Cash Reserves Tina Winders Director of Finance and Corporate Services Locality.

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Presentation transcript:

Cash Reserves Tina Winders Director of Finance and Corporate Services Locality

Background to Locality Formed from a merger of DTA and bassac in 2011 DTA – 20 years old, bassac 80 Co-owned office building in London (funded by grants and bank loans) History of collaborative working Turnover around £5m Cash £1m, post merger & Community Organisers now £4m

Legal Considerations Organisations governing documents Charity SORP CC14 Investment of Charitable Funds Charities Act 2011

Other considerations Moral, ethical, social Funder/ donor requirements Acceptable level risk Need to diversify In house skills v professional advisor

Interest rates - low, lower, lowest Credit ratings – poor or moody! Financial Services Compensation Scheme – worth the paper its printed on? Issues for Locality

Governance Issues Who makes the decision? Ultimately who is responsible? Advisers Sub-committees Board appetite for risk is key

Questions you must ask How long can you tie up funds? How secure is your future income? Whose money is it? Aim to maintain capital at current levels or is the income crucial to balance the books?

Types of Investment for SMEs Clearing bank Ethical bank Current account Deposit accounts Pooled deposit funds Interest rate swaps

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