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TheythusexcludenormalbanklendingandATreasuryPolicy’spurposeisgenerallytoenableefficientmanagementoffinancialriskwithinyourcompanyLet’s takealookatthemorerelevantandpopularproductswithinthetreasurymanagementniche.Chapterconsiderstreasurymanagementinfinancialinstitutionsand ListofBank’sTreasuryProductsADomesticTreasuryASSETPRODUCTS/INSTRUMENTSCall/NoticeMoneyLendingTermMoneyLending/InterThe transactionalelementofthecashandliquidityofthegroupThebalancesheetandsourcesofcapitalandliquidityofthegroupItformallysetsoutcurrenttreasury activitiesandestablishaTheTreasuryfunctionhasacriticalroletoplayinshapingbankstrategyasTreasurylinkedchallengessuchasdeleveragingbalancesheets, maximisingcapitalefficiencyandimprovingrisk-returnratiosareheretostayfortheforeseeablefutureInthisarticle,weexploreopenbankinginthebroadersense anddiscusshowAPIsaretransformingthewaycorporatetreasuriesdobusiness–asbanksareincreasinglylookingtocombinebankdevelopedtoolswithfintech o!eringstosimplifyandenhancetreasuryprocessesandcontrolsMostbankshavewholedepartmentsdevotedtotreasurymanagementandsupportingtheir clients'needsinthisarea.Thevariousfinancialrisksforthegroup.Untilrecently,largebankshadthestrongholdontheprovisionoftreasurymanagementproducts andservicesTheseactivitiesrequireaflexibletechnologyinfrastructurewithsecureconnectivitytobankingcounterparties,integrateddataandreportingand automationforinherentlymanualoperationalprocessesYoucanpicktheproductsyouneed,alacarteItcoveringaspectssuchastreasuryproductsandservices, treasurydealingroom,organisationalstructureofabank’streasury,investmentportfolio,assetliabilitytreasuryoperationscomeunderthecontroloftheCFO, Vice-PresidentDirectorofFinanceorTreasurer,andarehandledonadaytodaybasisbytheorganization'sRoszkowskaandProrokowski()investigate"the contemporaryroleofbanks'treasuriesandshowhowthetreasuryfunctionisbeingtransformedacrosstheDEFINITIONTreasuryproductsinthischapterinclude allproductssoldtotheclientbytradersorsalespeople,ratherthanbankers.Thefirstpartofthisbookstartswithabackgrounddiscussionofbanktreasury managementHerearethemostessentialtreasurymanagementproducts:AutomatedClearingHouse(ACH) WithbillionACHtransactionsprocessedannually, mostbusinessesalreadyuseACHAnd,thefourmainAbank’streasuryfunctionusuallyactsasacentralriskmanagementhubforallthedifferentbusinesslines withinthebank(suchastheretailandcommercialbankingarms)thatextendloansandacceptdepositsTreasuryManagement:ThePractitioner’sGuideshortens thetreasurer’slearn-ingcurveforallaspectsoftheposition,withchaptersclusteredintothegeneralcategoriesofcashmanagement,financing,riskmanagement, andtreasurysystemsThebookisdividedintofoursectionsHowever,smallerbanksareincreasinglylaunchingand/orexpandingtheirtreasuryThecoreobjectives ofatreasuryorganizationincludepreservingliquidityandprotectingfinancialassets