This is the general edition, published for everyone. Figures specific to your accounts — balances, exposure and utilisation — are produced inside the treasury terminal against your own data.
Take this away
Everything below is the report. Save it as a PDF to circulate internally, or work through it on the page — the two are the same document.
Treasury & Liquidity Report
Saves the full report, without the site navigation, using your browser’s print-to-PDF.
Want your own numbers?
The terminal produces the same report against your balances, on demand or on a schedule to named recipients.
Settlement cut-offs
A payment instructed after the cut-off is processed on the next business day. Cut-offs are stated in your account’s local business hours and are the single most common cause of a payment "being late" when it is in fact on time.
| Rail | Instruct by | Value date | Notes |
|---|---|---|---|
| Internal transfer | Any time | Immediate | Between accounts held with us, including across entities. |
| Local low-value | Mid-afternoon | Same business day | Batched; the last batch of the day is the cut-off. |
| Local high-value | Early afternoon | Same business day | Sent individually, confirmed on settlement. |
| International wire | Late morning | 1 to 3 business days | Intermediary banks may add a day and their own charge. |
| Currency conversion | Market hours | Immediate | Rate and margin shown before you commit. |
| Scheduled payables run | Evening before | On the run date | A reminder is sent before each run closes. |
Indicative. Exact times per currency and rail are published in the terminal and can change on market holidays.
Liquidity tools
- Cash concentration
- Balances swept from participating accounts to a header account on agreed rules, so surplus in one entity offsets need in another instead of sitting idle.
- Target balancing
- Each account is topped up to, or drained down to, a target you set. Useful where an entity must keep a working float.
- Notional pooling
- Positions are aggregated for interest purposes without physically moving money. Availability depends on the structure of your group.
- Intercompany funding
- Structured transfers between entities with the reference and documentation attached at the point of movement, so the audit trail is built rather than reconstructed.
- Operating headroom
- Agreed facility against the group rather than negotiated per entity, reviewed on a set cycle.
Sweeps have consequences
Concentration moves real money between real legal entities. Agree the tax, accounting and intercompany treatment with your advisers before switching a rule on, not after the first sweep runs.
Exposure and risk reporting
| Report | What it answers | Typical cadence |
|---|---|---|
| Consolidated position | What does the group hold right now, by entity and currency? | Intraday |
| Cash flow forecast | What lands and leaves over the next horizon, and where does it go tight? | Daily |
| Currency exposure | How much sits in each currency, and what moves if rates move? | Daily |
| Counterparty concentration | How much of the position depends on any single counterparty? | Weekly |
| Facility utilisation | How much agreed headroom is drawn, and against which limit? | Daily |
| Audit pack | Who raised, approved and released each payment, and from where? | Monthly or on demand |
Each report can be scheduled to named recipients, so the people who need it stop asking for it.
Controls assumed by this report
- 1Individual credentials for every user, with rights scoped to their role.
- 2Separation between raising, approving and releasing a payment above your chosen threshold.
- 3Approval required when a beneficiary’s details change, not only when a payment is large.
- 4Dual control on changes to limits and user rights.
- 5A scheduled review of limits, sweep rules and user list at least annually.
The report is only as good as the controls
Consolidated reporting shows you the position. It does not stop a payment leaving. The control list above is what does.
Working from this report
Documents you may also need
The Treasury Terminal
The secure workspace where your liquidity, exposure and payment flows actually live — what it shows, who can use it, and how to get in.
Business CheckingGlobal Entity
Institutional infrastructure for groups: multi-currency settlement, cross-entity visibility, structured limits and a dedicated CFO contact.
MortgagesToday's Mortgage Rates
Indicative rates across our fixed, variable and specialist mortgage ranges, and the factors that decide which one you are offered.
This document was last updated on 1 August 2026. We publish the current version here at all times; superseded versions are available on request.
If anything on this page is unclear, write to us and we will explain it.