Corporate Treasury Exchange (CTX)

Industry Overview

The world’s treasurers continue to place the greatest importance on active cash management. MNCs, large local corporations, regional conglomerates, mid-caps and SMEs all require automated, contextualised liquidity management due to the constantly changing needs in a globalised environment. According to the Deloitte Global Treasury Survey 2022, 64% of respondents identified visibility into global operations, cash, and financial risk exposure as a major challenge. They also identified improved cash forecasting capabilities (41%) and enhanced liquidity management (56%) as top priorities for the following three years. Liquidity management is no longer a reactive discipline but today – and in the future – an increasingly proactive and essential exercise with the goal of optimising returns and making better-informed choices in real time.

For multi-country conglomerates with accounts spanning various geographies, currencies, and entities, optimizing liquidity has become critical. We understand that every dollar of corporate liquidity represents a dollar of bank liability. Our unique vision is to empower our clients’ clients to optimize their returns on cash capital while simultaneously safeguarding the bank and aiding it in delivering higher returns on equity.

Challenges and Opportunity

The last few years saw frequent fluctuations in the global economy, ultra-low interest rates and geopolitical uncertainties. This made businesses more risk-averse, resulting in surplus unutilised liquidity lying idle in demand deposits at the best-rated financial institutions. Today, interest rates have risen rapidly and there are many better opportunities to deploy this excess cash. At the same time, AI-driven treasury management is enabling data-backed best decisions

The Intellect Promise

Intellect’s position is based on the depth and breadth of its products’ functionalities, established on our knowledge of corporate treasury and liquidity management dynamics, our dominance in the field, and our client’s endorsements and references. Intellect’s overall strength can be appreciated when we consider that 3 of the 4 tier-one GSIBs and the world’s largest custodian bank have all selected Intellect to deliver their corporate treasury, liquidity management and cash pooling capabilities.

Intellect CTX offers an end-to-end corporate cash management suite with its composable services viz.

Liquidity Management Services

• Cash concentration (CC)
• intercompany loans (ICL)
• notional pooling (NP)
• investment sweeps (iSweeps)
• transactions limit management (TLM)
• digital bank user information (MIS)

Corporate Treasury Services

• Balance and transaction reporting (BTR)
• cash flow forecaster (CFF)
• global deposit manager (GDM)
• operational account manager (OPAC)
• contextual banking experience (CBX),
• Investment portal (iPORT)

Sub-accounting services

• Virtual account management (VAM)
• escrow services (ESCROW)
• banking as a service (BaaS)