The Trust Services Division (formerly the Trust and Asset Management Division, TRAM [established 1938]) offers individuals the ability to meet their savings and investment needs via Investment Management Contracts (IMC).
Each IMC client has access to a dedicated analyst, who under the guidance of the Investment Manager, will construct a portfolio tailor-made to meet the client's unique goals, return objectives and risk tolerance.
A summary of services provided to IMC clients includes:
Customised portfolio construction allowing access to local and international fixed income (bond) and equity markets
Rigorous analysis and due diligence of all assets which must be approved by the Bank's Head Office Investment Committee prior to purchase
Regular monitoring of assets and the overall portfolio
Active portfolio re-balancing taking into account changing market conditions as well as changes in client circumstances
Custody of client assets in accounts established for their sole benefit which are held separate and apart from bank assets
Provision of quarterly statements showing the value of assets and a summary of all transactions for the quarter