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Corporate and Business Banking

WHY DO I BELIEVE?

Banif Bank’s team of professional bankers is committed to supporting commercial customers grow and prosper. Whether I’m heading a start-up or a global venture, I can rely on Banif Bank to be a trusted partner in my journey.

The Corporate and Business package from Banif Bank offers me a convenient and holistic banking experience powered by the Bank’s wide array of products, services and expertise. I can benefit from a differentiated service based upon customer-centricity and trust given by a team of professional bankers.

As a customer of Banif Bank I have access to the expertise and acumen of a team of dedicated professionals. The Bank is actively focused on providing me with a whole range of banking services centred on my business needs, from maximising deposit returns to various types of capital and financing options.

WHY DO I CHOOSE BANIF?

Banif’s vision is built on a strong idea - The Power of Believing. A core-domestic Maltese Bank offering the full range of commercial banking services and products, Banif Bank Malta is a key financial institution in the market, distinguishing itself by its fresh approach and its high standards in customer care.

Banif Bank operates a ‘banking made simple’ model with a focus on customer relationships.

Business Banking

My Corporate Relationship Manager will visit me on a regular basis with the objective of better understanding my business operations and assessing my banking requirements. Following a comprehensive analysis of my business cycle and requirements, Banif Bank will propose a customised financial solution tailored to my needs which may include:

Biz Flex Term Deposit

The Biz Flex Term Deposit Account from Banif gives me the chance to deposit funds I may have in hand for a time period, with the flexibility of partial or full withdrawals during the term, for added flexibility, no questions asked!

Key features:

• available in 3, 6 and 12-month terms;
• customers who avail themselves from the withdrawals prior to maturity can still earn interest on both the amount withdrawn and on the remaining amount kept in the Biz Flex Account; and
• Tte Account, denominated in euro, can be opened with a minimum balance of €100,000.

Credit Line

My business may require more than one banking facility, hence following a comprehensive analysis of my business cycle and requirements, Banif will propose a Credit Line tailored to my business needs. Acknowledging that every business is unique, my Corporate & Business Banking team will develop a tailor-made financial package that fits my specific requirements, which may include any or all of the following banking services or facilities:

Business Current Account

The Business Current Account from Banif offers me the possibility of issuing cheques, standing orders and payment orders. It can be easily managed via Banif@st internet banking and is also available in major foreign currencies.

Business Overdraft

My business requires an element of financial flexibility in order to be prepared for unexpected eventualities. An overdraft facility operated as a limit on my Business Current Account, enables me to have funds available to meet my daily working capital requirements.

Normally overdrafts are easy and quick to arrange and therefore I will have access to the required funds in a short period of time. My Customer Relationship Manager will be available to discuss my plans and needs and propose an overdraft limit and interest rate which best suits my business.

Overdraft facilities are cost-efficient as interest is only paid on the amount I use. I can ulitise my overdraft to suit my temporary cash flow shortfalls and I will repay withdrawn balances once I have the funds available.
Although repayable on demand, the term of my business overdraft can be tailored to suit my requirements. Overdrafts are normally reviewed every six months or at other agreed intervals.

Business Loans

I will have access to flexible Business Loans that can be applied to diverse range of business capital requirements, from acquiring new premises to set up my own business, to obtaining finance to expand my business into new markets. The Business Loan can also be tailored to any other purpose according to my business needs.

Trade Finance

Banif Bank (Malta) plc offers a comprehensive range of trade finance services for the business community engaged in trading activities. These services carry attractive and competitive interest rates, and the Bank facilitates trading activity further, through close links with other correspondent banks.

As a Corporate & Business client, I have the opportunity to make use of customised solutions aimed to facilitate trade processes with foreign markets.

Key services include:

• documentary credits;
• documentary collections; and
• documentary guarantees.

Other Services

If my business requires more than one banking facility, my Corporate & Business Banking team can also cater for any, or a combination, of the following services:

• Signature Credit (including avilisation of bills);
• Punctual Operations such as Overdrafts and Advances against future allocations and invoices;
• Analysis of cash flow requirements;
• Foreign Currency Accounts;
• Cash Letters;
• Direct Credits;
• Direct Debits;
• Foreign Currency Exchange Services;
• Free Business Internet Banking;
• Free Business Cheque Book; and
• Credit and Debit Cards.

Visit our Business Centres

Terms and conditions apply. Facilities are subject to the Bank’s lending criteria. Banif Bank (Malta) plc is a credit institution licensed to undertake the business of banking by the MFSA in terms of the Banking Act 1994 and is a member of the Depositor Compensation Scheme established under the Depositor Compensation Scheme Regulations (Legal notice 385 of 2015). Registered in Malta C41030 – 203, Level 2, Rue D’Argens, Gzira, GZR 1368, Malta.


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©2008 - Banif Bank (Malta) plc - All Rights Reserved
Banif Bank (Malta) plc is a credit institution licensed by the MFSA to undertake
the business of banking in terms of the Banking Act 1994.