with your organisation’s existing ERP and treasury management systems, as well as your key processes such as payable and receivables.

Cash concentration Eliminate idle balances across all of your company’s accounts with the ability to physically transfer (“sweep”) excess funds into a single master account.

Preserve capital and maintain liquidity. To support and grow your business, you need to make the most of excess balances. This involves not simply knowing where cash is, but also having the right tools to access and use funds in the most effective way possible.

Deposit account Earn greater interest on excess cash by holding it in an account separate from your primary business account.

Interest enhancement Improve credit interest rates with preferential pricing based on total balances across all of your accounts, regardless of location or currency.

Notional pooling Pool balances across several participating accounts in a single currency or multiple currencies to earn interest on the net aggregate without actually commingling funds.

We expect growth to remain sluggish. Household consumption prospects are suppressed by low confidence, high debt and the absence of private-sector job creation

We help businesses to trade overseas securely and cost effectively. We offer import and export businesses access to guarantees, global payments, trade finance and foreign exchange services, as well as providing expert assistance to help you gain from international opportunities.

IMPORTS AND EXPORTS If your business trades overseas, our international expertise could give you an advantage. With offices in markets worldwide, our export bills and export documentary credit solutions could remove some of the risks associated with global payments. And our foreign exchange service can help keep your trades competitive and your payments secure.

DTDM is the UK’s export credit bank. It helps UK companies by providing insurance to exporters and guarantees to banks to share the risks of providing export finance. In addition, it can make loans to overseas buyers of goods and services from the UK. DTDM is the operating name of the Export Credits Guarantee Department (ECGD).

DTDM works closely with exporters, banks, buyers and project sponsors and has 90 years’ experience of supporting exports to, and investments in, markets across the world. It does this principally by providing loans to buyers of UK goods and services and guarantees, insurance and reinsurance against loss, taking into account the government’s international policies.

www.dtdminvestments.com