Interested in
Treasury Services?
Get in touch with Hugh Davies or Sander van Tol for more information about Treasury Services.
We support financial institutions in the optimization of treasury management, focusing on the whole treasury process: from exposure management, front office and back office/operations to accounting.
Our treasury management services to banks, insurance companies and asset managers includes the following processes:
The following departments are involved:
We support our clients in the following areas:
In the beginning of March, Zanders organized a “jargon-free” Breakfast Session to explore what robotic process automation (RPA) is all about. We had a look under the hood of a complex, hard-workin...
In the beginning of 2018, we launched the cloud-based platform Zanders Inside, in order to bring innovative risk and treasury solutions directly to our clients.
Are you thinking about replacing part of your workforce by automated robots? Think again, because Robotic Process Automation (RPA) is not about getting rid of what may be your company's most valuable ...
Life for the group treasurer of an insurance firm has probably never been as hectic as it is today. With an overwhelming regulatory burden (including IFRS 9 and 17, GDPR, and IBOR's discontinuity), ne...
The cash management trend of pooling and centralizing excess cash has been a focus area for most treasury departments over the past decade. The are many benefits to this approach, including gaining a ...
To respond to the concerns about the reliability and robustness of the IBOR benchmarks, the Financial Stability Board (FSB) recommended the development of an alternative (nearly) risk-free reference r...
Thanks to exponential technological developments, the world is becoming increasingly connected and accessible, in the broadest sense of the word. This is why running nearly any type of business has be...
Benchmark interest rates are an essential part of financial markets. These interest rates are used for numerous financial products, such as bonds, loans and derivatives, and in the construction of dis...
Regulatory developments are changing the shape of the European financial landscape – so to what extent will this create a level playing field for banks and insurers in the Dutch residential mortgage...
Today’s technologies offer opportunities that we have never seen before. Moreover, these possibilities are becoming greater continuously; today’s technologies do not develop linearly, but exponent...
In the spring edition of Zanders Magazine we briefly described the scientific theory behind our Framework for Acting under Uncertainty and Complexity (FAUC®), a framework that assesses complexity and...
Social complexity and uncertainty have an increasing impact on our social and working lives. Complementary to traditional techniques, organizations and societies therefore require a different approach...
If it takes you more than 30 minutes to update your global daily cash forecast, you need to evaluate the tools and methods in your cash forecasting process. If you still rely on Excel for cash forecas...
With more than 6,500 delegates attending last month’s AFP annual treasury conference in Orlando, it is the largest annual treasury get-together in the world.
So what does it mean to transcend treasury? Zanders in collaboration with the AFP will present a White Paper answering this question at the AFP’s flagship conference in Orlando October 25, 2016 in O...
Many corporate treasurers are considering ways to optimize their treasury function to meet ever-changing internal and external requirements and respond to market developments. However, defining the ne...
Immediate payments are already available in a number of countries but it’s only since the European Payments Council (EPC) proposed the Single Euro Payments Area (SEPA) instant payments initiative, i...
Virtual accounts (VAs) were initially available in a limited number of countries and offered by a select number of banks, however, the product gained significant global acceptance by banks as a produc...
A few years ago it was deemed highly unlikely that euro interest rates would move below the perceived floor of zero. Nowadays, we encounter a sub-zero interest-rate environment that raises many challe...
On 23rd of June 2016, the Zanders Belgium Annual Treasury and Risk Seminar was held in Antwerp where more than 30 invited experts discussed the latest developments and innovations.
At the end of February 2016, Prime Minister David Cameron announced that Britain would have a referendum on 23rd June 2016 to vote on whether it will remain in the European Union (EU). The referendum ...
Treasury transformation refers to the definition and implementation of the future state of a treasury department. This includes treasury organization & strategy, the banking landscape, system i...
As well as being a member of the board of the DACT (Dutch Association of Corporate Treasurers), Bart-Jan Roelofsz is mainly known as group treasurer and insurance manager at Endemol Shine. This enter...
Companies across Europe, the Middle East and Africa (EMEA) have been at the forefront of the adoption of shared service centers (SSCs) in order to lower costs over the past two decades as part of a br...
The Spoorwegmuseum (Railway museum) in Utrecht symbolizes some of the subjects discussed during the Zanders Treasury & Risk Seminar 2016 on Thursday, March 17th. In short: Treasury has been and still ...
In 2014 the International Accounting Standards Board (IASB) published the final version of the new standard IFRS 9 Financial Instruments.
Accurate and timely cash position and cash flow forecasting (CFF) information is paramount for multinational corporations (MNCs) to guide funding and investment decisions, to manage cash and liquidity...
Visual Risk and Zanders collaborate to take corporate financial risk management to the next level.
Some high profile multinational corporates (MNCs) have made public headlines lately with regards to their tax strategies.
Traditionally, managing bank accounts and related information, for example on signatories, has been a laborious and error-prone process that is decentralized across global locations.
Non-profit organizations (NPOs) come in all shapes and sizes: from governmental to non-governmental organizations, from nationally to internationally operating organizations and from very small to ver...
How can treasury expand its role and deliver more value to the company using a performance management reporting and control framework?
The Royal Bank of Scotland’s (RBS’s) decision to substantially reduce its Global Transaction Services business outside the UK and Ireland has had a major impact on corporates across the region. Bu...
While many banks are still assessing the precise impact of Basel III on their capital requirements, there is a general consensus that they are set to rise. Higher capital requirements will negatively ...
Ever since Stern Stewart & Co. introduced the concept of Economic Value Added (EVA) in 1982, organizations have been striving to maximize Shareholder Value (SHV). While EVA and treasury performance m...
How do you fund local projects in war-torn countries or manage your cash and risks in the midst of unpredictable (natural) disasters? While corporates are usually concerned with issues such as loan ma...
With regulatory projects such as SEPA or EMIR now mostly completed or in hand, many corporate treasurers are again turning their attention to projects that drive simplifi cation and rationalization in...
Sir Richard Branson once said: “If you want to be a millionaire, start with a billion dollars and launch a new airline.” Although this statement might be an exaggeration, the airline in...
Jim Kaitz, president and CEO at the Association of Financial Professionals (AFP), is a well-known face in the corporate treasury industry in North America. While the AFP’s reach is alrea...
Managing an organization’s cash flows and streamlining its financial logistics is of paramount importance to managing liquidity risk and optimizing interest charges. There are various ways to...
In recent years, cloud computing has become an important part of information technology. It is currently a buzzword among IT decision-makers, and the implementation of treasury management systems (...
Many articles claim to describe the most recent trends in a certain field. Our field of treasury, risk and finance is undergoing major changes and it seems as if one trend is blending into the next...
Virtual accounts have the potential to significantly improve cash collections through accelerated cash centralization and more efficient accounts receivable reconciliation. It is an innovative cash ma...
Integration between treasury and the wider business is a prerequisite for an effective and efficient treasury organization. The remit of the treasury function has changed in recent years so that tr...
"I've heard a lot about making sure treasury is a strategic partner to the business. Can you clarify what steps treasurers can take to achieve this and what are the benefits?"
As business is increasingly done on a global level, communicating efficiently with internal and external stakeholders is a basic requirement for corporates. Luckily, the era of sending messages by ...
Banners of research projects conducted around Europe covered the halls of Nyenrode University in late 2013. More than 50 delegates from universities, corporates, banks, and government met to discus...
Since the Enron scandal and the resulting introduction of Sarbanes Oxley (SOX), the pace of regulatory change has never lost momentum. On the back of the financial crises of 2008, more new regulati...
The 2008-09 global financial crisis triggered a reactive response - in the form of the Basel III capital adequacy regime and other regulation - to reduce the negative impact of any potential future...
Due to better healthcare and a safer living environment, the average life expectancy in the developed world has been increasing. For life insurance companies this uncertainty creates ‘longevi...
A Transformation project can help treasury to cement its position as an important strategic partner to the business, say Arn knol and Mark van Ommen
Historically low interest rates mean that parking surplus cash in bank accounts is no longer an attractive proposition for companies. Treasurers are looking at alternatives to invest cash - and pot...
Virtual currencies have received a lot of media coverage recently but they have been around for decades – think of credit card points or Linden Dollars. But bitcoin has become the best known ...
On a day to day basis I regularly hear “I have to pop to Risk to find out what they think about this”, or “What does Compliance say?” and “Does this fit in with our ri...
Compared with only a few years ago, today’s corporate treasurers are exposed to a much greater variety of counterparty risks within both their supply chains and financial institutions. To cre...
Is your organization already reaping the benefits of a supply chain program? Are you interested in the way SCF can contribute to financing companies?
Historically low interest rates mean that parking surplus cash balances in bank accounts is no longer an attractive proposition for companies. This is pushing treasurers to be more creative with their...
Treasury transformation refers to the definition and implementation of the future state of a treasury department. This includes redisigning the treasury organization & strategy, the banking ...
Corporate treasurers often look to SWIFT to standardise cross-border messaging, to facilitate payments and other financial transactions, and to avoid being bound to one bank’s proprietary sys...
The new economic reality of retrenchment and spending cuts have forced governments to look more critically at the financial instruments used to realize policy objectives.
There is a clear trend of corporate treasuries undertaking major treasury transformation projects with a focus on increasing efficiency, enhancing visibility and reducing costs. The issue is exa...
To cook a special meal, you need the right ingredients in the right quantities – without a recipe, the successful dinner you had in mind often doesn’t turn out quite as planned.
Although the take-up so far can only be described as 'sluggish' at best, many leading corporates and other paying institutions have by now had the chance to gain experience of the Single ...
Commodities price fluctuations have been seen as separate from regular market price exposures. With increasingly volatile commodity markets, however, and the availa...
In addition to its broad financial consultancy services, Zanders also offers mediation for interim management. This includes temporary support and capacity assignments, from a five-day test job t...
Peter van Rood is well known in the world of treasury. A world that, in his view, encompasses much more than finance alone. Akzo’s corporate director of treasury is currently writing about hi...
The details are still being hammered out on regulatory reforms but it is clear that the consequences for corporate treasuries will be substantial. However, regulatory changes provide a unique oppor...
In times of rising uncertainty in financial markets and increased interdependency between firms, supply chain finance has been helping corporate treasurers to unlock value bound to working capital....
The turbulent past of the Franc Zone’s members and the economic differences between them have not succeeded in breaking up the Franc Zone, a group of 14 central and west African countries usi...
Frank Hand has been working in the financial world for more than 20 years. This risk specialist has been working for APG on behalf of Zanders Interim Services since October 2009 and has already worked...
Most banks have significant amounts of non-maturing products on their balance sheets, such as current accounts and savings deposits. The contractual maturity is very small, so that the client could...
As a response to the financial turmoil in 2008 and the subsequent economic downturn we have seen a strong increase in corporate focus for the cash that is ‘caught up’ in the financial s...
In the year ahead, the key developments in strategic cash and treasury management will be influenced by four ongoing global trends: standardization, centralization, virtualization and bank independ...
Multinational companies are increasingly faced with regulatory requirements from tax authorities worldwide regarding the pricing of inter-company loans. This article looks at the importance of a st...
One thing to come out of the economic crisis is a renewed focus on treasury. Treasury can help save costs and – even more importantly – make risks transparent and controllable.
Since Zanders began to collaborate with gtnews on providing expertise and content for treasury training courses, both organizations have been able to expand the reach of their educational programs ...
With a shift in risk awareness and a trend for corporates to diversify their banking partners, Zanders has devised a model to objectively review banking relationships from a corporate perspective. ...
We are delighted to inform you our client AkzoNobel has won prestigious awards for its Treasury Transformation Project.
Our congratulations go to the team of AkzoNobel, who won the “Tr...
Reformed sets of accounting standards for financial instruments are being proposed by the IASB and the US-based FASB – but are they missing a chance to simplify and converge international acc...
A partnership based on mutual respect and independence Zanders and IT2 Zanders has worked closely with IT2 since 2006 on various client implementation projects.
They are partners and yet ...
The recent financial crisis highlighted the importance of a robust liquidity and funding risk framework. International organizations such as the Basel Committee on Banking Supervision and the Insti...
The success of a new treasury system stands or falls on its implementation. And the success of the implementation stands or falls on good project management.
But what exactly is good proj...
The Dutch State Treasury Agency (DSTA) fulfills a special role: it manages the state’s debt and meets the state’s borrowing requirement. But what exactly happens within the walls of thi...
So your treasurer goes on maternity leave or your risk manager quit, while his or her successor can’t start for another three months?
In the past you may have been forgiven for pani...
In future, housing corporations will no longer have the opportunity to develop corporate real estate, which means they will be forced to cooperate with developers and investors. It remains to be se...
We’ve all read about climate change, but have you considered what could happen to your company’s bottom line in the event of extreme weather conditions and temperatures?
If yo...
Cash visibility and working capital management are a priority at a time when credit is no longer readily available – smart choices in both areas are necessary to weather the financial crisis....
Housing associations play a leading role in urban renewal programs.
This is not just because they own properties in districts in need of urban renewal, but also because the current market s...
It’s finally happened. After prolonged lobbying by healthcare institutions and banks, the Dutch Healthcare Authority (NZa) will amend its policy on standards for long-term interest rates.
...
Credit is the backbone of the corporate’s relationship with its banks, if not in the short term, almost always over the long term.
How much grip does your company currently have on the value and risks of its real estate? The industry-specific regulations and circumstances are changing so rapidly that it might be time to bru...
The Dutch Association of Corporate Treasurers (DACT) is the country’s national association for treasury professionals.
Last year the DACT took another step towards serving even more m...
The Dutch healthcare sector is in flux. The newspapers report on new developments almost on a daily basis.
In the previous issue of Zanders Magazine we argued that the credit crisis came at...
As an IT service provider operating across the Netherlands, SG|automatisering (SG) has been working for nearly 30 years for property managers, local authorities and healthcare institutions.
...
The WACC is a calculation of the ‘after-tax’ cost of capital where the tax treatment for each capital component is different. In most countries, the cost of debt is tax deductible whi...
The seventh article in this series on the WACC discusses how the company’s valuation gap might be used as a potential source of shareholder value creation. It explains why current market pric...
From the previous articles in this series, it can be concluded that estimating the WACC is already a diff icult exercise in a developed market. Doing the same exercise in an emerging market environ...
Part five of the WACC Guide examines the extent to which input, assumptions and models used for project app roval can create a biased opinion of the shareholder value.
Treasury, as the cu...
This part looks at how risk management is an instrument that can be used to lower the WACC and create shareholder value.
Switzerland’s Swiss Re is the world’s second largest provider of reinsurance and insurance-related risk products. Traditionally the company insures events that can lead to huge losses, such as nat...
We asked Achmea's Marcel Pels how insurance companies are coping with today's fast-moving developments in payment traffic. As Manager Back-office Treasury & Cash Management at Achmea, he deals with ca...
The government is looking for ways of working more efficiently, more cost-effectively and with more transparency. That also applies to the Netherlands State Treasury Agency (Agentschap van de Gener...
DFM is a finance and insurance company that specializes in the automotive industry. The company provides financial services for this sector, up to and including payment transactions.
The ...
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