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Cash pooling
Optimise your interest costs and returns and gain effective solutions for intracompany financing with Cash Pooling.
cash Pooling arrangements
tailored to your needs
tailored to your needs
earn more interest on your
accounts
accounts
you will have a clear picture
of your company’s liquidity
of your company’s liquidity
Notional Cash Pooling
- the primary purpose of cash pooling is to maximise your interest income and minimise interest costs while preserving the financial independence of your individual accounts,
- it is best suited to companies and institutions that have a decentralised financial structure and require the maximum autonomy of connected accounts,
- it can be used by independent legal entities and group companies with accounts in Komerční banka,
- there is no physical transfer of funds on connected accounts, only netting of their balances and thus no merger of funds,
- it can link accounts in different currencies and thus create a multi-currency structure.
Real Cash Pooling
- this is intended for independent legal entities and group companies with accounts in Komerční banka,
- in this arrangement, funds are really transferred between the central and connected accounts – the connected accounts are zero-balanced at the end of each working day,
- this gives the company or group full control of the funds in the Cash Pooling structure.
International Cash Pooling
- this is real, cross-border, single-currency Cash Pooling for groups of related companies with highly centralised financial management,
- it enables highly efficient cash-flow management in companies that operate internationally,
- accounts participating in international Cash Pooling are automatically zero-balanced every day and the funds are centralised in an account in Komerční banka,
- full current account services can be provided on the connected accounts.