Why employ Banking Experts to review our Banking and Treasury?
  • After payroll, Banking and Finance costs are typically the largest overhead.
  • Interest rate costs and currency costs are not transparent, impeding fully efficient management.
  • Currency exposures are High, Volatile and Costly and can frequently endanger even Loan Covenants.
  • Inappropriate banking arrangements can, as found with one major corporate, to seriously restrict Business operations and expansion.
  • Banking should follow the business, not the other way round!
  • Finalysis has 3 decades of experience delivering benefits including risk reductions and savings to over 500 leading corporates, including multinationals, universities, and public companies.
What areas does the Finalysis review cover?
  • All Bank accounts and Borrowing Structures, including working capital
  • Bank Deposits and related investments.
  • Corporate Risk Policy, across all areas (Borrowings, Liquidity and
  • Existing Cash Management arrangements and Treasury Systems
  • Other Areas as requested.
How is it possible to Measure the Benefits of a Finalysis Review?

By comparing the new net costs, projected under the recommended, and agreed, arrangements against actual, agreed, current costs.

Will this review disturb our banking relationship?

Recommendations are not aggressive and the client is free to decline any recommendations considered sensitive.

Best practice reinforces banking relationships!

What benefits should I expect from this review and do they actually repeat annually?

Benefits include:

Transparency of arrangements and of costs into the future
Operating efficiency
Empowering Bank Relationships
Significantly reduced risk exposures and costs

Best practice is identified and introduced and treasury operations are simplified.

Over many years and across many client types, review benefits average some €20k per each €10m of turnover, repeating annually.

Is this another time-consuming audit?

No. The initial Finalysis 30-minute meeting with the client identifies the scale of available value, so no risk arises of unproductive research or time-wasting reviews.

The review plus report normally takes Finalysis three to four weeks to complete.

Is it safe that Finalysis can access Company data?

The service is completely confidential as it has been for over 30 years. Company executives are all highly qualified professionals committed to confidentiality.

Do we need to change our existing bank relationships?

No. Recommendations are non-aggressive, and implementation is entirely at the client’s discretion. It would be highly unusual for the client to disturb the banking relationship.

Is the review overkill? e.g. we have no borrowings and only one or two bank accounts?

Independently of the client’s banking profile and even in the absence of
borrowings, reviews provide cost and income transparency, with strategic
alternatives offering opportunities for cost and risk reductions as well as
income enhancement.

Where limited use is currently made of the Banking system, the Finalysis
review may well identify opportunities for better use of the Banking system to
the corporate’s advantage!