Visibility

The Start of Day (SoD) is effectively the opening balance across the group. It is viewable by receiving a report or by signing on via a terminal albeit mobile or fixed. It provides a summary of:

• The opening balances on the working capital accounts;
• List of treasury type assets eg. Call, fixed deposits, NCDs, etc.
• High level credit exposures to individual financial institutions including the working capital accounts and any foreign currency exposures;
• Simple interest rate exposure;
• Provides the viewer with an all-round high level synopsis;
• Serves as the central point of all cash management;
• Enables management to control the activities for that day.

• The risk culture in an organisation permeates from senior management down into operations.
• So, how do you get to know when the company is in breach or near breach of contract caveats, undertakings, or representations?
• Do you want to know?
• How soon after the event would you like to know?
• Experience shows that without liquidity or at least, access to liquidity, companies are unable to operate even for brief periods of time.
• Our approach is to pre-empt and be aware of the headroom available before breaches actually occur.
• Even where breaches are inevitable that a strategy has been formulated and ready to be actioned.
• Breaches can affect the reputation of your company. Is it worth protecting is the question you need to answer.
• This is just one aspect of practices 4D Treasury Services provides.

• Exposures in this context is limited to credit, interest rates, currency and commodity exposures.
• Is it valuable to firstly, know what your exposures are and secondly what the effect of market and price movements are on your business?
• We offer real time exposure reporting on certain transactional components of the business and next day reporting in respect of companywide exposures.
• Information is supplied through reports or by means of deal capture warnings.
• Asset and liability exposures are produced at a single stroke and consolidated in a single system generated report.

• Limits, facilities and guarantees are features of all businesses.
• They apply to internal and external parties which influence your company.
• By internally we refer to subsidiaries, divisions and departments which fall within your control.
• In cases where a monitoring function is required, this too can be accommodated.
• External parties would generally comprise legal entities who would provide assets or liabilities.
• The purpose is to provide management with an all-encompassing view of exposures across the group.
• Wouldn't it be nice to know what your commitments are and what facilities are available?

Let's face it, spreadsheets don't conform to true Governance, Risk and Compliance requirements. Even disregarding GRC:-

• Are you confident in the controls of cash and liquidity management?
• Do you have an acceptable measure of risk and exposure?
• Are your operations complying with policy and contract requirements?

If the answer is YES to all, read no further.

If not, 4D Treasury Services provides an answer which will empower, inform and instil an inner confidence in the decisions you make

Risk is unavoidable. However, if managed properly in conjunction with contingency planning, risk can become part of a standard procedure.

Would it be helpful to know how much risk the company is exposed to at the start of day, knowing what the baseline is and how this will affect your cash and future liquidity?

We provide a simple solution in the form of a report or file for analytical purposes.

When things are running smoothly nobody considers adversity.

We believe this is precisely the time when to consider negative market impacts on your business.

We provide for three scenarios. We belief that more would lead to confusion. More is not necessarily better

Scenario simulation covers:

• Interest rate movements;
• Foreign exchange rate moves;
• Commodity price changes

Our offering enables you to store, compare and have sight of your future cash and liquidity position under a chosen scenario.