Knowra Corporate banking Corporate banking Corporate banking provides financial services to companies, including credit, payments, trade finance, and cash management. It serves businesses through tailored products and ongoing client relationships.
Cash management : A set of services and practices for managing an organization’s cash flows, balances, and liquidity. Corporate banks help companies forecast cash needs, consolidate balances, and control payments.
Credit analysis : The assessment of a borrower’s ability and willingness to repay debt. Banks use it to judge whether a company qualifies for credit and on what terms.
Commercial bank : A financial institution that accepts deposits and provides loans and payment services to businesses and individuals. Corporate banking is commonly delivered by the business-facing divisions of commercial banks.
Retail banking : Banking services provided primarily to individuals and households. Retail banking targets personal finances rather than companies’ operating and financing needs.
Financial intermediation : The channeling of funds between savers and borrowers through institutions such as banks. Corporate lending connects bank funding with companies seeking external capital.
Trade finance : Financial products that facilitate domestic and international trade by managing payment, delivery, and credit risks. Banks help corporate clients pay suppliers and secure payment across trade transactions.
Debt covenant : A contractual condition in a debt agreement that restricts borrower actions or requires specified financial performance. Covenants help lenders monitor and limit risks after a corporate loan is issued.
Corporate finance : The management of a company’s funding, investments, capital structure, and financial decisions. Corporate banking provides external financing and transaction services used in corporate finance.
Private banking : Personalized financial services for affluent individuals and families. Its clients are wealthy people, while corporate banking serves business entities.
Trade credit : Short-term credit extended by a seller to a buyer through delayed payment for goods or services. It complements bank trade finance but arises directly between companies.
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