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Commercial Bank

We help mid-sized companies with revenues starting from $10MM USD address the challenges of rapid growth and international expansion by rationalizing complicated legacy setups or allowing you to avoid them altogether, so that you can scale faster and grow larger.

 If you’d like to learn more, contact us below.

Who We Are

Citi Commercial Bank is here to turn banking into an enabler of your progress, rather than an obstacle to your success.

As mid-sized companies develop their businesses and enter new markets, they encounter increasingly complex challenges to their financial flow. Fragmented banking setups across multiple providers will magnify the problems and slow you down. But with the right solutions, you can use banking to improve your efficiency and unlock your full potential.

Citi has 200 years of experience guiding all types of clients from a variety of sectors through this journey, so we can tailor our solutions to address industry-specific nuances, whether you are faced with one, multiple, or all of the challenges listed above.

How We Help
Simplify Disparate Foreign Receivables & Reconciliation Challenges
Customers are more numerous and more global, and they expect to pay in their preferred currencies and formats, often on credit, leaving you with working capital gaps, the burden of reconciliation, and FX risks
Source More Sustainable & Cross-Border Funding
Rapid growth requires funding from more robust sources and the need to determine the right capital structure. International activity requires access to cross-border funding
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Pension and sovereign wealth funds rely on Citi to safeguard and centralize oversight of their assets across asset managers, markets, and securities.Pension and sovereign wealth funds rely on Citi
Minimize Ever-Increasing Payment Costs & Currency Risks
Payments now need to go out more frequently and in new currencies, which means balancing supplier demands vs. expensive wires or multiple currency accounts, adding to the cost of doing business
Untangle Complicated Trade Flows & Documentation
The varying needs between buyers and sellers has the potential to create funding gaps for one or both parties. Trade documentation with payment terms becomes more important, and more plentiful
Banks & Broker Dealers
The world's top-tier institutions choose Citi for our breadth of global access and local expertise, and ability to optimize their investment operations. The world's top-tier institutions choose Citi for our breadth of global access and local expertise, and ability to optimize their investment operations.
Reduce Reliance on Multiple Providers, Formats, and Integration
Bank network limitations and country regulations usually require you to establish a web of multiple partners, platforms, and tokens, which in turn requires more time and resources to manage
Improve Visibility & Unlock Trapped Liquidity
As you establish more accounts over time, your cash will become more and more dispersed
Insights
RISK & RESILIENCE
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23Institutional investors are increasingly taking control of their investments by managing them in-house. This has implications that extend beyond portfolio management and to manage assets in-house successfully, institutions need to build the supporting infrastructure. Traditionally, institutional investors have outsourced asset management to external managers. However, scrutiny on fees combined with a low yield environment has led many institutional investors to bring asset management in-house. In 2018, according to bfinance, almost 20% of institutional investors had increased the proportion of assets managed internally in the last three years and another 10% planned to in the following year. The insourcing trend is more prevalent among larger institutions, where 45% of institutions with assets above $25 billion manage a higher proportion of their assets in-house compared to three years ago. Furthermore, the world’s five largest sovereign wealth funds manage more than half of their assets internally, almost $2 trillion. Cost is usually the main driver for bringing asset management in-house and the savings can be significant. The California Public Employees’ Retirement System, the largest US pension fund, estimates that the transition to internal management and decreasing the number of outside consultants and advisors saved it $239 million in external management fees and operational expenses over the past seven years. Beyond cost savings, insourcing gives institutional investors more control of their investments, which can help better align them with their funds’ philosophies and beneficiaries’ beliefs. This is especially relevant to institutional investors who prioritize environmental, social, and governance-based investing principles because they can directly engage with companies in which they invest, through proxy voting, shareholder filings, and on-site due diligence.
RISK & RESILIENCE
An Overview of Fraud and Cybersecurity
Protecting against the threats and attacks that fraud and cybersecurity pose is an ever-increasing concern for businesses today. For many, it has become imperative to safeguard their, it has become imperative to safeguard their, it has become imperative to safeguard their, it has become imperative to safeguard their.
RISK & RESILIENCE
An Overview of Fraud and Cybersecurity
Protecting against the threats and attacks that fraud and cybersecurity pose is an ever-increasing concern for businesses today. For many, it has become imperative to safeguard their organizations from such dangers.
Get in touch
If you’d like to learn more, contact us