Treasury services is a function of an

investment bank Investment is traditionally defined as the "commitment of resources into something expected to gain value over time". If an investment involves money, then it can be defined as a "commitment of money to receive more money later". From a broade ...

which provides transaction, investment, and information services for

chief financial officer A chief financial officer (CFO) is an officer of a company or organization who is assigned the primary responsibility for making decisions for the company for projects and its finances; i.a.: financial planning, management of financial risks, ...

s or treasurers. Treasury services concentrates and invests client money, and provides trade finance and logistics solutions as well as safeguards, values, clears and services securities and portfolios for investors and broker-dealers. Treasury Services is a transaction intensive and system intensive business. This is a source of risk free fee income for the bank. The key offerings under Treasury Services include: #

Accounts Receivable Accounts receivable, abbreviated as AR or A/R, are legally enforceable claims for payment held by a business for goods supplied or services rendered that customers have ordered but not paid for. The accounts receivable process involves customer on ...

service: Helping the client with products and solutions for receiving/collecting money for business deals/sales/service provided from its business partners, clients and large set of retail customers, more quickly and effectively. Example outstanding bills and invoices. #

Accounts Payable Accounts payable (AP) is money owed by a business to its suppliers shown as a liability on a company's balance sheet. It is distinct from notes payable liabilities, which are debts created by formal legal instrument documents. An accounts payable ...

services: Helping the client with products and solutions for making payments to its business partners, clients and retail customers. # Liquidity Management services: Helping the CFO of a company to manage short term assets and liabilities and have the optimum amount of

working capital Working capital (WC) is a financial metric which represents operating liquidity available to a business, organisation, or other entity, including governmental entities. Along with fixed assets such as plant and equipment, working capital is consi ...

.e.g. moving funds between different global accounts held by the client and investing excess cash to earn income, cash forecasting tools etc. # Reporting Services: Under this the service provider helps the client consolidate its receivables and payable positions across the countries of operation, across various currencies and reports a net payable / receivable position in each currency. This is very useful in making business decisions on FX and capital management. Rather than purchasing the required currency in small bits and pieces across the globe, the treasury can negotiate better rates for a consolidated open position. # Trade Finance Services: Helping the client trade across borders and ensure the delivery and timely collection of payments e.g., letters of credit, document collection services.

See also