Liquidity

Designed around your unique needs, our products and solutions can propel your organisation further.

Maximise surplus cash and optimise interest earnings with a full range of global liquidity solutions.

At HSBC our Global Liquidity Solutions (GLS) help businesses manage their surplus cash across more than 50 markets around the world.

We make sure all of our solutions are tailor made to suit individual business needs, locally, regionally and around the world.

For many years now HSBC has been offering traditional solutions like Cash Concentration and Interest Enhancement solutions to its customers.

Cash Concentration also referred to as "sweeping" or "zero balancing" in the marketplace, is a service that executes a physical transfer of funds between two customer’s accounts, i.e. a sweep. This facilitates consolidation or centralization of balances for investment, deployment or loan repayment for organizations.

Interest Enhancement will improve credit interest rates with preferential pricing based on aggregated balances across your HSBC accounts in over 50 markets. On a single or multi-currency basis.

HSBC continues to invest in developing innovative liquidity management solution for its Corporate and Institution clients, few of such latest innovative solutions are highlighted below

At HSBC, we are committed to supporting customers in building world-class real-time treasury organizations by developing real-time liquidity management solutions

Cross Currency Cash Concentration

Cross-currency cash concentration automatically sweeps funds between accounts denominated in different currencies, which are converted at Prevailing spot FX rates. You can select a single currency for funds to be converted and consolidated to across markets, currencies and entities

The automated Cross Currency Cash Concentration solution enables you to: -

• Increased efficiency
• Minimise idle cash and FX exposures
• Reduce costs on FX fees or external borrowing
• Improve decision-making

7-Day Cash Concentration

7-day Cash Concentration solution from HSBC enables you to seamlessly manage inter/intra-group in-country liquidity all 7 days of the week by consolidating positive and negative balance positions across multiple bank accounts into a single consolidation account with HSBC, even on weekends and country holidays.

The automated and secured 7-day Cash Concentration solution enables you to:

• Self-fund overdrawn positions
• Reduce the cost of external borrowing
• Eliminate any balances lying idle across multiple bank accounts
• Consolidate balances centrally for visibility and enhanced control, both on working and non-working days

Optimise your treasury operations with greater control and visibility.

HSBC’s Global liquidity solutions self-service platform empowers you to manage your liquidity structures independently, giving you the flexibility to respond to changing market conditions and business needs in real-time.

Our self-service platform is your one-stop shop for managing your liquidity structures. Accessible via a single sign-on through HSBCnet, it offers a comprehensive suite of tools.

On-demand cash concentration

As businesses expand and the use of 24/7 instant payments gains momentum, it is critical that corporate treasurers can consolidate cash to meet dynamic funding requirements efficiently through automated processes. On-demand cash concentration gives you the flexibility to trigger sweeps via self-service, across existing cash concentration structures, outside of existing schedules, helping you manage unexpected liquidity events in real-time.

• Real-time liquidity optimisation across domestic, regional, global, cross-currency and multi-bank cash concentration structures
• Reduced reliance on intraday or overdraft limits
• Automatic updates to intercompany lending positions with unique sweep references
• Full control with maker-checker workflows and audit trails
• Integrated reporting across sweep dashboards

HSBC has created a Liquidity Management Dashboard, accessible via HSBCnet. This provides a dynamic and graphical view of Liquidity KPIs for Treasurers and is designed to help you manage overall liquidity positions and make effective investment and funding decisions.

HSBC's Cash Flow Forecasting Tool can improve your ability to accurately forecast your global liquidity position. This fully integrated solution forecasts all cash movements that impact your day-to-day cash position from the present day to three years into the future, based on information captured from your organisation's cash pool structures, bank accounts and transaction-level data.