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Getting a grip on the cash strategy

When a positive operating cash flow is realized, it is easier for a company to invest in acquisitions, fixed assets and innovation, for example. On the other hand, a negative operating cash flow can be an indication that the survival of an organization in the long term may be at…

Update of liquidity forecasts

During uncertain times, making a forecast requires extra effort and poses a greater challenge. For example, due to uncertainty, it may be decided to update the liquidity forecast(s) more frequently. The question raised then is what frequency is appropriate and how to deal with the assumptions underlying forecasts made during…

Savings modelling series: Non-maturing deposits model concepts

Are you interested in a more in-depth comparison of deposit modeling concepts? Click here. For banks with significant non-maturing deposits portfolios, Risk Management functions need to have a robust behavioural risk model. This model is required for Interest Rate Risk in the Banking Book reporting, hedge, stress testing, risk transfer, and…

The impact of liquidity spread risk on banks’ earnings

External client rates can be split up in an interest-rate component, a liquidity spread and a margin covering, for example, operational and credit risk. To limit the risk of a decline in profitability, banks often hedge the interest-rate risk as part of their risk management framework. Since the global financial…

Replicating investment portfolios: a quantitative analysis

A replicating investment portfolio is a collection of fixed income investments based on an investment strategy that aims to reflect the typical interest rate maturity of the savings deposits (also referred to as ‘non-maturing deposits’). The investment strategy is formulated so that the margin between the portfolio return and the…

A comprehensive guide to Credit Rating Modelling

For all the criticism that rating models and credit rating agencies have had through the years, they are still the most pragmatic and realistic approach for assessing default risk for your counterparties. Of course, the quality of the assessment depends to a large extent on the quality of the model…

TMS Selection Service – Boost the traditional selection process using bespoke technology!

Do you have difficulties setting out your treasury technology requirements (both from a functional as well as IT perspective), or matching those to the latest capabilities of a modern Treasury Systems? Are you wishing for a technology selection process that is less cumbersome and time consuming? If you said ‘yes’…

Combining SAP ERP and a third-party TMS

On one hand, the trend towards ERP system consolidation has progressed, most companies have centralized all their global entities and processes in a single environment with unique master data. At the same time, the trend towards cloud solutions has brought innovation and increased competition also to the TMS area. In…

Preventing payment fraud with SAP Advanced Payment Management and Business Integrity Screening

Payment fraud originating from within or outside an organization must be guarded against. Read on to learn how SAP Advanced Payment Management (APM) and Business Integrity Screening (BIS) can help. Compliance requirements, audit needs and external factors like embargos, sanctions imposed by governments, and so on are additional imperatives for…

Zanders enters Middle East with ADGM office

From there, the financial consultant further expands its track record in the global market for treasury, risk and finance services. As capital of the United Arab Emirates, Abu Dhabi is home to large corporates, investment banks, fintechs, private equity firms and venture capitalists, asset managers and the largest sovereign wealth…

Strategic Benchmarking

Understanding how your treasury measures up against best practice and your peers is a powerful way to drive forward your performance.

Our Purpose

We deliver financial performance when it counts, to propel organizations, economies and the world forward. For almost 30 years, the world's guardians of financial performance have relied on Zanders. We help C-suite leaders, Corporate Treasurers and Risk Managers protect and enhance value for the shareholders of today and the stakeholders…

Software

Working Capital Management…

Much has been written about COVID-19, its related shutdowns, financial impact and high levels of disruption caused. Although the direct effects of the virus have probably come to a halt, corporates are still facing its (in)direct consequences to this day. As the economy attempts to return to business as usual,…

ESG-related derivatives: regulation & valuation

The most popular financial instruments in this regard are sustainability-linked loans and bonds. But more recently, corporates also started to focus on ESG-related derivatives. In short, these derivatives provide corporates with a financial incentive to improve their ESG performance, for instance by linking it to a sustainable KPI. This article…

Cash Positioning in a multi ERP landscape

There are various sources from which treasurers obtain information that forms accurate cash position within the company’s ERP or Treasury Management System. The most important of these sources is the current available balance, most often obtained from bank statements which are reported by various banks through numerous protocols. Depending on…

Sony Group Corporation wins an Adam Smith Award

The winners’ announcements of the 2022 Adam Smith Awards took place on 12 May in London. On that date Hiroyuki Ishiguro, Gurmeet Jhita and Terry Vouvoudakis, on behalf of their teams, were announced as the winners of this prestigious award. On 14 June, during the Awards dinner, the award was…

A roadmap to becoming a data-driven organization

Developing a data strategy depends on using the various types of payment, market, cashflow, bank and risk data available to a treasury, and then considering the time implications of past historical data, present and future models, to better inform decision-making. We provide a roadmap and ‘how to’ guide to becoming…