Treasury

Accounts and cash
  • Cuenta Tesorería Empresas

We offer your company specialised products that adapt to your needs

  • Companies treasury deposit

    Depósito Tesorería Empresas

    A flexible and profitable deposit for making deposits at different terms, from 1 to 365 days.

    Flexibility

    Different maturities

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    Term deposit

  • Business account

    Cuenta Negocio

    Automate regular transfers of balances from your accounts to a main account, optimising your treasury operations.

    All

    The operations

    Return

    EURIBOR-linked

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  • What is the net asset value?

    The net asset value is the price of each share at one moment. It is calculated by dividing the equity of the fund between the number of shares in circulation at that particular moment.

    In general, the managing company calculates the net asset value daily and has the obligation of announcing it via its website and the stock exchange bulletins.

    There are certain funds that, due to their nature or the characteristics of the assets they invest in, can calculate the net asset value more frequently.

  • What is a structured bond?

    A structured bond has its return linked to the evolution of certain underlying factors. These can be market indexes, share baskets, interest rates, inflation, currencies, etc.

    There is a multitude of different structures and they vary according to the conditions that have to be met to reach different levels of return or to total or partially amortise the product early.

    The guarantee of a total or partial return of the principal and of the payment of possible interest earned on a structured bond corresponds to the issuer of the bond and, where applicable, to its guarantor, regardless of the institution through which it was acquired.

  • What is a mobilisation between funds and how is it taxed?

    It is an operation whereby an individual transfers, in whole or in part, the investment made in one investment fund to another fund.

    With this operation you make a total or partial withdrawal of the shares you have in an investment fund to place the amount withdrawn in shares of another fund. In this way, the reimbursed amount is transferred directly from the source fund to the target fund, together with the fiscal information.

    For you, as an investor, the movements do not affect your personal income tax as there is a deferral regime under which, when the amount obtained in the reimbursement or transmission of shares in an investment fund is allocated to the acquisition or subscription of other shares in investment funds, they will not be computed as a capital gain or loss, and the new shares subscribed to will maintain the value and the date of acquisition of the transferred or reimbursed shares.

    The deferral system will not apply the amount derived from the reimbursement or transmission of the holdings in the investment fund is placed at the taxpayer's disposal by any means or, as the case may be , the subscription or acquisition is addressed to holdings in quoted investment funds, nor when it is addressed to shares in listed variable-capital investment firms, or in the case of unit holders of banking assets funds.

    You must take into account that a movement of investment funds entails a reimbursement and a subscription. Therefore you will have to pay the subscription or reimbursement fees if this is provided for in the fund brochures.

  • Statement of position:

    This is a part of the public documentation which informs the unit holder of movements due to subscriptions or reimbursements in the fund.

  • EURIBOR:

    (Euro Interbank Offered Rate). Interest rate of reference for the Euro area.

  • FIAMM:

    FIAMM (Money Market Investment Fund) A type of fund that, by law, must make its investments in fixed-yield securities of short-term maturity (up to 18 months) and high liquidity.