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Matt Gelles
Managing Director
Derivatives Products Group
The PNC Financial Services Group
215-585-9668
matthew.gelles@pnc.com
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Mitigating the Risk of Future Borrowing

Pre-Issuance interest rate risk management enables companies with future debt capital needs to put in place a strategy and execute meaningful hedges to mitigate the risk of increases in future borrowing costs.

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Mitigating the Risk of Future Borrowing

Mitigate Risk: Additional Features
  • Mitigating the risk of future borrowing costs: A derivatives strategy 

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    Pre-Issuance interest rate risk management enables companies with future debt capital needs to put in place a strategy and execute meaningful hedges to mitigate the risk of increases in future borrowing costs.

  • The impact of healthcare consumerism on companies

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    Companies are facing an environment of constant change in healthcare—from HIPAA in the 90’s to passage of the Affordable Care Act. There is also a paradigm shift in patient attitudes and behaviors with respect to healthcare consumption. PNC Healthcare commissioned Shapiro+Raj to explore these changes and their impact on providers, payers and employers.

  • Managing currency risks in cross-border M&A 

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    Current conditions may make this a good time for domestic companies to invest outside the U.S., but there are risks that you may not have considered.

  • Developing talent for key functions

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    The continued growth of a company often hinges on having the right talent in place and building bench strength.  Many companies have found it smart to develop leaders at all levels of the organization, not just in the senior ranks. 

  • Strategies for addressing the skills gap

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    It’s no surprise that U.S. employers are having a hard time finding qualified workers. Many jobs now require technical knowledge and specialized skills that prospective employees simply don’t have, creating a “skills gap.”

  • Innovation in Healthcare: The future is here

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    The business model for healthcare is beginning to reflect changes driven not only by the Affordable Care Act (ACA), but also resulting from cost containment, greater emphasis on value, increased innovation and new technologies.

  • How to protect earnings from foreign exchange swings

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    The recent spike in foreign currency volatility has taken a big bite out of earnings from both a transaction and translation perspective. This presentation will help explain these issues and explore strategies for mitigating the currency impact on earnings and cash flow.

  • Fighting Cybercrime: What you need to know today

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    Anyone with access to funds movement services needs to be aware of the latest fraud schemes and how to recognize potentially fraudulent or malicious activity. Representatives of the Federal Bureau of Investigation (FBI) and PNC will provide definitions of the most prevalent schemes, along with strategies to mitigate risk. 

  • Bank regulation and your business 

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    The Liquidity Coverage Ratio (LCR) was created by banking regulators to enhance the banking industry’s ability to absorb shocks resulting from financial and economic stress and to strengthen the industry’s processes for monitoring and managing liquidity. Over the long term, the LCR rule will benefit your business by increasing the strength of the banking industry.

  • Importing and exporting responsibilities in a complex global marketplace

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    According to the U.S. Bureau of Economic Analysis (December 2014), from 2000 to 2013 (the last full year for which statistics are available), exports have grown from $1,075,321 in seasonally adjusted millions of dollars to $1,592,784, while imports have grown from $1,447,837 to $2,756,586 in the same period.

  • Engaging your resources to fight card fraud

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    Cards offer businesses and consumers alike significant convenience and cost savings.
    While many well-known retailers fell victim to credit card breaches over the past year, you can continue to enjoy the benefits of card usage while protecting your business from fraud.

  • Strategic insight into money market funds reform

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    Regulatory reform continues to raise questions regarding the fate of treasury investments in money market funds (MMFs). Under the Investment Company Act of 1940, the Securities and Exchange Commission (SEC) finalized new rules governing MMFs on July 23, 2014.

  • Investing in the global marketplace

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    Now more than ever, international equity plays a critical role in a well-balanced portfolio. International stocks represent a large and growing share of the global investment universe, and international stocks offer investors the potential to capitalize on faster long-term growth trends abroad.

  • Hedging strategies you should consider

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    Ongoing volatility in the bond market and the potential shape of the yield curve once the Fed makes its decision are among the issues that you should be considering. Interest rate caps and swaps can be useful tools in dealing with uncertainty. But what’s the best solution for your company?

  • PNC Healthcare answers your questions about Health Savings Accounts

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    Health Savings Accounts (HSAs) are not entirely new, but are receiving greater attention today in relation to high-deductible health insurance plans and the Affordable Care Act. They are often viewed as a strategy for reducing healthcare costs and for encouraging individuals to take greater responsibility for their health and the cost of care.

  • Be prepared for unexpected interruptions

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    Effective business planning takes to heart the old adage: expect the unexpected. Financial professionals spend a lot of time planning for the future, from both a strategic and operational perspective. 

  • Asset protection planning and Delaware asset protection trusts

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    Asset protection planning is an important part of a comprehensive estate and financial plan addressing an individual’s risks now and in the future. Proper asset protection planning requires time, consideration and knowledge to fully integrate the planning holistically and effectively.

  • Hedging strategies to protect your balance sheet

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    Over the last few years currency markets have experienced a significant amount of volatility. Hedging programs can help companies protect profits and cash flow by locking in revenues, costs and inter-company transactions.

  • The Affordable Care Act Update: Navigating its changes and challenges

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    Dealing with the many facets of the Affordable Care Act (ACA) is a highly challenging endeavor for companies of all sizes. Changing regulations, the evolving nature of the exchanges, new options for individuals, implications for wealth planning and taxes are just a few of the issues that must be addressed.

  • Be Prepared: Steps for better business resiliency

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    Business resiliency plans ensure uninterrupted processing for essential functions.  Most business interruptions fall into one or more of these 5 categories: hardware, facilities, network/telecom, software and people.  With a strong business resiliency plan, you can be prepared and avoid the difficulties of recovery without one.

  • Managing currency risk with foreign exchange options

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    Some currencies have been locked in extended periods of rangebound trading while others have experienced significant one -directional moves. Options can deliver protection and an opportunity to gain back what may have been lost in an adverse move. 

  • Choosing a financial institution to support expansion in Canada

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    Canada is a vital market for U.S. companies. The United States sells more goods to Canada than to all 27 countries of the European Union combined.

  • Yield curve efficient interest rate swaps can manage risk

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    A hedging solution called the yield curve efficient interest rate swap closely follows the expected future path of interest rates.  The frequency and timing of the increases can be tailored to meet specific cash flow needs. 

  • Yield curve efficient interest rate swaps can manage risk

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    A hedging solution called the yield curve efficient interest rate swap closely follows the expected future path of interest rates. The frequency and timing of the increases can be tailored to meet specific cash flow needs.

  • Importance of a well-thought investment policy

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    In an effort to deal with the turmoil of the past few years, many companies invested and deployed excess cash so cautiously that their strategy may be counterproductive as the economy improves. These companies now recognize the importance of having a deliberate and well-thought out investment policy that provides clear direction on how investments will be managed and how much risk is acceptable.

  • Being open with your banker

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    As we all know, companies are continuously looking for ways to stay ahead of the competition. And yet many of them overlook the benefits provided by regular interaction with their banking team.

  • Cybercrime: Don't let it happen to you

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    Dozens of botnets have helped thieves heist more than $100 million from the accounts of businesses around the world. Hackers stole more than $1 million from the payroll accounts of a Washington State hospital. Cyber thieves operating out of Ukraine are believed to be responsible for massive ebanking losses over the past few years.

  • Protecting your enterprise from cyber fraud

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    Just as the financial marketplace is driving to faster and more anonymous transactions, fraudsters are increasingly using old-fashioned methods to collect financial information that can enable them to compromise your accounts. Corporations, both large and small, as well as government entities, school districts and individuals, are vulnerable.

  • Hedging solutions for a slow-motion economy

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    In the face of moderate economic growth in the United States and overseas, short and long-term interest rates remain at historically low levels. There are many flexible and creative hedging solutions available. You should review the expected duration of your debt portfolio and consult with your capital markets profession to discuss your options.

  • Mobile banking has reached the C-suite

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    Tight budgets and shrinking staffs mean that financial decision makers have to be available 24/7 to ensure that their enterprise runs smoothly. If you're one of these "on the go" executives, you'll be happy to know that mobile banking has finally reached the Corporate suite. 

  • Move your business forward with new mobile banking solutions

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    In today's "do more with less" world, financial decision makers have to be available 24/7 to ensure that their enterprise runs smoothly. Now it's easier than ever to stay connected to your business with corporate online banking services on your smart phones and tablets.

  • The role of capital markets and hedging strategies

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    Topics include:

    - Update on the treasury market, Federal Reserve and regulatory environment
    - Current rate environment and hedge pricing
    - Overview of current conditions in the loan market

  • A guide for maximizing value

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    Merger and acquisition ("M&A") transactions can raise a series of important considerations that significantly impact business owners. When is the right time for an M&A transaction? What steps are required? When selling a company, how can business owners achieve liquidity and maximize value while still looking after the best interests of their company and its employees, customers, and vendors?

  • Dodd-Frank: Key implications for corporate treasurers

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    Title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act imposes a new regulatory regime on the U.S. swaps market. As a swap dealer, PNC must comply with these requirements and there are a number of regulations that will directly affect you, the swap end-user.

  • The impact of recent developments on your organization

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    Our panel of healthcare and treasury management leaders will provide insight to help you address these issues and more:

    - Recent changes, including the postponement of the employer mandate reporting requirements
    - Characteristics of the new exchanges
    - Selecting a policy through an exchange
    - Healthcare economics background

  • Growing importance of lockboxes as USPS is cutting back

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    The United States Postal Service (USPS) continues to face large operating deficits, which exceeded $15 billion in fiscal 2012. A number of factors have contributed to these losses, but the biggest factor is that the USPS was built to handle a much larger capacity of mail. First Class Mail volume has declined more than 20% over the past 5 years, as consumers increasingly communicate and complete transactions electronically.

  • Cybercrime: Don't let it happen to you

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    Yesterday's cyber crimes were often intended to cause disruption by infecting your computers with harmful viruses.

    Today, they are increasingly malicious and sophisticated, using a combination of tactics to gain your trust...and access to your company's financial accounts.

  • Managing currency risks with international transactions

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    Companies buying, selling or capitalizing a foreign business often overlook potential and ongoing currency risks including currency impacts on valuation, financial statements, and capitalization.

    This webinar will provide specific, actionable information on currency risk management, including: pre-close exposure/hedging, managing the currency impact of capitalization decisions, financial statement impact and more.

  • Improving your foreign exchange policies and practices

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    As companies increase engagement with international trading partners and markets remain unpredictable, they must develop and adopt effective foreign exchange risk strategies. This webinar will cover why you need an FX policy, elements of an effective policy, forecasting, budgeting and planning and considerations for the period between trade execution and maturity.

  • Interest rate hedging solutions for a slow-motion economy

    Learn More »

    In the face of moderate economic growth in the United States and overseas, short and long term interest rates remain at historically low levels.  A cancellable interest rate strategy can be used as a hedge against a specific debt facility or as a part of a larger strategy to manage duration of a debt portfolio.

  • Advantages of doing business in the local Chinese currency

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    If you are doing business in China, the recent liberalization of its currency can have substantial benefits for you. It’s easier to make and receive payments and there are more tools for managing currency risk.

  • Managing interest rate risk in an age of uncertainty

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    With a watershed election just around the corner and national and international markets more unpredictable than ever, managing interest rate risk requires both insight and informed strategies. Join us as Tina Hwang, Senior Vice President and Managing Director, and Todd English, Director, with PNC’s Capital Markets Derivative Products group discuss:
    • Current market conditions
    • How regulatory reform might affect your business
    • Managing risk in a low interest rate environment

  • Protecting your enterprise from cyber fraud

    Learn More »

    Just as the financial marketplace is driving to faster and more anonymous transactions, fraudsters are increasingly using old-fashioned methods to collect tid-bits of financial information that can enable them to compromise your accounts. Corporations both large and small as well as government entities, school districts and individuals are vulnerable.

  • Managing interest rate risk in a volatile environment

    Learn More »

    With interest rates at all-time lows, some companies may have been lulled into a false sense of security about interest rate risk. However, the intermediate and long end of the yield curve has been trending up dramatically. Companies can utilize financial models to inform their decision around  hedging a portion of their projected debt portfolio for longer durations.

  • The degree and pace of change in currency is the best way to cope?

    Learn More »
  • The United States is a major export player with enormous untapped potential.

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    In spite of the impression that US exports are not competitive, are shrinking or hamstrung by protectionism, the US remains a major player, with enormous untapped potential.  The U.S. remains the third largest exporter of goods in the world. And when you add in services, the picture gets even better. Still, many companies are reluctant to explore the international market, even though 95% of the world’s consumers are beyond our borders.

  • Using equipment finance to create a competitive advantage

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    Over the past few years, many companies have minimized or frozen spending and investments. However, the pressure to stay competitive in the global marketplace makes it unrealistic to hold off on technology and operations improvements for the long term. For many, it’s time to determine what initial investments make the most strategic sense and how to finance them. We take a look at some creative approaches.

  • Getting your banker to believe in your company

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    Some managers who find themselves in challenging circumstances may be reluctant to talk with their bankers, fearing that relaying bad news might close off credit options. Successful companies are open and transparent with their banks, through good times and bad.

  • 401(k) advice and management

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    Americans’ confidence in their ability to afford a comfortable retirement has plunged to a record low. 401K and other retirement plan participants are looking for online solutions to get their retirement savings back on track. Plan sponsors should be aware that professional participant advice and professional management can help.

  • Framework for a good investment policy

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    In an effort to deal with the turmoil of the past few years, many companies deployed excess cash so cautiously that their strategy may be counterproductive as the economy improves. Michael Houlihan, assistant vice president, corporate deposits and liquidity, discusses the framework for a good investment policy and insight into today’s investment options.

  • Tips for keeping a good relationship with your banker

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    Even in uncertain times, credit is available with competitive pricing and terms for companies that regard their bank as a vital resource. Here are tips for keeping an open relationship with your banker.

  • Interest rate derivatives

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    Interest rate derivatives can help you mitigate the risk of unpredictable interest rate swings and ensure that more of each revenue dollar drops to the bottom line. Edwin Martinez, Managing Director in PNC's Derivative Products Group, discusses derivative strategies and how to actively manage risk.

  • International payments and risk mitigation

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    Do you know the safest ways to get paid for an international sale? The U.S. Commercial Service & PNC Bank help with our "Making Exporting Easier" web-based seminar that outlines the common international methods of payment used in global trade and risk mitigation tools.

  • Tailoring rolling FX hedges

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    Rolling FX Hedges can be tailored to match your company's cash flow needs and adjust for risk, enabling your company to compete in a changing business environment.  Garry Duncan, Managing Director in PNC's Foreign Exchange Group, outlines how these can be a viable option.

  • Banking relationships for the middle market

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    By fully leveraging their banking relationships, middle market companies can be better prepared to manage risk and take advantage of opportunities.  In this video, we'll explore how.

  • 401(k) plans

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    While it's true that the recession has affected 401(k) plans, they can still be a viable retirement program if plan participants have access to the information they need. Bonnie Fawcett, PNC's Director of the 401(k) Bundled Plan program, offers employers some suggestions on how to engage their employees.

  • International treasury management 

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    Canada and Mexico provide tremendous business opportunities for U.S. companies that want to grow.  However, there are still some unique challenges that need to be addressed. George Hoffman, Senior Vice President of PNC's Global Treasury Management Group, reviews some of the differences in banking services, regulations and market risks that could affect your bottom line.

  • Strategies to reduce check fraud

    Learn More »

    A staggering number of companies experience attempted or actual payment fraud, with the majority of incidents related to checks. Regardless of your company's size or industry, there are a variety of strategies, services and technologies available today to help reduce your company's risk of check fraud.



The materials or video that you are going to view were prepared for general information purposes only and are not intended as legal, tax or accounting advice or as recommendations to engage in any specific transaction, including with respect to any securities of PNC, and do not purport to be comprehensive. Under no circumstances should any information contained in those materials or video be used or considered as an offer or commitment, or a solicitation of an offer or commitment to participate in any particular transaction or strategy. Any reliance upon any such information is solely and exclusively at your own risk. Please consult your own counsel, accountant or other advisor regarding your specific situation. Any opinions expressed in those materials or videos are subject to change without notice.

PNC is a registered mark of The PNC Financial Services Group, Inc. ("PNC")
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