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Institutional

Corporate & Institutional

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Minimum $50M in institutional mandate

Corporations & Institutions

Institutional-grade solutions.
Global reach.

Najem Financial serves corporations, governments, sovereign wealth funds, asset managers, and financial institutions with the depth and discretion that institutional banking demands. Our solutions operate at the intersection of global treasury, capital markets, and risk management.

  • Global treasury & cash management
  • Capital markets & debt advisory
  • Syndicated lending & project finance
  • Trade finance & guarantees
  • Institutional custody & fund admin
  • Risk, hedging & derivatives
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ZIGBANK INSTITUTIONAL TERMINAL   v4.2 Sun, Apr 5 08:49 UTC
EUR/USD 1.0842 +0.12%
USD/JPY 149.63 -0.08%
GBP/USD 1.2641 +0.04%
SOFR 5.31% 0.00%
EURIBOR 3.82% -0.01%

Treasury Positions

Cash Pool (USD)

$842.3M

8 entities consolidated

FX Exposure

$124.7M

EUR, GBP, JPY hedged

CP Outstanding

$200.0M

Avg maturity 42 days

Yield Curve — US Treasuries

Recent Activity

09:14
Wire executed  USD 12,400,000 → Frankfurt Nostro
08:52
FX Forward booked  EUR 5M @ 1.0845  exp. 90d
07:30
Cash sweep completed  12 subsidiaries pooled
SWIFT GPI Certified
ISO 20022 Compliant
SOC 2 Type II Audited
FATCA Registered
FSB G-SIB Standards

Our Capabilities

Institutional Solutions

End-to-end capability across the full institutional banking spectrum — from single-currency treasury operations to multi-billion dollar syndicated financing and global custody.

Global Treasury Management

Multi-currency cash pooling across notional and physical structures. Automated concentration and zero-balancing. Controlled disbursement. Real-time global liquidity reporting across unlimited entities, accounts, and currencies — all through a single portal with API connectivity to your TMS.

Capital Markets

Equity and debt capital raising, underwriting, private placements, structured notes, and secondary market execution across US, European, and Asian markets. Our capital markets team provides origination, bookrunning, and distribution capability for investment-grade and sub-investment-grade issuers.

Syndicated Lending

Agent bank and participant roles in syndicated credit facilities, project finance, leveraged buyout financing, and infrastructure lending from $50 million upward. Deep origination capability in the Americas, EMEA, and Asia Pacific. Bilateral and club structures also available.

Trade Finance

Documentary credits, bank guarantees, standby letters of credit, supply chain financing, documentary collections, and structured trade risk mitigation products. Coverage across 45 countries with in-country expertise in high-growth and emerging market corridors.

Risk & Derivatives

FX hedging, interest rate swaps, cross-currency swaps, commodity derivatives, and bespoke structured risk solutions — OTC and exchange-traded. Our derivatives desk operates under ISDA master agreements and provides full mark-to-market reporting and hedge accounting support.

Institutional Custody

Asset safekeeping, global securities settlement, corporate actions processing, income collection, proxy voting, and fund administration for asset managers, insurance companies, and pension funds. Sub-custody arrangements available in 30+ markets.

Technology & Infrastructure

Data-Driven Treasury Intelligence

Our Institutional Portal gives CFOs, group treasurers, and their teams a consolidated, real-time view of global cash positions, FX exposure, interest rate sensitivity, and counterparty risk — across every subsidiary, jurisdiction, and currency in which your organisation operates. There is no end-of-day batch processing. Positions update in real time as transactions flow through the SWIFT network.

Najem Financial is a SWIFT GPI Certified member, meaning all cross-border payments are tracked end-to-end with transparency on fees, FX rates, and processing times at every correspondent banking hop. ISO 20022-compliant messaging rails ensure that rich remittance data travels with every payment — eliminating the reconciliation friction that legacy MT message formats create.

Our API banking layer provides certified, real-time integrations with SAP S/4HANA, Oracle Fusion, Kyriba, GTreasury, and ION Treasury — meaning your bank data flows directly into your existing ERP and TMS workflow without manual export, middleware translation, or reconciliation delay. Intraday balance reporting via H2H, SFTP, or REST API with sub-minute refresh intervals.

SWIFT GPI

Certified member — end-to-end tracking

ISO 20022

Full compliance — rich data messaging

API Banking

REST, SFTP, H2H — sub-minute refresh

SOC 2 Type II

Annual independent security audit

Global Cash Pool Performance

12-Month Liquidity Overview

Live

Global Footprint

Institutional Presence in 45 Countries

Four regional hubs. Forty-five country desks. A single global relationship director who coordinates your entire banking relationship across every jurisdiction in which you operate.

Americas

$28B / yr

New York • Toronto • Sao Paulo • Mexico City

18 country desks. $28B in annual transaction volume.

EMEA

$14B / yr

London • Frankfurt • Paris • Dubai • Johannesburg

16 country desks. $14B in annual transaction volume.

Asia Pacific

$6B / yr

Singapore • Hong Kong • Tokyo • Sydney • Mumbai

9 country desks. $6B in annual transaction volume.

Middle East

$2B / yr

Dubai • Abu Dhabi • Riyadh • Doha

4 country desks. $2B in annual transaction volume.

Correspondent Banking

A Network Built for Institutional Scale

Najem Financial's correspondent banking network has been built deliberately over 35 years — not assembled through acquisitions. Every correspondent relationship is actively managed by a dedicated correspondent banking team, with real-time SWIFT GPI tracking ensuring that every payment, in every corridor, is visible from initiation to final credit.

For multinational corporations, this means that a USD payment initiated in your New York treasury operation arrives in a Frankfurt subsidiary account the same day — with full fee transparency, no hidden exchange rate markups, and a complete audit trail that satisfies your internal compliance team and external auditors alike.

Our trade corridors in emerging markets — across Sub-Saharan Africa, South and Southeast Asia, and Latin America — are maintained with in-country legal and regulatory expertise that most global banks cannot match. We hold banking licences or representative office status in 18 markets where our competitors rely on third-party correspondents, giving your transactions priority routing and faster resolution when issues arise.

All correspondent relationships are subject to annual enhanced due diligence reviews, KYC/AML refresh cycles, and FATF-aligned risk-based monitoring — giving your compliance and risk teams the comfort of knowing that your banking counterparty maintains the same standards you do.

Onboarding Process

From Mandate to Go-Live

Institutional onboarding is a structured, milestone-driven engagement. Our dedicated onboarding team has delivered go-live for clients ranging from mid-size corporates to G20 sovereign entities.

01

Mandate & Scope

An initial engagement meeting with a senior relationship director to define the scope of services, jurisdictions, currencies, entities, and integration requirements. A detailed term sheet covering pricing, SLAs, and credit facilities is issued within five business days of the mandate call.

02

KYC / AML Documentation

Our institutional KYC team runs a structured onboarding process aligned to FATF recommendations and our own enhanced due diligence framework. A dedicated KYC analyst is assigned. Typical institutional KYC completion time is 10–15 business days for standard corporates, 20–30 for sovereign and regulated entity clients.

03

Account & Entity Structure

Account hierarchy design covering operating accounts, notional pooling structures, overlay structures, concentration accounts, and any required special-purpose vehicles. Our cash management team prepares a detailed structure diagram and accompanying account mandate documentation for sign-off.

04

Systems Integration

Your IT and treasury team work with our integration specialists to configure SWIFT connectivity (BIC setup, H2H channel, or API), ERP integration (SAP, Oracle, Kyriba), TMS file formats (MT940, BAI2, camt.053), and user access provisioning for all portal users across all entities.

05

Testing & UAT

A structured user acceptance testing period in our sandbox environment. Payment flows, balance reporting, FX transactions, and cash pool sweeps are all tested with synthetic data. Regression testing is performed for any ERP or TMS integration. Sign-off from your treasury and IT teams before production go-live.

06

Go-Live & Hypercare

Production go-live with a dedicated hypercare team on standby for the first 30 days. A senior relationship director is available in real time during the first week of live operations. Post go-live, a 90-day review is scheduled to assess performance, resolve any configuration adjustments, and confirm SLAs are being met.

$50B+

Processed Annually

Across all institutional mandates and payment corridors

45

Countries Supported

With in-country legal and regulatory expertise

AAA

Credit Rating

From Moody's, S&P, and Fitch — maintained since 1998

24/7

Institutional Operations Desk

Staffed around the clock across three time zones

Who We Serve

Clients We Serve

Large Corporations

Fortune 500 & mid-market multinationals

Government Entities

Ministries, agencies & public bodies

Sovereign Wealth Funds

State-owned investment mandates

Asset Managers

PE, hedge funds & real estate GPs

Pension & Endowments

Defined benefit & endowment funds

Financial Institutions

Banks, insurance & broker-dealers

Our Clientele

Breadth, Depth, and Discretion

Najem Financial's institutional practice covers the full spectrum of sophisticated financial counterparties — from large investment-grade corporates running global treasury operations with hundreds of subsidiaries, to sovereign wealth funds requiring bespoke custody and investment management arrangements, to regional banks seeking a reliable correspondent banking partner for their emerging market currency flows.

Our government and public sector practice serves finance ministries, central banks, development finance institutions, and multilateral agencies. We understand the procurement requirements, disclosure obligations, and governance frameworks that public sector clients operate under — and we structure our relationship accordingly from the first conversation.

For asset managers and alternative investment managers, we provide prime brokerage support, fund administration, institutional custody, and capital introduction services — with the operational infrastructure to support fund vehicles domiciled in major offshore and onshore jurisdictions.

Financial institution clients — including other banks, insurance companies, and broker-dealers — access our network for correspondent banking, sub-custody, foreign exchange, and inter-bank lending. All FI relationships are subject to our enhanced FI due diligence framework, ensuring that our correspondent network remains clean, compliant, and strategically curated.

Corporations & Institutions

Ready to Talk Institutional?

Our institutional relationship directors are available for confidential, in-depth conversations about your treasury, capital markets, trade finance, or lending requirements. No standard web forms. No call centres. A direct conversation with a senior banker who understands your business.

Contact a Relationship Director Access Institutional Portal

All institutional banking services are subject to applicable regulatory requirements, credit assessment, and compliance review. Najem Financial is regulated by the relevant financial authorities in each jurisdiction in which it operates. Information provided on this page is for informational purposes only and does not constitute a commitment to lend or provide services.