Cash Concentration - Liquidity Management | DBS HK Corporate Banking

Cash Concentration

Optimise group cash balances through the automated movement of funds

Cash Concentration

Optimise group cash balances through the automated movement of funds

At a glance

DBS’s innovative Cash Concentration liquidity management solution lets you earn higher yield and lower overdraft charges by allowing you to move funds automatically between accounts to achieve a zero or target balance set on each of your business’ sub accounts.

Features & benefits

Optimise working capital liquidity

Optimise your group cash balance and earn higher yields by investing your consolidated balance

Maximise internal self-funding

Make consolidated idle cash available to sub-accounts as additional funding for payments

Real-time visibility of cash flow

Access real-time liquidity position, create alerts and view reports through DBS IDEAL, our online banking platform, for greater convenience

Hassle-free

Eliminate the hassle of manual reporting, tracking and reconciling your inter-company balances

DBS Treasury Prism

DBS Treasury Prism is world's first online treasury and cash management simulation platform. Simulate cash management structures and identify the optimal solution for your business with a single click.

Learn more

FAQs

	Can DBS support Cash Concentration structures in different currencies?
	Yes, we can support structures in different currencies. However, each structure can only consist of accounts of the same currency.

	Can I sweep funds from other banks to my DBS account?
	Yes, we have the ability to pool in funds from other banks, from anywhere in the world, as long as the third-party bank participates in the SWIFT network.

	What’s the difference between Notional Pooling and Cash Concentration?
	Cash Concentration involves physical movement of funds into a concentration account, thus, it creates inter-company loans, as money belongs to a different entity. There is no physical movement of funds for Notional Pooling, because account balances are notionally set-off.

	Can we do this on a regional basis?
	Yes, you can access our regional liquidity management capabilities, such as cross-border sweep and interest optimisation. However, they are subject to the regulations of each country/region.

	Why are there surplus funds in my sub account at the end of the day when it was meant to have a zero balance?
	Funds on hold in the sub-account are not available for use, and therefore can’t be swept up to the master account. Common examples include AutoCollect transactions and cheque deposits, which are placed on hold until they are cleared the next business day.