CNS Treasury automates the management of loans and deposits, streamlining processes like interest calculation, rate resets, and payment scheduling. This ensures real-time visibility, reduces errors, and optimises liquidity and funding strategies.
Loans and Deposits
CNS Treasury software streamlines and automates the management of loans and deposits, equipping businesses with powerful tools to maintain visibility, control, and flexibility over their financial positions, including rate reset functionality.
Loans
In CNS Treasury, a loan typically represents a drawdown against a facility with a defined maturity date, at which point it can either be reset for another term, settled, or adjusted for changing interest rates through rate resets. The system automates critical processes like interest calculation, payment scheduling, loan rollovers, and rate resets, ensuring accuracy and reducing the need for manual entry. Treasury teams can manage loans across their entire lifecycle—from initiation to maturity—including the ability to handle interest and principal payments and respond to market interest rate shifts. This automation enables businesses to minimise borrowing costs, maintain liquidity, and plan effectively for upcoming cash needs.
Deposits
Deposits represent cash or other assets that a company holds, either to generate interest income or to meet future operational requirements. With CNS Treasury, businesses can track deposit balances, interest accruals, maturity schedules, and rate resets in real time, enabling strategic management of cash positions. Rate reset functionality allows for the adjustment of deposit interest rates as market conditions change, maximising interest income while aligning with liquidity requirements. This feature allows treasury teams to manage deposits alongside loans, optimising both liquidity and income by balancing cash inflows and outflows.
Key Features and Benefits
CNS Treasury provides real-time visibility into loan and deposit positions, accrued interest, rate reset schedules, and maturity dates, supporting more strategic decision-making. Automated processes, including loan resets, deposit renewals, rate adjustments, and interest calculations, minimise errors and reduce manual work. Reporting features deliver insights into debt, net positions, and capital costs, helping treasury teams evaluate and refine their financial strategy. By managing loans, deposits, and associated interest rate derivatives on a single platform, businesses can optimise their liquidity and funding strategies.
Lifecycle Management
CNS Treasury enables seamless tracking of loans from initiation through maturity. When a loan reaches maturity, the system can reset it for a new term or settle it, including calculating interest and processing rate resets as required. This automation reduces manual effort and ensures timely, accurate payments aligned with current interest rates.
Debt and Liquidity Reporting
CNS Treasury provides comprehensive reports that allow businesses to assess total debt, net positions (netting loans and deposits), and financial exposure. Real-time insights into debt levels and rate resets help businesses make informed borrowing and repayment decisions.
Interest Calculation, Rate Resets, and Forecasting
Built-in interest calculation, rate reset, and forecasting features provide real-time insights into accrued interest and projected costs. Treasury teams can prepare for payment obligations, make proactive funding decisions, and optimise income based on current and forecasted rates.
Cost of Capital Management
By integrating interest rate swaps with loans and deposits, the software offers detailed insights into the cost of capital. It enables businesses to optimise their funding strategy by assessing the combined impact of loan costs, rate resets, and interest rate derivatives, ensuring efficient capital utilisation.
Accounting and Compliance
CNS Treasury automatically generates accounting journals for loans and deposits, including rate reset adjustments, interest calculations, and settlement details, ensuring accurate financial reporting and regulatory compliance.
Reporting
CNS Treasury provides detailed reports tracking total debt, net loan and deposit positions, rate reset impacts, and financial exposure. Automated journal entries ensure compliance with accounting standards, simplifying audits and regulatory reporting and giving treasury teams control over their financial commitments.
Payment and Receipt Schedules
The system manages all payment and receipt schedules, ensuring timely principal and interest payments, and rate reset updates for both loans and deposits. This capability supports precise cash flow planning and reduces the risk of missed payments.
CNS Treasury’s Loans and Deposits management tools, with built-in rate reset functionality, empower businesses to make informed financial decisions, optimise liquidity, and maintain control over their financial obligations, transforming complex processes into efficient, automated workflows.
For assistance or to book a meeting, contact our support team at support@cnstreasury.com.
Thanks,
The CNS Team