Goldman Sachs

Access strategic advice, tailored capital solutions, and global expertise to pursue opportunities, raise financing, and drive business growth and transformation.

Access global market expertise, trading and financing services, and digital tools to execute strategies, manage risk, and pursue long-term performance.

Helps corporate treasury teams manage payments, foreign exchange, and liquidity through digital tools, real-time payment visibility, and streamlined treasury workflows.

Access a broad range of investment and advisory strategies across public and private markets to address diverse client needs.

Provides select individuals and institutions with premier advice, solutions, and service for wealth management.

Access private banking and lending services, including strategic lending.

Helps individuals and employers navigate financial needs with integrated planning and wealth management tailored to their circumstances.

Helps major brands offer embedded financial products through their own ecosystems and serve millions of customers.

Helps clients advance sustainability priorities with financing, investment, advisory, and risk management capabilities across public and private markets.

Investment Banking

Goldman Sachs provides investment banking services to corporations, governments, financial sponsors, and institutions, including financing, advisory, and liability management. Its teams advise on mergers and acquisitions and provide capital solutions spanning financing, origination, underwriting, structuring, and risk management. Clients draw on the firm’s market expertise, industry knowledge, and global network to pursue strategic priorities, raise capital, and support business growth and transformation.

• Navigate Strategic Transactions
  Clients can draw on transaction experience, industry and regional expertise, and a global network when evaluating alternatives and executing strategic plans.
• Access Tailored Capital Solutions
  Clients can access a broad range of capital markets and financing capabilities tailored to their business and transaction needs.
• Reach Global Opportunities
  Clients can draw on global relationships and international market knowledge to pursue opportunities and execute transactions across jurisdictions.
• Execute Complex Transactions
  Clients work with experienced teams focused on transaction execution, tailored advice, and service aligned with their strategic objectives.
• Address Capital Structure Needs
  Clients can seek liability management and capital structure advisory capabilities alongside financing and other investment banking services.
• Apply Sector-Specific Expertise
  Clients receive advice and solutions informed by industry knowledge and coverage organized across sectors, regions, countries, and company sizes.
• Strengthen Board Governance
  Organizations can access director engagement and strategic board placement services to enhance their corporate governance structures.

FICC and Equities

Goldman Sachs’ FICC and Equities business serves asset managers, hedge funds, banks and brokerages, pensions, endowments and foundations, corporations, and governments. Its global franchise brings together trading, market-making, risk management, lending, financing, execution, and digital market services. Offerings span equities and equity derivatives, fixed income and credit, interest rates, currencies, commodities, mortgages and structured products, and repo. Experienced traders, sales professionals, and risk managers combine market insights with products and solutions designed to support client performance and withstand volatility. Its Marquee digital marketplace provides market intelligence and analytics to help clients refine market views, manage or hedge risk, and execute trading strategies.

• Apply Global Expertise To Market Challenges
  Clients can draw on a global franchise and experienced market professionals for trading, risk management, lending, and execution services across a diverse range of markets.
• Access Markets Across Diverse FICC Products
  Clients can access market-making and services across interest rate and credit products, mortgages, currencies, commodities, and financing activities.
• Access A Broad Range Of Equity Products
  The breadth of products enables clients to access equity and convertible securities, ETFs, options, futures, derivatives, and prime financing through the Equities franchise.
• Trade Equities Through Multiple Execution Channels
  Clients can access market-making and equity execution services across listed products, synthetic shares and baskets, and electronic trading.
• Manage Risk And Access Liquidity
  Prime Brokerage supports hedge funds with risk management, portfolio monitoring, liquidity access, and services to help build their businesses.
• Hedge And Finance Equity Exposures
  Institutional and corporate clients can access option strategies and liquidity in complex and bespoke equity derivatives to support their hedging and financing needs.
• Access Services Across Credit Products
  Institutional clients can access insights and services across a range of credit products, including bank loans and investment-grade, high-yield, and municipal debt in cash and derivative forms.
• Manage Interest Rate And Macro Risks
  Clients can access liquidity, manage global interest rate exposures, and hedge macroeconomic risks such as inflation and growth.
• Refine Views, Manage Risk, And Execute Trades
  The digital marketplace brings market intelligence and pre-trade analytics together to help clients refine market views, support trading decisions, manage or hedge risk, and execute trading strategies.
• Access Clearing, Lending, And Custody
  Investment advisors and their clients can access clearing, lending, and custody solutions through Advisor Solutions.
• Connect To Global Exchanges And Clearing
  Clients can access global equities and listed derivatives exchanges, as well as major over-the-counter central clearing counterparties.
• Manage Commodity Execution And Risk
  Clients can access commodities execution, risk management, and financing services across oil, natural gas, power, metals, and agricultural products.
• Trade Currencies And Emerging-Market Products
  Clients can access market-making across developed and emerging-market foreign exchange products, along with emerging-market credit and rates products.
• Access Mortgage And Structured Financing
  Clients can access market-making, loan trading and origination, and asset-secured financing across several mortgage, real estate, and private credit asset classes.
• Secure Short-Term Collateralized Financing
  Clients can access short-term collateralized financing and repo and reverse repo market-making.

Goldman Sachs Transaction Banking (TxB™)

Goldman Sachs Transaction Banking is an API-first, cloud-native digital banking platform for corporate treasurers and payments executives. Its payments and cash management platform provides a modern, intuitive experience with rich functionality. The platform uses technology-driven solutions to address electronic payment, foreign exchange, and liquidity needs, with offerings that include payments, strategic liquidity, escrow, and digital channels.

• Access Banking Through Digital Channels
  Use a digital-first platform built for corporate treasury needs, with API-first and cloud-native foundations.
• Manage Electronic Payments
  Address electronic payment needs through TxB’s payments and cash management platform.
• Monitor And Manage Liquidity
  Use liquidity solutions and on-demand visibility to support treasury management.
• Track Payment Status In Real Time
  Follow payment status in real time to gain visibility and support timely decisions and actions, subject to system and provider availability.
• Address Foreign Exchange Needs
  Access foreign exchange solutions as part of the platform’s digital-first transaction banking offering.
• Access Treasury Information On Demand
  Access payment status and liquidity information on demand through omnichannel access.
• Centralize Cash And Support Reconciliation
  Virtual integrated accounts have supported centralized cash structures and liquidity visibility, as well as automated reconciliation and reporting in client examples.
• Streamline Treasury Workflows
  Use streamlined workflows to manage treasury activities through the platform.
• Manage Treasury Through Self-Service Tools
  Use self-service tools to manage treasury activities through the platform.
• Automate Treasury Operations
  TxB solutions helped a client automate treasury operations and improve operational efficiency while working to centralize treasury and payments operations.
• Use Smart Payment Tools
  Access smart payment tools through the platform’s payments and cash management functionality.
• Access Escrow Services
  Access escrow as part of TxB’s transaction banking solution offering.

Asset Management

Goldman Sachs Asset Management provides investment and advisory services across public and private markets for institutions, financial advisors, and individuals. Its strategies span asset classes, industries, and geographies, including equities, fixed income, liquidity solutions, alternatives, multi-asset solutions, and investments with external managers.

Category: Asset Management Services

• Access Investment And Advisory Services
  Goldman Sachs Asset Management delivers investment and advisory services across public and private markets for institutional and individual clients, including financial advisors.
• Access Diverse Alternative Investments
  Clients can access investment strategies across a broad spectrum of alternative asset classes, including private equity, growth equity, private credit, real estate, infrastructure, and hedge funds.
• Invest Across Global Equity Markets
  Clients can access equity strategies across developed and emerging markets, using active, bottom-up approaches informed by fundamental and quantitative methods.
• Choose Flexible Fixed Income Strategies
  Clients can access strategies investing in currencies and public credit issuers, with single-sector, multi-sector, and regional approaches.
• Build Custom Portfolios
  Clients can receive custom portfolio design and guidance on asset allocation and risk management through multi-asset solutions.
• Invest In Short-Term Liquid Assets
  Liquidity strategies invest in highly liquid, short-term investments, including government instruments.
• Access External Asset Managers
  The External Investing Group invests in leading traditional and alternative asset managers outside Goldman Sachs, extending clients' access to third-party managers.

Private Wealth Management

Goldman Sachs provides wealth management services for select individuals and institutions, including advice, solutions, and service tailored to client needs. The offering is described as providing premier advice, solutions, and service.

• Access Premier Advice
  Clients can access advice as part of Goldman Sachs’ wealth management offering for select individuals and institutions.
• Choose Tailored Solutions
  Clients receive wealth management solutions tailored to their needs.
• Receive Premier Service
  Select individuals and institutions can receive service through Goldman Sachs’ private wealth management offering.

Private banking and lending

Goldman Sachs offers private banking and lending through its Asset & Wealth Management business. The linked service page is for strategic lending.

Goldman Sachs Ayco

Goldman Sachs Ayco provides financial planning and wealth management for executives, employees, retirees, individuals, and employers. Its services include integrated guidance across financial disciplines, workplace planning benefits, and custom investment management delivered through experienced financial professionals and wealth advisors.

• Coordinate Guidance Across Financial Needs
  Clients can receive planning guidance across benefits and compensation, retirement, cash flow, investment, estate planning, taxes, risk management, and insurance.
• Navigate Compensation And Benefits
  Experienced financial professionals provide planning and wealth management informed by the financial complexities of compensation and benefit plans.
• Access Tailored Investment Solutions
  Clients can use investment solutions on the Goldman Sachs wealth platform and receive asset allocation recommendations from the Wealth Management Investment Strategy Group.
• Access Custom Wealth Management
  High-net-worth individuals and families can work directly with wealth advisors for custom investment management and access to the Goldman Sachs investment platform.
• Support Employee Financial Planning
  Employers can offer workplace financial planning benefits that help executives and employees navigate financial complexities and make use of their compensation and benefits.
• Coordinate Household Financial Relationships
  A single point of contact helps coordinate a household's existing professional relationships and support its broader financial needs.

Enterprise Partnerships

Enterprise Partnerships helps major brands offer embedded financial products, including credit cards and high-yield savings accounts, within their customer ecosystems. Its API-first platform is backed by Goldman Sachs’ financial expertise and offers a customized deployment approach, modern agile technology, and support informed by the firm’s risk management and regulatory knowledge. The offering is designed to help brands serve millions of customers. Not all products and functionality mentioned are currently available through the API platform.

• Offer Financial Products Through APIs
  Brands can use the API-first platform to offer financial products within their own customer ecosystems. Not all products and functionality are currently available through the API platform.
• Customize Product Deployment
  The customized deployment approach lets partners implement the offering in a way suited to their ecosystem.
• Embed Credit Cards In Ecosystems
  Brands can offer credit cards within their own ecosystems to serve customers through their existing experiences.
• Embed High-Yield Savings Accounts
  Brands can offer high-yield savings accounts within their own ecosystems. Not all products and functionality are currently available through the API platform.
• Leverage Goldman Sachs Expertise
  Partners can offer financial products powered by Goldman Sachs and backed by the firm’s more than 150 years of financial expertise.
• Serve Customers Through Brand Ecosystems
  By offering embedded financial products within their ecosystems, major brands can serve millions of customers.
• Deploy With Agile Technology
  A modern, agile technology stack supports deployment of financial products through partner ecosystems.
• Draw On Risk And Regulatory Knowledge
  Goldman Sachs’ risk management and regulatory knowledge support the partner offering.

Sustainable finance services

Goldman Sachs supports clients’ sustainability priorities through financing, investing, advisory, and risk management services. Its offerings include market-based solutions across public and private markets, innovative structuring and financing, investment of Goldman Sachs or client capital, and strategic advice on mergers and acquisitions, divestitures, and spin-offs. The services address sustainability-related opportunities and risks, guided by a framework focused on Climate Transition and Inclusive Growth. Goldman Sachs aims to mobilize $750 billion in sustainable finance activity by 2030.

• Access Capital For Sustainability Priorities
  Clients can access capital through transactions and risk management solutions designed to support their sustainability priorities.
• Invest Capital Across Public And Private Markets
  Goldman Sachs allocates its own or client capital to public and private investments that support sustainability priorities.
• Address A Broad Range Of Sustainability Priorities
  The framework covers a range of client sustainability priorities, from clean energy and sustainable transport to financial inclusion, education, healthcare, and community development.
• Navigate Strategic Sustainability Decisions
  Clients can draw on Goldman Sachs expertise and strategic recommendations when considering transactions such as mergers and acquisitions, divestitures, and spin-offs.
• Manage Sustainability-Related Risks
  Dedicated risk management capabilities support clients as they address risks related to sustainability priorities.
• Develop Solutions For Unmet Market Needs
  Clients can benefit from solutions developed in response to unmet market needs, with Goldman Sachs collaborating with strategic partners and drawing on its existing capabilities.
• Track Sustainable Finance Activity
  The framework tracks sustainable finance activity across financing, investing, and advisory services against Goldman Sachs’ stated firmwide goal.