Unlocking Hidden Value in Your Cash Deposits

Every corporate treasurer and CFO knows the familiar story. You place surplus cash with your banking partners, and in return you receive a return that feels… underwhelming. For years this has been the accepted norm. But what if the reality is that by continuing with traditional unsecured deposits, you and your bank are both leaving money on the table?

That is exactly what is happening today.

Through Consort1’s Secured Deposit Service, institutions can take the cash they are already depositing and simply convert it into a secured deposit. Nothing changes in the way you place money with your bank. No extra operational steps. No added complexity. Yet the difference in outcomes is profound.

Why Does This Unlock Value?

1. Higher Rates, Same Deposit

By collateralising your deposit, your bank can receive valuable liquidity treatment under Basel III regulations (LCR and NSFR). That treatment translates directly into improved economics for them, which they can pass back to you as a rate uplift. In other words, the same deposit now works harder.

2. Collateralised Protection

Instead of being an unsecured creditor of the bank, your deposit is backed by high-quality collateral, UK Gilts, HQLAs, or other approved assets. If the bank defaults, that collateral can be liquidated to repay your funds. That is a tangible layer of protection that unsecured deposits simply do not provide.

3. Freedom from Bail-In Risk

In the UK, unsecured deposits can be subject to statutory bail-ins, meaning your cash could be written down to shore up a failing bank. A secured deposit shields you from that exposure.

4. Full Control of Liquidity

Despite the added protection, your cash remains fully liquid. You are not locking yourself into complex securitisation structures. Consort1 handles all of that. From your perspective, nothing changes in how you deposit funds.

 Why This Matters

Every day you continue with unsecured deposits, you are effectively giving away:

• a higher rate of return,
• superior protection for your cash,
• and the chance to strengthen your banking relationships.

SDS exists to ensure you stop leaving that value on the table.

The Simplicity of the Solution

The beauty of the Secured Deposit Service is that Consort1 removes the complexity of collateralisation and ring-fencing. The service works seamlessly behind the scenes. For you, the process of placing cash does not change. For your bank, it means better regulatory treatment. For both of you, it means more value unlocked.

The Decision Point

For CFOs, treasurers, and heads of treasury, the question is no longer whether to act, it is whether you can justify not acting.

Access SDS within 14 days:

·      No set-up costs

·      No ongoing facility fee

·      Use SDS, don’t use SDS, it's up to you.

Put simply, Secured Deposits with Consort1 are the right choice if you desire any of the following:

1. Access to the highest possible interest rates on deposits,
2. Lower financial risk through collateral protection and bail-in avoidance,
3. Full control of liquidity with no change to your existing processes.

Consort1 exists to make that decision simple. The only change is that you gain.

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