• Loans and Trading Finance
• Property Lending
• Asset Finance
• Vehicles
• Risk Management
  • Interest Rates
  • Foreign Exchange
  • Commodities
  • Inflation

Interest rates

Managing your exposure to changes in interest rates

• Reducing the impact of interest rate volatility on cash flow
• Managing exposure to movements in rates
• Providing solutions to suit risk appetite and interest rate sensitivities

As your business develops and funding requirements change, so will your sensitivities to movements in interest rates. At Bank of Scotland Treasury we will work with you to understand your evolving requirements, analysing future cash flows and the impact that any rate movements would have on these flows. Together we will discuss the various options available and devise a hedging strategy to best suit your needs. However, it won't end there; we understand that circumstances change, sometimes not as anticipated so we will review risk management strategies regularly to check these still fit with your underlying business needs.

We offer a number of solutions to manage interest rate risk, from a fixed rate loan or interest rate swap which provides certainty of cash flow to more flexible products which enable protection against future rate increases but facilitate participation in any downward movement in rates. We can also structure more complex solutions using a combination of products to fit your business requirements.

Don't take our word for it

Listen to what our customers have to say, like Richard Gilliland (opens new window), Finance Director at City Site Estates plc.