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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
  • Reducing interest rate risk with derivatives

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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.

  • Mitigating the effect of currency rate swings on earnings and cash flow

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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.

  • Mitigate the increasing risk of cyberfraud

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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. 

  • Impact of stricter regulations on banking relationships

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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.

  • What you need to due to reduce money laundering risk

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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.

  • Fight fraud with the help of your bank.

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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.

  • Overview of money market funds reform from AFP

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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.

  • Basics of international investing

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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.

  • Dealing with projected interest rate increases

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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?

  • Health savings account regulations

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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.

  • Mobile banking solutions are increasingly robust and secure.

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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. 

  • Protect your assets against expected and unexpected threats

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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.

  • Tactics for hedging volatile currencies

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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.

  • Resources to improve 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.

  • Hedging strategies for today's challenges

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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. 

  • Challenges and rewards of doing business 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.

  • Mitigating interest rate 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. 

  • Mitigating interest rate 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.

  • Build a liquidity cushion to insulate your company from the unexpected.

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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.

  • Develop a close relationship with your bankers

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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.

  • Protect your business from cybercrime

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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.

  • Checklist for fighting 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.

  • Understanding early termination and callable interest rate swaps

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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 for financial decision-makers

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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.

  • Insight into Title VII of Dodd/Frank

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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.

  • 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?

  • Information on healthcare exchanges

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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

  • Postal service changes can impact your cash flow

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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.

  • Types of cybercrime and steps to protect your business

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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.

  • Mitigate the risk of currency swings before closing

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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.

  • Understanding early termination and callable interest rate swaps

    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.

  • 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.

  • Utilize financial models to inform decisions around hedging

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    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.

  • Leasing can help you meet your CapEx goals

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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.

  • Benefits of maintaining an open relationship with your banker

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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.

  • Professional support can help you plan for a more secure retirement

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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.

  • Insight into today's investment options

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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.



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.

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