Cash Management

Services
Development of process to collect receivables, make payments & Manage liquidity
List Channels of collections, payments, reconciliation, accounting, connectivity to internal corporate
systems
Full Circle Process ( Purchase Order, Receivables, Cash Management)
Cost Optimization & Value addition
ERP Integration, Reconciliation, Real Time Reporting, End to End view of Cash Management

Cash Management Services

Alignment of Companys ERP
End to End View of Cash Management
Reconciling all cash related transactions
Monitoring Exposure & reduce Risks
Full Cycle Process

Cash Management Services

Internet Front Management, Receivables, Liquidity
Management
Collection, Cash Management, Payment
Application Re Engineering
Infrastructure Management
Forecasting

Benefits
Eliminating Idle cash
Monitoring Exposure & Reducing Risks
Ensuring Timely deposits of collection
Diarizing for timely payment.

Cheque Collection System

Cheque Collection Policy
RBI/IBA Guidelines
Technological Capabilities, System & Processes, Internal
Arrangements
Processes adopted for clearing
Own Cheques (Local/ Outstation)
From Branches of other banks (Locally)
Time Frame for Collection of outstation cheques
Penalty for delayed collection

Collection of Documentary bills

Bills are sent to Bank of the purchaser
Documents include Bill of lading/ Railway Receipt
May be delivered against Payment/ Acceptance
May be supported by Letter of Credit
Adds Flexibility to trade transactions without increasing
Systemic risks
Cost Effective, No advance involved
Credit Risk to be assessed

Ancillary Services
Remittances
Mail Transfer
Telegraphic Transfers
Electronic Transfers ( NEFT/ RTGS)
Drafts (Trustee)
Electronic Clearing System
UPI

Safe Custody of Valuables

Safe Custody of Valuables
Nomination
Lockers
Fee/ Size
Nomination

Future Bank Branches

No Password- Voice Recognition
Chic Lounges Edgy Designs Cool Sleekness of Apple
Store
Robots Greets/ Guides
No Neighbourhood Branches, Branches to be thin &
wide spread

Customer Relationship Management

Customer Centric Organization
Retaining customer major concern
Customer Risk
Customer Management

Customer Relationship Management

Banks Failure
Customer Service
Expertise
One Bank One service
Changing Banks frequently Security / trustis prime
concern
Regulatory Concern : Treating Customer Fairly
Understanding Market: New Product, New services

Customer Relationship Manegement

Public Sector: Ambience, Staff Behaviour,
Infrastructure,Timing, More Facilities
Private Banks: Charges, Statement of accounts,
Communication
Foreign Bank: Charges, Accessibility, Communication

Questions
Prepare a Cash Management solution of a
Manufacturing Company
Write a note on cheque collection policy presently in
vogue in the banking system.
PL elaborate as to how a bill collection system works to
improve business transactions
How does bank increase its income by extending safe
custody of valuables/ Lockers services
What are different remittance modes are common in
India.