| Financing solutions | https://www.bil.com/en/corporations/public-sector/Pages/financing-solutions.aspx | Financing solutions | | <!-- section : personne responsable -->
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<p>Phone: <a href="tel:+35245905000"><i class="fa fa-phone"></i> <strong>+352 4590-5000</strong></a><br>Mail: <a href="mailto:contact@bil.com"><i class="fa fa-envelope"></i> <strong>contact@bil.com</strong></a></p>
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<div data-section="Meet your working capital requirements" class="section-default">
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<h2 class="title-2">Meet your working capital requirements</h2>
<p><strong>Do you need to deal with occasional or regular cash shortfalls?</strong></p>
<p>BIL offers you various financing options specifically suited to your cash requirements:</p>
<ul class="list-check">
<li><strong>Overdraft facilities</strong> (confirmed) or current account overdraft facilities (unconfirmed).</li>
<li><strong>Term loans</strong>, Money Market, cash advances.</li>
</ul>
<p><strong>To find out more about our cash management solutions, please <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx" title="Contact">get in touch</a> with your BIL Relationship Manager.</strong></p>
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<div data-section="Finance your investments" class="section-default is-silver">
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<h2 class="title-2">Finance your investments</h2>
<p><strong>Do you plan to invest in new infrastructure, facilities or public buildings or in new technologies and innovative projects?</strong></p>
<p>BIL provides effective arrangements to support your investment plans:</p>
<ul class="list-check">
<li>A wide range of <strong>investment loans</strong>.</li>
<li><strong>Arrangement of debt issue programmes and club deals</strong> on the Luxembourg market: documentation, syndication, etc.</li>
<li><strong>Origination</strong> of bond issues and rating advice, etc.</li>
<li><strong>Participation in disintermediated financing</strong> such as the Schuldscheindarlehen.</li>
<li><strong>Project Finance</strong> and financial & legal engineering, etc.</li>
</ul>
<p><strong>To find out more about our structured financing solutions, please <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx" title="Contact">get in touch</a> with your BIL Relationship Manager.</strong></p>
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<div data-section="Leasing solutions" class="section-default">
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<h2 class="title-2">Leasing solutions</h2>
<p><strong>Leasing represents an attractive alternative to a traditional loan and an increasingly popular financing solution in the public sector.</strong></p>
<p>Leasing enables you to renew your movable capital equipment (IT systems, vehicles, telephone systems, etc.) without having to dip into your own funds.</p>
<h3 class="title-3">How leasing works:</h3>
<p>You select your equipment and your supplier. BIL Lease purchases the equipment and leases it to you through a lease agreement. The term of this agreement corresponds to the economic lifespan of the asset. Lease charges can be monthly, quarterly, half-yearly or annual. You have three withdrawal options on expiry of the contract:</p>
<ul class="list-check">
<li>To purchase the equipment at the initially agreed residual value.</li>
<li>To extend the lease with a lower lease payment.</li>
<li>To return the equipment to BIL and arrange an agreement for new equipment.</li>
</ul>
<h3 class="title-3">The benefits of leasing:</h3>
<ul class="list-check">
<li>Goods fully financed without using your special budget.</li>
<li>Fixed pre-agreed lease payments for the entire period of use of the asset.</li>
<li>Ease of replacement of used equipment.</li>
</ul>
<p><strong>Your BIL Relationship Manager is your main point of contact to analyse your needs and advise you.</strong></p>
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| Hedging solution | https://www.bil.com/en/corporations/public-sector/Pages/hedging-solutions.aspx | Hedging solution | | <!-- section : personne responsable -->
<div data-section="Introduction" class="section-default is-silver">
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<p>Phone: <a href="tel:+35245905000"><i class="fa fa-phone"></i> <strong>+352 4590-5000</strong></a><br>Mail: <a href="mailto:contact@bil.com"><i class="fa fa-envelope"></i> <strong>contact@bil.com</strong></a></p>
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<div data-section="Hedge against rate and currency risks" class="section-default">
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<h2 class="title-2">Hedge against rate and currency risks</h2>
<p><strong>Do you want to guard against interest-rate fluctuations and manage your financial costs more effectively?</strong></p>
<p>Are you considering a currency hedge?</p>
<p>BIL offers you suitable solutions for optimal hedging against currency risks:</p>
<h3 class="title-3">Interest-rate hedging</h3>
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<li>Floor, cap and collar options on interest rates.</li>
<li>Interest Rate Swaps (IRS): e.g. from a variable rate to a fixed rate.</li>
<li>Forward Rate Agreements, etc.</li>
</ul>
<h3 class="title-3">Currency hedging</h3>
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<li>Spot transactions.</li>
<li>Currency futures.</li>
<li>Forward foreign exchange contracts (Forwards).</li>
<li>Currency swaps.</li>
<li>Currency options (calls, puts).</li>
<li>NDFs (Non Deliverable Forwards) and NDOs (Non Deliverable Options), etc.</li>
</ul>
<p><strong>To find out more about our risk management solutions, please contact your BIL Relationship Manager now.</strong></p>
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<div data-section="Cover your operational risks" class="section-default is-silver">
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<h2 class="title-2">Cover your operational risks</h2>
<p><strong>Are you trying to manage your operational and financial risks?</strong></p>
<p>BIL offers you proven solutions:</p>
<h3 class="title-3">Financial guarantees</h3>
<p>BIL will commit itself and provide, subject to approval of your application, a solid financial guarantee without you having to commit your own resources: payment guarantees, performance bonds, guarantee of refund of deposits, customs guarantee, guarantee of release, etc.</p>
<h3 class="title-3">Fiduciary escrow agreements</h3>
<p>Fiduciary escrow agreements provide an effective legal solution. BIL can act as an Escrow-Fiduciary to facilitate a transaction (development of a building project, investment in high-technology equipment, etc.) in which there is a transaction-related risk (risk of default, technology risk, etc.).</p>
<p>To find out more, please <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx" title="Contact">get in touch</a> with your BIL Relationship Manager.</p>
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| Investment solutions | https://www.bil.com/en/corporations/public-sector/Pages/investment-solutions.aspx | Investment solutions | | <!-- section : personne responsable -->
<div data-section="Introduction" class="section-default is-silver">
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<p>Phone: <a href="tel:+35245905000"><i class="fa fa-phone"></i> <strong>+352 4590-5000</strong></a><br>Mail: <a href="mailto:contact@bil.com"><i class="fa fa-envelope"></i> <strong>contact@bil.com</strong></a></p>
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<div data-section="Generate a return on your cash surpluses" class="section-default">
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<h2 class="title-2">Generate a return on your cash surpluses</h2>
<p><strong>Put your surplus cash to work, with BIL's wide range of savings and investment solutions.</strong></p>
<p><strong>BIL Cash +</strong>: a straightforward savings product offering an attractive return and permanent accessibility.</p>
<p><strong>Cash deposits</strong>: the funds are frozen for a specific term ranging from 7 days to 12 months in return for a guaranteed rate of interest.</p>
<p><strong>Cash SICAVs</strong>: according to the amount of cash available and the investment horizon, BIL offers a wide range of cash SICAVs issued by established asset management companies.</p>
<p><strong>To find out more about our range of products, please get in touch with your BIL Relationship Manager.</strong></p>
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<div data-section="Manage your financial reserves" class="section-default is-silver">
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<h2 class="title-2">Manage your financial reserves</h2>
<p><strong>Would you like to optimise the performance of your financial reserves?</strong></p>
<p>BIL assists you in identifying the most suitable investment products with regard to your cash requirements and investment horizon.</p>
<ul class="list-check">
<li>Financial markets Investment funds, equities, bonds, derivatives, structured products, etc.</li>
<li>Investments in commercial paper (Euro commercial paper): Multi-currency and multi-issuer.</li>
<li>Fiduciary deposits and certificates.</li>
<li>Investments in physical or paper-based precious metals.</li>
</ul>
<p>You can also use a discretionary mandate to delegate the management of your reserves to us.</p>
<p>This gives you the benefit of long-term expert support. Our experts use an active, personalised investment management approach based on your target returns and desired risk profile.</p>
<p><strong>To find out more about our range of products, please <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx" title="Contact">get in touch</a> with your Relationship Manager.</strong></p>
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| Payment solutions | https://www.bil.com/en/corporations/public-sector/Pages/payment-solutions.aspx | Payment solutions | | <!-- section : personne responsable -->
<div data-section="Introduction" class="section-default is-silver">
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<p>Phone: <a href="tel:+35245905000"><i class="fa fa-phone"></i> <strong>+352 4590-5000</strong></a><br>Mail: <a href="mailto:contact@bil.com"><i class="fa fa-envelope"></i> <strong>contact@bil.com</strong></a></p>
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<div data-section="Online banking solutions" class="section-default">
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<h2 class="title-2">Online banking solutions</h2>
<p><strong>Online banking provides a number of benefits!</strong></p>
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<li><strong>Time savings and responsiveness:</strong> by means of a simple Internet connection, you can access all the relevant information about all your accounts and quickly make transfers 24/7.</li>
<li><strong>Ease of use:</strong> you can manage all your accounts, including international transactions, simply and securely.</li>
<li><strong>Fees:</strong> you enjoy attractive terms for a number of services.</li>
</ul>
<p><strong>BIL offers you highly practical solutions:</strong></p>
<ul class="list-check">
<li><strong>BILnet Pro</strong>: the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx" title="BILnet online banking">BILnet Pro</a> Internet platform enables the processing of transactions that require approval by multiple users based on their authorisation limits. This is the case in particular for transfers that require management authorisation (payroll, payments to suppliers, etc.).</li>
<li><strong>MultiLine</strong>: you have direct access to all your professional accounts with BIL and in other banks in Luxembourg. This platform makes managing your organisation's finances easier and enables you to make use of bank files in your management tools.</li>
</ul>
<p><strong>Please <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx" title="Contact">contact</a> your BIL Relationship Manager to find out more about our <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx" title="BILnet online banking">online banking</a>
solutions.</strong></p>
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<div data-section="SEPA and SWIFT solutions" class="section-default is-silver">
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<h2 class="title-2">SEPA and SWIFT solutions</h2>
<p><strong>BIL offers a wide range of solutions for optimising and protecting cash flows while cutting down on paperwork:</strong></p>
<h3 class="title-3">Domestic transfers</h3>
<h3 class="title-3">SEPA European payment services:</h3>
<ul class="list-check">
<li><strong>Cash flow management</strong>: Cash inflows, payments and transfers in euro to and from the SEPA zone countries (28 EU member states, Norway, Iceland, Switzerland, Monaco and Lichtenstein).</li>
<li><strong>SEPA European direct debits</strong> for making payments to your usual providers by automatic direct debit within a specified deadline.</li>
<li><strong>SEPA Credit Transfers</strong> enable you to collect payments from clients or utilities in a secure and standardised manner.</li>
</ul>
<h3 class="title-3">International payment services:</h3>
<ul class="list-check">
<li><strong>Secure cash payments or transfers</strong>, in euro or in other <a href="https://finance.bil.com/BilNetFinancePlugin/Currencies.mvc/Calculator" title="Currencies">currencies</a>, in almost any country in the world thanks to a major network of international correspondents.</li>
</ul>
<h3 class="title-3">Access to the SWIFT system using your own access (SWIFT Member) or via MA-CUG BIL</h3>
<p><strong>BIL is a member of CLS and of all the European and Swiss clearing systems (EBA, SIC, Target2 and Step2). BIL is also a SWIFT Member-Concentrator.</strong></p>
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<div data-section="Cash pooling solutions" class="section-default">
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<h2 class="title-2">Cash pooling solutions</h2>
<p><strong>How can cash management be optimised and simplified within your organisation in Luxembourg and internationally?</strong></p>
<p>BIL offers you BIL Cash Pooling, an efficient global cash centralisation solution (zero-balancing).</p>
<p>The principles are simple:</p>
<ul class="list-check">
<li>All the contracting entities' cash positions are consolidated in one single account.</li>
<li>The debit positions of certain entities are offset against the others' credit positions.</li>
<li>Account pooling (repatriation or clearing) is carried out daily.</li>
</ul>
<p>This solution offers several benefits:</p>
<ul class="list-check">
<li>Optimise cash management across lines of credit. Financial fees automatically decrease.</li>
<li>Improved cash management of participating entities through centralising of operations.</li>
</ul>
<p><strong>Your Relationship Manager will introduce you to this offering and customise it according to your requirements.</strong></p>
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| Benefits for your employees | https://www.bil.com/en/corporations/public-sector/Pages/benefits-for-your-employees.aspx | Benefits for your employees | | <!-- section : personne responsable -->
<div data-section="Introduction" class="section-default is-silver">
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<p>Phone: <a href="tel:+35245905000"><i class="fa fa-phone"></i> <strong>+352 4590-5000</strong></a><br>Mail: <a href="mailto:contact@bil.com"><i class="fa fa-envelope"></i> <strong>contact@bil.com</strong></a></p>
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<div data-section="BIL Company Programme" class="section-default">
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<h2 class="title-2">BIL Company Programme</h2>
<p><strong>Offer your employees and their spouses exclusive banking benefits with the BIL Company programme!</strong></p>
<p>With a free subscription to BIL Company, you enable employees who open or hold a BIL account to benefit personally from preferential banking terms.</p>
<p>The BIL Company programme is particularly attractive for your organisation:</p>
<ul class="list-check">
<li>You secure your staff's loyalty through preferential banking terms.</li>
<li>You bear no additional costs.</li>
<li>You can adapt the offers connected with BIL Company to match your requirements.</li>
</ul>
<p><strong>Please <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx" title="Contact">get in touch</a> with your BIL Relationship Manager right away to find out more about all the benefits offered by BIL Company and implement this scheme in your organisation free of charge.</strong></p>
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<div data-section="Staff loyalty products" class="section-default is-silver">
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<h2 class="title-2">Staff loyalty products</h2>
<p><strong>For your employees, BIL's range of staff loyalty products represents a reward for their commitment and an attractive addition to their salary package.</strong></p>
<p>Furthermore, as an employer, your organisation enjoys greater commitment by its teams as well as highly attractive conditions with regard to employer contributions and taxation.</p>
<h3 class="title-3">Group insurance policies:</h3>
<p><strong>Employees benefit from additional insurance</strong> (pension, death, disability). The premium paid by the employer is not considered a benefit in kind and the benefits (on the policy's maturity) are not subject to tax in Luxembourg (potentially taxable for non-residents in their country of residence).</p>
<p><strong>Owing to the ability to deduct premiums</strong>, your organisation benefits from solution offering tax advantages.</p>
<h3 class="title-3">Vehicles:</h3>
<p><strong>The leasing options offered by BIL and its partners</strong> enable you to provide your employees with a vehicle while spreading the costs over the term of the lease. The vehicle can be financed through two BIL leasing options:</p>
<ul class="list-check">
<li><strong>Financial leases:</strong> the agreement includes financing the vehicle and can include registration costs and insurance.</li>
<li><strong>Operational leasing</strong>: this option, in addition to financing the vehicle, includes a series of usage-related costs such as regular maintenance or repairs. A variety of additional services can be provided: insurance, assistance, tyre replacement, a fuel card or even a replacement vehicle.</li>
</ul>
<p><strong>Your BIL Relationship Manager will introduce you to these solutions, in conjunction with our specialised subsidiaries.</strong></p>
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