UniCredit Bank offers a wide range of liquidity management and optimisation services. Cash Pooling is a product designed for clients operating within mutually interrelated groups.
The Bank offers:
Local Effective Cash Pooling
efficient use of liquidity of the accounts in Cash Pooling
option of common drawdown of a credit line by all Cash Pooling members
physical concentration of funds on a master account with or without return to individual accounts of the system
money flows which need to be posted really take place between the accounts included in the system in order to determine the consolidated status
option to make an individualised setting of balances, limits, and sharing of funds at individual Cash Pooling levels as required by the client
option to calculate and keep records about the loans within the group along with the information concerning the interest rates applicable to these intra-group loans
Fictitious Cash Pooling
client will have better interest rate resulting out of the consolidated balance of the group
no transactions take place between individual accounts of the system in order to ascertain the consolidated balance
benefits resulting from inclusion of the account into the system are allocated to the master account or directly to individual accounts of the system
client does not have to post loans within the group since there is no real money flow
Cross-border Cash Pooling
implementation may be connected with the implementation of the Real Cash Pooling
automated transfers of balances at the end of each banking day between accounts of the client/s kept in various banks of the UniCredit Group
option to set the transfer details (credit, debit, both credit and debit)
option to set the permitted daily debit balance on the subordinated account and its automated settlement at the end of each banking day from the master account kept in another bank of the UniCredit Group