CL King

Uncovering Hidden Investment Opportunities Since 1972

header photo

Blog Component

Corporate Banking - A New Phenomenon of Socio Economic Global Order

Corporate banking consists of simple business of issuing loans to more complex matters, such as helping minimize taxes paid by overseas subsidiaries, managing changes in foreign exchange rates, or working out the details of financing packages necessary for the construction of a new office, plant or other facility.


In many cases, there is an overlap between corporate banking and capital markets. Bankers associated with capital markets help companies raise money by issuing equities or debt whereas corporate banking has the bankers who typically help clients raise money through loans. When necessary, corporate bankers will bring in the expertise of their capital markets colleagues.


Corporate banking also needs an understanding of complex financing methods like securitization, where a company sells bonds based on the money it will earn in the future from assets such as rented shop space or a back catalogue of products.


Corporate Banking also involves variety of services such as term loans, bridge financing, credit lines, revolvers and other kinds of working capital facilities, structured finance, mezzanine financing, property and asset finance and investment financing. Corporate Banking also provides comprehensive cash management and other add-on products and services, such as cash pooling, cash sweeping and comprehensive internet banking from various banks.

The importance and significance of corporate banking grew with the repeal of the Glass-Steagall Act in 1999. Glass-Steagall was an act in a Depression-era law that prevented U.S. commercial banks from owning brokerages or being involved in the securities markets.


With its repeal, the roles of investment bankers and corporate bankers began merging. In addition, the increasing globalization of the financial markets makes it imperative for large money-center banks to be able to offer a broad array of services to help their business clients raise needed capital.
With the demanding and challenging eco political global scene, corporate banking too requires some special kills such as analytical ability and statistical aptitude, strong communication skills, ability to grow and maintain client relationships, and demonstrable drive.


Thus, in the light of the discussion, it can be said that corporate banking has huge requirements in terms of human resources as well as other strategic and operational aspects needed to run the organization.


Given this huge scope of corporate banking, and pressing demands to provide reliable banking service by these large corporations, most top banks of the world have a separate dedicated corporate banking operation which caters to the needs of companies that are quite different in requirements and scale as compared to an average small to medium enterprise.

To find more info, visit here:

Financial Investment Services from CL King

Financial Services have been able to represent an increasingly significant financial driver, and a significant consumer of a wide range of business services and products. The current Fortune 500 has listed 40 commercial banking companies with revenues of almost a $341 trillion, up a modest 3% since last year.


Importance of Financial Services:


It serves as the bridge that people need to take better control of their finances and make better investments. The financial services offered by a financial planner or a bank institution can help people manage their money much better. It offers clients the opportunity to understand their goals and better plan for them.

It is the presence of financial services that enables a country to improve its economic condition whereby there is more production in all the sectors leading to economic growth.


The benefit of economic growth is reflected on the people in the form of economic prosperity wherein the individual enjoys higher standard of living. It is here the financial services enable an individual to acquire or obtain various consumer products through hire purchase. In the process, there are a number of financial institutions which also earn profits. The presence of these financial institutions like CL King & Associates promotes investment, production, saving etc.




  • Customer-Specific: These services are usually customer focused. The firms providing these services, study the needs of their customers in detail before deciding their financial strategy, giving due regard to costs, liquidity and maturity considerations.
  • Intangibility: In a highly competitive global environment brand image is very crucial. Unless the financial institutions providing financial products and services have good image, enjoying the confidence of their clients, they may not be successful.
  • Concomitant: Production of these services and supply of these services have to be concomitant. Both these functions i.e. production of new and innovative financial services and supplying of these services are to be performed simultaneously.
  • Tendency to Perish: Unlike any other service, financial services do tend to perish and hence cannot be stored. They have to be supplied as required by the customers. Hence financial institutions have to ensure a proper synchronization of demand and supply.
  • People Based Services: Marketing of these services has to be people intensive and hence it's subjected to variability of performance or quality of service.
  • Market Dynamics: The market dynamics depends to a great extent, on socioeconomic changes such as disposable income, standard of living and educational changes related to the various classes of customers. Therefore financial services have to be constantly redefined and refined taking into consideration the market dynamics.
  • Promoting investment: The presence of these services creates more demand for products and the producer, in order to meet the demand from the consumer goes for more investment.
  • Promoting savings: These services such as mutual funds provide ample opportunity for different types of saving. In fact, different types of investment options are made available for the convenience of pensioners as well as aged people so that they can be assured of a reasonable return on investment without much risk.
  • Minimizing the risks: The risks of both financial services as well as producers are minimized by the presence of insurance companies. Various types of risks are covered which not only offer protection from the fluctuating business conditions but also from risks caused by natural calamities.
  • Maximizing the Returns: The presence of these services enables businessmen to maximize their returns. This is possible due to the availability of credit at a reasonable rate. Producers can avail various types of credit facilities for acquiring assets. In certain cases, they can even go for leasing of certain assets of very high value.
  • Benefit to Government: The presence of these services enables the government to raise both short-term and long-term funds to meet both revenue and capital expenditure. Through the money market, government raises short term funds by the issue of Treasury Bills. These are purchased by commercial banks from out of their depositors' money.
  • Capital Market: One of the barometers of any economy is the presence of a vibrant capital market. If there is hectic activity in the capital market, then it is an indication of the presence of a positive economic condition. These services ensure that all the companies are able to acquire adequate funds to boost production and to reap more profits eventually.


For more details, visit here:

Structural Changes in Banks for More Customer Delight

Top global banks and financial institutions are adopting new technologies to streamline their internal operations and align their resources to offer customers the best & innovative banking services. In order to provide customized and revolutionized banking solutions to the global businesses, banks first need to refine their work processes and take the crude out of it. This will help them to indulge in the big quotients like mergers and acquisitions, private placements, and bankruptcy and restructuring deals and providing sophisticated business banking to the clients. Modern banking and financial institutions rely on the top-end technology products in order to rapidly share information with deal partners to make sure successful operations in a more secure way.


Technology adoption simply drives efficiencies when it comes to data management, handling and accessing. With the help of latest banking software solutions banks can easily manage, evaluate and share information related to complex banking and financial instruments while maintaining complete security and control. They are also working on the better security measures for better financial transactions.


New banking applications and software solutions offers immense capabilities to the banking management that certainly help accelerate all operations. With the help of software applications banks can control the deal processes and handle critical information with due diligence. These software solutions also support sourcing of newly emerging opportunities so that banks can provide more invaluable banking solutions to the customers with lesser risk of frauds. They are also adopting secure web-based and mobile access solutions for the customers through these high-end technological solutions only.


Banks like CL King & Associates are also accelerating their operation efforts through various means like:

  • Speed up internal (banking and finance related) reforms 
  • Access innumerable set of information to extract quality information 
  • Find information easily, effectively and shorten waiting period of customers


Banks and financial institutions like CL King are also busy in collecting data for business insights and transforming it into activity for further banking transactions which will result in risk mitigation and better ROI. In this way they can respond more effectively to the customers' queries. It also ensures transparency and consolidating of information on a single platform only. It enables tracking and reporting of banking information in a secure and sensitive manner.


All these measures help banks to adopt fast changing banking technology and provide the best banking solutions to the private organizations. It is also helping them to connect with their customers in a more personal way. In fact, banks have empowered themselves to effortlessly offer business loans, corporate banking services, insurance, investments, mobile banking, internet banking savings and checking accounts as well as financial advice to the businesses through the adoption of newly emerging technologies.

Starting Your Investment Bank Career

Investment banking is the most lucrative and exclusive career in the finance industry. Successful investment bankers need to have strong research acumen, top-notch analytical skills and the desire to commit to the long work hours required. An investment bank career spans a gamut of different positions. Here is an analysis by our experts at CL King and Associates of some of the possible career opportunities. 
Corporate Finance 
Investment bankers working in corporate finance act as advisers to major corporations. These major companies will want to sell securities to raise cash to finance growth or to buy other companies. As a member of the corporate finance department you will help in underwriting equity and debt offerings to help a company meet their financing goals. 
You may also be involved in consulting with companies to analyze their financial position. Many companies will divide their corporate finance department based on industry. Employees with prior work experience in these industries are highly recruited for positions in corporate finance. 
Corporate finance will also work with private companies who are looking to issue an IPO. You will be responsible for determining the feasibility of the company to issue an IPO as well as to determine the valuation of the offering. 
Mergers and Acquisitions
The mergers and acquisitions group is referred to as M&A. They will work with companies that are trying to buy other companies or with the company that is being purchased. The purchase of another company can cost upwards of billions of dollars. M&A employees are responsible for calculating the numbers to determine the feasibility of making a purchase and what price to pay for it. After analyzing the potential purchase, these employees will be responsible for putting together the prospectus for the purchase. 
M&A is considered the most challenging position within investment banking. People who work in M&A put in the longest hours in a profession this is noted for it 80+ hour work week. The research of a potential merger or acquisition target requires extreme secrecy. Any leak of a potential acquisition can skyrocket the purchase cost beyond what the company is willing to pay. 
Researchers do quantitative and economic research on stocks and bonds in all market industries. In addition they do research on the companies that offer these stocks and bonds. The results of their research are used to issue market forecasts, speculate on market trends and make recommendations on stocks and bonds to buy and sell. 
Investment banking positions in research require frequent travel to corporate headquarters and branch locations. Researchers will analyze a company's financial position, market trends, and major competitors. This may include talking to a large number of people to collect the necessary data for the research. The research department will issue forecasts and recommendations. 
While the various groups within an investment bank support each other, the work and responsibilities in each group varies. If you want to pursue a career as an investment banker, pick the segment that fits your qualifications and experience. Go for CL King for more wider career opportunities in this sector.

Investing Secrets of the Big Investment Banks

Most investors feel at some point during their investment career that the large institutional investors somehow have an upper hand or an advantage when it comes to investing in the financial markets. While this used to be the case the Internet and software developments have began to erode these advantages and allow individual investors to play on a level playing field with the professionals.


Traditionally one of the main advantages Investment Banks such as CL King & Associates have had is their experience. Even as traders retire, leave or get fired they always leave behind a trail of knowledge and experience that the business managers learn from and use to decide future trading or investment decisions. As an individual investor you can sometimes feel that you are so inexperienced in a particular investment type that it is too risky to proceed and invest. This effect can be described as a barrier to entry. Individual investors need a certain amount of knowledge of a market to be able to enter and trade.


Another area where the banks have an advantage is manpower. Traditionally traders in banks had an army of research analysts that will process and analyze huge amounts of market and company data in order to find profitable trades. In more recent years traders at financial institutions have increased this advantage by automating their research and stock picking using computers.

Read also: Investments Banks - What You Need to Know About Them?

Overview of Popular Investing Products

Investing encompasses many niche markets. Some of the more popular investment choices include:  real estate, cash flow notes, stocks of real estate investment trusts (REIT), and financial investments such as stocks, bonds, mutual funds, and certificates of deposit (CDs).


Earning profits from investing requires an understanding of the pros and cons of each product. An easy way to learn about various products is to work with a good investment company that possesses a strong management style and honest investment philosophy. 

Some of the highest ranking investment companies include: Merrill Lynch, BNY Mellon, Charles Schwab, and Fidelity Investments. Each offers online investing tools which allow individuals to establish and manage accounts 24 hours a day, 7 days a week.

Most companies offer complimentary consultations via chat rooms or instant messaging which allow investors to ask questions about products, market trends, and obtain advice on building their financial portfolio.


One of the most popular investment products is stocks. Many people associate purchasing stock in well-established corporations such as Wal-Mart, Best Buy, Toyota and Microsoft. However, it is smart to research start-up companies and small corporations that specialize in highly sought after products such as enviro-friendly products and alternative fuels.  


Bonds offer investors a variety of profit-earning options. Bonds are secured by asset-backed securities such as credit card receivables, student loans, mortgage notes, home equity loans, and international assets. Bonds are sold through bond brokers or can be purchased directly from the U.S. Treasury website at


Mutual funds give investors the option to diversify financial portfolios without investing in multiple products. Mutual funds encompass asset-backed securities, real estate, stocks, and bonds.

Commodities are a good option for investors who want fast profits. However, before investing in this market, investors must become educated about the various products; how they are traded; and which commodities generate the highest profit margins. Popular commodities include: gold, oil, lumber, wheat, and sugar.


Business investing can be a good choice for those who are familiar with corporate practices. Business investments can include providing start-up funds, expansion funds, or purchasing shares of start-up companies or established corporations.


Investing in real estate encompasses a variety of options. Investors can purchase residential or commercial properties or real estate notes. Many real estate investors purchase foreclosure and bank owned homes for use as residential or vacation rentals. Others use distressed properties to offer lease options or seller carry back mortgages. Some prefer commercial properties such as office buildings, apartment complexes, or shopping malls. Others prefer to buy REIT stocks and avoid the headaches associated with maintaining residential, retail, or commercial property.


Currently, real estate investments are unpredictable at best. Those who choose to dabble in this niche should possess a strong understanding of the different types of properties and the advantages and disadvantages of each.


Regardless of the investment product chosen, investors must engage in due diligence to calculate potential risks. The Internet provides multiple resources to help newbie and seasoned investors make informed choices. It is best to work with established investment company like CL King and Associates to help reach financial goals.

Investment Bonds - An Important Option to Any Investor Today

If every story comes with a moral, the story of how we have invested our funds over the past 10 years has this one lesson to teach us: that you can't just put all your money in stocks alone. This wasn't the way things always worked. The general understanding not long ago was that if you bought stocks and held onto them for long enough, over the long run, they would actually perform far better than bonds ever did. And they did that with no more than the same amount of risk that bands came with. Financial advisers told their clients to only choose investment bonds if they needed somewhere safe to park their funds for a short period of time. Over the long run, the always felt that stocks won out.


As we all know though, stocks have managed to do particularly poorly over the last two years the of the last decade. It was so bad, the 2000's compare with one or two of the worst investment decades since the great depression. In a time when the US economy is somewhat troubled, putting all your money in stocks is easily too risky a gamble to take. Anyone who invests for a reasonable period of time needs to consider buying fixed income securities as the kind of stabilizer for their portfolio.


Of course, when chosen as an investment, bonds call for some kind of scaling back of any ambition. Still, it doesn't have to be as bad as it appears. Studies that compare portfolios devoted to treasury bonds to portfolios that are divided equally between investment bonds and shares find that the one with the bonds only earn about 2% less a year. This isn't that much of a hit to take for all the security they bring you.


There's just one problem in all this, of course; investment bonds may be a safe is a place to park your money. But when there is little risk involved in an investment, the interest paid is usually quite paltry. Add to that the fact that there are millions of investors around the country who are anxious to place their money in sound debt, and you begin to see why the government has no interest in raising the rates of return on investment bonds. If you're wondering what sound debt is, consider what bonds really are - they are loans you make to the government in return for an IOU. You are selling debt to the government; since the US government is the most reliable borrower on earth, with vast funds to back any IOU up with, any debt made out to the US government is considered really sound. And that is so even if the US has borrowed staggering sums of recent. U.S. Treasury bonds pay 0.2% on bonds that you are allowed to cash in six months. Those are pretty low rates.


Investors do have a problem with how paltry their returns are with government investment bonds. But they are willing to take that if the alternative they have is in regular stocks that can tank like they did three years ago. If you wish to experiment with other kinds of investment bonds, make sure that you don't choose anything to do with mortgages - like Freddie Mac and Fannie Mae. The housing crisis is still about and dealing in corporations that are affected can't be a smart investment move.


To learn more, consult with the experts at CL King and Associates. We co-manage bond offerings, IPOs, follow-ons, secondaries, convertibles, and preferred. CL King has acted as Co-Dealer Manager on Verizon’s $1.9 billion cash tender offers for 8 series of debt securities of Verizon and many such big companies.

To find more details, visit here:

Establish a Corporate Credit Profile For Your Business

Well, how many times have you heard an advisor preach about asset protection? Therein lies the answer.

Why in the world do the experts tell you to incorporate and create all kinds of plans to insulate yourself from the business of your business? In today's litigious society, is it any wonder that the statistics are as alarming as they are?


Everyone has heard of the lawsuit against McDonalds for serving hot coffee. So you don't think a worker's compensation or slip and fall legal dispute can ruin your business?


What if you were personally liable for all of the credit and debt of the business? Do you think that might have a big or small impact on your personal credit report? So, by continuing to attach yourself personally to the finances of your business is a catastrophe waiting to happen. The question is how long will it be before that time bomb erupts?

To help protect yourself, start taking real precautions to keep your business from ruining your personal credit and so much more.  Here's how. Build a separate business profile to apply for and obtain credit in the business's name.


The first step is to make sure your entity is structured correctly. From an asset protection strategy, a C-corporation or Limited Liability Corporation (L.L.C.) makes the most sense. This also holds true when it comes to applying for business credit.

You need to make sure that your business is set up properly before you start to apply for credit. If you make just one little mistake your access to funding will be denied and could cause your company to be flagged by the credit bureaus.


To learn more, consult with the experts at CL King and Associates. We co-manage bond offerings, IPOs, follow-ons, secondaries, convertibles, and preferred. CL King has acted as Co-Dealer Manager on Verizon’s $1.9 billion cash tender offers for 8 series of debt securities of Verizon and many such big companies.

Or visit here:

Corporate Service - Why and How You Should Incorporate?

Corporations are one of the most powerful tools ever created by the rich for the rich-period. The cool thing is that you know the average man or woman can use this; powerful, wealth creating, asset protecting, power tool just as they do. The rich among us have been doing it for hundreds of years. Want to know more? Read on now.


The process of incorporation is a fairly simple one that anyone can do for themselves if they simply take a bit of time and research the Secretary of State's website for the necessary information on how to create a corporation, LLC, LLP, Or S-Corporation in their state.

Once you have done your research and have learned the correct and lawful way(s) of establishing a corporation in your state, you will then want to contact the IRS so that you can get your Tax ID number-also known EIN number, so you can open up a corporate bank account and start conducting business.


The next step is that you should contact Dun and Bradstreet so that you can get your Dun's number which you will need in order to build corporate credit, and start doing business with other corporations and venders in your field.

Corporations are viewed as a living breathing entity once they are brought to life by you and the Secretary of State, and should be treated as its own entity; keeping your business completely separate from you in every way, including banking and finances. 


You should treat your corporation like a big business- not a "Mom and Pop Operation." You should always refer to your corporation as if it is your corporation, as if it is your employer, not the other way around to avoid any confusion with people or other businesses that you may be dealing with.

The primary reason for keeping you separate from your corporation is so that you reduce the risk of the having your corporation shield pierced in a lawsuit or by the IRS if anything should happen.


Why and How You Should Incorporate?

  • A corporation in all of its different forms has proven to be one of the best ways to protect your assets and do business without bringing the pain of financial ruin ever created by the rich, so why shouldn't you use it for the same reason.
  • Corporations allow you to get thousands of dollars in unsecured lines of credit that can never ever be placed on your personal credit report, even if every dime that your corporation borrowed was not able to be paid back to the creditors.
  • You can own as many corporations as you want. There are no limits to how many you can have. So just think, you could conceivably build credit across hundred of corporations and build a financial powerhouse.
  • Corporations can shield your personal assets from people that mean you no good.
  • Corporations can reduce your personal taxes
  • Corporations allow you to leave a legacy behind for those you love without the debt.
  • Corporations can increase your chances of building a successful business faster than a sole proprietor business, which means building wealth faster.


If you are looking for financial services to help you manage your wealth, assets, make investments for you, or manage your business banking, then contact CL King & Associates financial services provider
The firm provides investment banking, equity research, sales and trading, and investor services to corporations and institutions.

Read also: Comparing Corporate and Commercial Banking Benefits

Why Banking Offshore is More Secure Than Onshore?

Banking offshore is more secured than onshore as it offers more advantage than domestic banks to business men. The only different is it is situated outside the residence country or domicile of account holder and onshore is located in home country where you live. Offshore banking is a type of shell for investor who is depositing money in other countries.


Past days it is only considered for criminals and smugglers but the fact is different because there is no advertisement for these type of accounts and exploring the benefits in any media. Offshore banking have strict privacy for funds and data of account holders which is unlike with onshore bank account. These banks do not reveal the information to third party, and anybody can't able to know your amount and saving history. Include day to day checking with short and long term saving accounts. Commonly it is used to store the cash that most people use offshore bank for. A required bank service for wealthy people who live in unstable political and economy countries where fear to lose their money if any problem persists. So the save money from being lose offshore bank account for online transaction is suitable options.


Stuffs that differentiate Offshore from Onshore


  • Assets Protection - Posses great security to assets protection Asset confiscation has taken place in Cyprus, Ireland, Hungary, and Poland just recently.
  • Diversify Risk - Banking diversify whole risk of being lose money as add protection to your money Money kept offshore is harder to have frozen or seized. In many cases, offshore banking also allow greater privacy and secrecy... all of it legal.
  • Interest Rate is higher - Provide high interest rate on your saving, offer interest up to 10 times more than your domestic bank account. If you're used to relying on interest income, this can be a game changer for you.


Can you individual open offshore bank account

Yes, many international banks offer banking offshore with numerous services unlike of your domestic bank account. All you need a notarized copy identity proof signatory passport and a copy of residence identity and corporate documentation. An initial deposit is need to activate the bank account in around 100$. There are some bank which provide services on net and don't need to visit personal with bank, but before going for online services determine which bank you are working with.


If you are looking for financial services to help you manage your wealth, assets, make investments for you, or manage your business banking, then contact C.L. King & Associates financial services provider

The firm provides investment banking, equity research, sales and trading, and investor services to corporations and institutions.

Also read: Repair Personal Credit to Establish Business Credit

View older posts »