Banking / Treasury & Foreign Exchange

Our treasury specialist department engage with companies of all sizes to improve profitability and reduce the obvious (and not so obvious) banking costs.

Our Benchmarking service, The Bank & Treasury Review, delivers significant savings in fees relating to payments, bank accounts, borrowing, deposits, currency transfers, foreign exchange and interest rate risk management.

Importers and exporters often see 20% of their profit margin eroded by strategic issues and bank transaction fees. Our team implement readymade solutions to resolve these issues very efficiently and very quickly. At the head of our team is an experience ACT qualified corporate treasurer, we help your business achieve substantial bank and treasury efficiencies, as well as reducing risk. The size of savings will vary from business to business, all very much dependent what the client company has previously negotiated.

HOW CAN WE HELP YOUR BUSINESS?

Reduce your overall bank costs
Manage your foreign exchange risk better (and cheaper)
Reduce your bank transaction costs
Help you create a treasury policy that covers foreign exchange risk, interest rate risk and your funding requirements
Arrange loans, overdrafts, and other sources of finance. (Please do not despair in these difficult markets)
Review interest calculations on overdrafts, loans, and interest rate hedging products such as swaps, collars, and caps
Re-banking your business
When requested we can provide your business with a fulltime or part-time in-house Corporate Treasurer

BANK AND TREASURY REVIEW

We also offer our clients an in-depth independent Bank and Treasury Review. The aim is of this is to make bank and treasury relationships more efficient resulting in reduced costs and/or increased income.

This is an in-depth review of a company ’ s banking costs, structure and arrangements. It is based on a twelve-month analysis of your bank balances and transactions. The objective is to enhance efficiency and identify areas for cost savings resulting in increased profitability.

It is an area where most financial controllers and Directors simply do not have the time available to review in such detail. The Review does not just focus on lending margins but is all-embracing from an analysis of payment methods to bench marking of margins applied to foreign exchange transactions. Our treasury experience and knowledge has benefited many businesses, the savings have been significant in most situations.

INTEREST RATE CALCULATIONS

Our specialised software recalculates and verifies overdraft interest for single accounts, group accounts, loans, deposit interest, interest rate swaps, collars, caps etc. in all currencies.

CASH MANAGEMENT

Designed for businesses with deposit balances over £500k

It includes: Security – do you have more than £100k with one institution? If you do, it is at risk. Liquidity – when do you need funds to pay suppliers and other expenses. Return – do you want to vastly improve your currently deposit interest returns.

CURRENCY PAYMENTS AND RECEIPTS

Achieve more competitive exchange rates. Eliminate payment charges on same day urgent payments. Access a high-tech payment platform. Benefit from free international currency accounts.

HOW CAN A BUSINESS MANAGE VOLATILE FOREIGN EXCHANGE RISK?

There are many ways to manovure and reposition everything we provide the tools to help you do that. Do you have a foreign exchange policy? What are your anticipated cash flows per month in each currency? What is the profit margin on your currency sales/purchases? (Do you wish to risk losing that profit margin?)