Banking & Treasury Management
Overview - Banking as a Services
Banking is a specialized domain and a profession in its own. Numerous management institutions offer courses in banking management, emphasizing the need for professionals with relevant education and experience. Banks employs relevant professional with right education and experience to deliver its services.
Why Banking as a Service
Large Corporate customers
Typically employ dedicated team to manage their banking needs. These teams fall under the treasury department and ultimately report to the CFO or Director of Finance. Since there is professional element at both ends, overall discussions and flow of information is very smooth thus resulting into effective and enhanced relationship management.
Small to Mid-Size Companies
Small to mid-sized companies often do not require a dedicated banking manager due to lower transaction volumes. This task is usually undertaken by accounts team. But at times, the focus shifts to regular operational issues in business transactions and gap forms by delayed submission of data to the bank or in ensuring compliance of banking guidelines. For these companies, our services cover the following areas under Banking as a Service (BaaS) and we become your face for your bank
What We Serve
Compliance Management
Financial commitments demand timely compliance—accurate stock statements, stock audit closure, renewal of limits, quarterly reports, and adherence to sanction terms like covenants, inspections, fund infusion, and project monitoring ensure smooth banking relationships.
Negotiation
Negotiation with banks in getting best financial and non-financial terms which comprises of interest rate, changes, fees, commission etc. We will assist in negotiation and ensure company gets the best available commercials in the market. This is further reviewed on periodic basis as well. Non Financials Negotiation terms are Collateral Cover for particular debt, Cash Margin for Non fund based limits, any specific Covenant/Condition stipulated by the bank.
Trade & Transaction Advisory
Specific transaction level advisory on a specific event such as any specific clauses to be inserted/deleted for a Bank Guarantee/LC, Structuring of overseas/Indigenous Trade Transaction, ODI/FDI related guidance/compliances etc.
Debt Management
Assess current debt structure and terms with existing banks and improve to suit the company with right working capital facility in line with nature of the business. Identify opportunities for cost reduction and improved terms & product solutions.
Collateral Management
Conduct a detailed assessment of existing collateral arrangement and negotiate with lenders to establish pari passu arrangement on common collateral among banks aligning for every stake holders interest and hand holding of security creation process for the facilities sanctioned by the banks
Relationship Management
Effective relationship management by discussing relevant major updates on overall business performance of the company at regular intervals and also interaction with bank officials for bettering the services
Overview - Corporate Finance/Treasury Services
Treasury services ensure management and optimization of capital and to work out quantum of capital needed for coming financial year/s to achieve the business goals.
What We Serve
Business Goals and Outlook
Engaging with the management team to gain a detailed understanding of future business objectives and growth projections to enable us to suggest inputs for betterment
Financial Budgeting
Creating a detailed financial budget that outlines the funding required to meet these goals, along with a gap analysis comparing the required funds to available capital.
Capital Raise Strategy
Developing a strategic fund-raising plan, considering various funding options such as debt, equity, or alternative financing structures.
Working Capital Optimization
Ensuring that working capital limits are aligned with the actual requirements of the business. Analysing sources and applications of funds, particularly focusing on receivables, inventory and payables, to ensure efficient use of working capital.
Cost of Capital Evaluation
Regular assessment of cost of funds raised from various sources, including debt and equity and propose strategies to minimize financing costs and improve overall financial efficiency.
Improved Financial Decision Making
To give inputs to management for effective decision making by sharing inputs & analysis before taking any major decision which includes deployment of funds.
Project Cost Estimation
Collaborate with the management to gather detailed cost data and cross-validate the same with relevant quotations from suppliers. Develop a comprehensive cost breakdown, including capital expenditures (CAPEX) and operational expenditures (OPEX) which becomes base for fund raising for the project