Financial Risk Management

Fifth Third Foreign Exchange (FX) is the premier super regional FX desk in North America with big bank capabilities coupled with boutique service and attention. Our solutions and in-depth analytics assist to protect your revenue while you focus on running your business. Our technology platform, led by Fifth Third Market Trade, provides an intuitive and dynamic experience which enables you to manage your FX business, at your convenience. Our solutions include:

• Spot trades
• Window forwards
• Forwards
• Non-deliverable forwards
• Participating forwards
• Vanilla options
• Collars
• Structured options
• Foreign currency loans
• Multi-Currency Accounts
• Training and education
• Cross border acquisition consultation
• Dynamic Cash flow and balance sheet hedging programs

It all starts with a conversation about your exposures, through which we’ll define your financial risks. From there, our team will help you create custom commodities strategies to mitigate the impact these financial risks can have on your company. In turn, you can focus on what you do best: running your business. Our commodities risk management solutions include:

• Analysis of commodities exposures and development of customized risk management strategies
• Manage commodities price risk improving raw materials budgeting and forecasting
• Reduce commodities volatility to enhance ability to meet targeted financial metrics

Our commodities risk management capabilities can help your company create more predictable prices, improve forecasting accuracy for revenue and expenses, protect margins and reduce volatility via:

• Swaps, caps and collars (or a combination of structures)
• Potential tenors of 1 month to 5 years
• Settled with a cash flow exchange rather than delivery of physical commodity
• Full trading and hedge capabilities for the following commodities:
  • Energy: crude oil, diesel fuel, unleaded gasoline, fuel oil, jet fuel, NGL’s, and natural gas
  • Base metals: aluminum, copper, nickel, lead, tin, zinc, and cobalt
  • Precious metals: gold, silver, platinum, and palladium
  • Ferrous: hot rolled coil steel, scrap steel, and iron ore
  • Agricultural: corn, wheat, milk, butter, dry whey, soybeans, soybean oil, cattle, lean hogs, sugar, coffee, and lumber

Our customized interest rate management solutions will help:

• Manage the appropriate fixed-to-float ratio for your business
• Assist in managing your firm’s interest rate risk exposure
• Create cash flow certainty, simplifying budgeting and forecasting
• Enhance your business's ability to reach targeted financial returns
• Assist in the ability to achieve fixed charge covenants in loan agreements

By working closely with you to identify and understand your investment, capital, and financing needs, as well as your business model, we can be a valuable resource in managing market risks.

Fifth Third Bank's interest rate management team can provide customized rate risk management structures utilizing one or more of the following solutions:

• Interest rate swaps
• Interest rate caps
• Interest rate collars
• Forward starting structures
• Structured options