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OVERVIEW CASH

MANAGEMENT

What is Cash Management

What is Cash Management?

System,
Technolog
y

Customer

A/R

A/P

Mgt

Mgt
Liquidity
Mgt

Vendor, Supplier,
Bussiness
Partner,
Employee

Cash Management is
A group of techniques designed to both maintain a
companys liquidity and at the same time maximize its
return on cash assets.

What is Cash Management

Business Needs

Collection Services

Product
Offered
Retail Product ( OTC ),
Elect.Bkg
Receivables Financing, VA

Payment Services

Liquidity Services

Monitoring & Control


Services
Reporting Services/Data
Mngt

Direct Credit Mass


Disbursement
Vendor / Supplier Payment
Payroll,
Cash Pooling, ZBA, TBA, Budget
Acct
Notional Pooling, Escrow Agency
Electronic Banking
Internet Banking
Download Data for Reconcile
ERP Interfacing-Bank
Statement

Market Segmentation

Segmen
Customer

Small & Medium


Enterprises

Commercial
Customer

Corporate
Customer

Solutions

Cash
Management
Services
Required

Generic Product
Generic Product,Transaction & Liquidity
Generic Product,Transaction & Liquidity Mngt, Cash Optimization

Generic Product :
Electronic/Internet
banking

Transaction &
Liquidity Mngt
- Bulk Collection,
- Bulk Payment
(Vendor,Payroll)
- Cash Pooling

Cash Optimization
- Notional Pooling
- B2C,B2B

Industry Segmentation

Internet Banking. Collection,Payment,


Cash & Notional Pooling, Escrow
Agency dll

Oil,Mining, & Gas

Internet Banking. Collection,Payment,


Cash Pooling, H2H. UBP

Contractors

Internet Banking. Collection,Payment,


Cash Pooling, Escrow Agency

Manufacture
Trading Co.
Distributor
Multi National Corp

SOLUTIONS

Telco, Electricity

Internet Banking. Collection, Payment.


Cash Pooling, Virtual Account
Internet Banking. Collection, Cash
Pooling, MTS (Mass Collection), Retail
Product
Internet Banking, Collection, Payment.
Retail Product (BDS), Cash & Notional
Pooling

Multi Finance

Internet Banking. Collection, Cash Pooling,


Direct Debit, UBP, Retail Product, Virtual
Account

Insurance Company

Internet Banking. Collection, MTS (Mass


Collection), UBP, Virtual Account

Role of Cash Management in


Banking
With Cash Management
Division
(Local Bank)
Div. Cons
(product)

Div. Cash
MGT
(product)

Div. Mass
Bkg
(product)

Div.
Credit
(product)

Div. Tech
(product)

Div.
Credit
(Product)
Point
of Contact

Div. Corp
(product)

Div.
Comm
(product)
Div. Electr
Bkg
(product)

Role of Cash Management in


Banking
With Cash Management
Division
(Best Practice)
Div. Cons
(product)

Div. Card
(product)

Div. Mass
Bkg
(product)

Div.
Credit
(product)

Div. Tech
(product)

Cash
MGT
(solution)
Project
Owner

Div. Corp
(product)

Div.
Comm
(product)
Div. Electr
Bkg
(product)

Strategic Cash Management Selling

Consumer
Cash
Management

Advertisement
Brochures
Catalogue
Demo

Corporate
Cash
Management

Walk the talk


Observation
Analysis
Solution
Recommendatio
n
Proposal
Implementation

Cash Management Trend in Indonesia


Bank :

ATM

Supplemental Product
Cost Center
Selected Customer
Limited Competition
Image Problem

Customer :

Image
Technology Concern
New Product

CM

Bank :

Generated business
Mass product
Full Competition
Image

Customer :

Bank :
Big business
Aggressively Scaled
Laggards Cant Catch Up
Customer :
Absolute Demand

Convenience
Flexible
Customers Want It

1980

1990

2000

1990

NOW

20...

Bank :
Supplemental product
Cost Center
Selected Customer
Limited Competition
Image Problem
Customer :
Low Image
Technology concern
Early adopters
Low Technology
Distributed Authority

Bank :
Bank :
Supplemental product
Big business
Starting Generate Business
Aggressively Scaled
Laggards Far Behind
Selected Customer
Competitor : Aggressive Approach
Customer :
Appearing
Absolute Demand
Customer :
Technology Driven & Aware
Customers Want It (78 % Aware)
Mid High Technology
For efficiency,

What is Cash Management

CUSTOME
R
Managing &
navigate cash
based on
efficiency &
effectiveness
via one stop
banking
services

BANK
GOAL

Create low risk &


sustainable solid
revenue through
integrated bank
wide
products/package
deal based on fee
basis and service
excellence
concept

1. TOTAL SOLUTION = TOTAL SOLUTION NOT PRODUCTS


2. CUSTOMER DRIVEN = TAILOR MADE, NO GENERIC
PROPOSAL

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