The key to an effective treasury function is to manage financial risk within an established framework of controls, systems and expertise which provides clear reporting to the Asset and Liability Committee (ALCO) and Board.

We will work with you to achieve the most effective treasury management possible through:

• Identifying, measuring, managing and reporting financial risk
• Maximising returns while meeting new FSA liquidity requirements
• Funding cost-effectively from a range of sources
• Adding real value to treasury

We believe treasury must be viewed as a critical element in margin management and product development.