Cash and Accounts
Optimise your group cash balance and reduce loan costs
Optimise your group cash balance and reduce the need to borrow from the bank 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 Concentration involves the physical movement of funds into a concentration account. There is no physical movement of funds for Notional Pooling, because account balances are notionally set-off. However, Cash Concentration creates inter-company loans, because there's 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 call us at 1800 222 2200, or +65 6222 2200 if you are calling from overseas to apply. Alternatively, please speak with your relationship manager.