Cash & Accounts
Optimise group cash balance and reduce loan costs
Maximise yields on your group cash balance and get lower borrowing cost with DBS Notional Pooling. Cash balances in different accounts are notionally offset to derive the net balance, which is then used to calculate interest. In this way, you earn higher interest and incur lower borrowing costs. There’s no physical movement of funds between participating entities, which means there is no inter-company borrowing.
Why choose DBS Notional Pooling?
Yes, we can support structures in different currencies. However, each structure can only consist of accounts of the same currency.
DBS provides flexibility of interest allocation. Interest derived from pooling can be apportioned to the pool master account or the sub accounts depending on the interest allocation method selected.
Cash Sweeping involves the physical movement of funds into a master account. While in Notional Pooling, there is no physical movement of funds as account balances are notionally set-off. However, Cash Sweeping creates inter-company loans, because there is a physical movement of funds between accounts belonging to different companies.
Yes, we have regional liquidity management capabilities such as cross-border sweep and interest optimisation. However, the availability of liquidity management capabilities is subject to regulations in each country.
How do I apply?
Simply email us at firstname.lastname@example.org or speak with your Relationship Manager.