The problem with one current account
Most companies hold several kinds of cash at once: money for this month's payroll and suppliers, reserves for taxes and loan repayments, and funds set aside for dividends or investment. Kept in one current account, all of it is treated as if it were needed tomorrow.
Three layers of corporate cash
Operating cash
Days to 1 month
Covers payroll, suppliers and daily payments. Stays at your bank.
Reserve liquidity
Covers taxes, loan service and seasonal needs. Placed in short-dated government and high-quality corporate bonds, AMD and USD.
Strategic cash
12 ա12 months +
Covers dividends, capital expenditure and sale proceeds. Placed in government and high-quality corporate bonds, AMD and USD, with longer maturities.
How it works
1
Cash-flow review
We look at your inflows, outflows and seasonality with your finance team.
2
Liquidity policy
A short written policy your management or board approves: minimum available cash, permitted instruments, maximum maturity, currency and issuer limits.
3
Implementation
We place funds strictly within the policy.
4
Monthly reporting
Holdings, maturities, income and liquidity available by date, in a format your auditors can use.
5
Quarterly review
The policy is adjusted as your business changes.
Why companies use it
- Your rules, in writing
- A maturity ladder matched to your payments
- One report for the CFO and auditors
- Currency conversion through our FX service
- A dedicated contact who understands corporate finance
Who it is for
Companies with at least AMD 50 million beyond operating needs, holding companies, and foundations and non-profit organizations with reserve funds.
Put your company's cash to work, under your rules.
Leave your details and we will call you back within one business day.