CASH MANAGEMENT SERVICES

CHALLENGES WE CAN HELP Do you need, To cut the overall cost of managing your Cash To increase the productivity of your Cash & ATM operations To be in control all the times WE CAN HELP

ABOUT US FHK is the first ever Professional Cash Management company in Pakistan to help commercial banks manage the ATM & CIT Vendors effectively, conduct audits to ensure they adopt & follow the industry’s best global practices. Our solutions are based upon research, extensive knowledge of the Cash Logistics and Cash Management industry. We invested an inordinate amount of time, effort and energy in understanding the business of cash. We have in depth knowledge about each and every process that plays a role in the cash cycle, especially the processes around Cash Processing Centres, Cash in Transit & ATM Channel Management operations. Be it outsourced or managed in house. This knowledge enables us to advise and support the delivery of services & processes that actually work in practice.

CASH LOGISTICS INDUSTRY Cash Management Structure CIT & ATM Vendors Pain Areas No Multibank Cash Centers Banks rely on their respective Cash Centers Cash Centers lack automation Layouts are week and facilities not secured Labor Intensive operations. Cash handling processes need improvement Weak audit mechanism Only basic services available Service standards offered by vendors way below International Industry Standards No End to End (E2E) service offerings available Inadequately trained staff handling the most sensitive commodity -- CASH Reactive approach Lack of ownership if a process has been outsourced Manual Cash Centers Manual processing & fitness sorting Lack of Third Party Reconciliation Services Lack of Risk Assessments & Audits Process Improvement and implementation of best practices Low uptime on ATMs Availability of Managed services High traffic in the branches

CUSTOMER EXPERIENCE If you feel, Your Cash Management Processes need an overhaul You need to revamp your Cash Centers including automation Build new & state of the art Cash Centers Finding it difficult or don’t have time to manage CIT vendors You need to get the security of the branches, Cash Centers, ATMs reviewed by security experts You need expert consultants to carry out risk & security audits and surveys of the ATMs and Cash Centers

SERVICE OFFERINGS Review of Bank’s Cash & ATM Management Processes and Gap Analysis Provision of applications/tools to automate the Cash Centers effectively Revamp the existing Cash Centers in order to make them cost effective and efficient Review & Negotiate the contracts with CIT and ATM Vendors on behalf of banks Act as External Auditors for banks and their CIT & ATM Vendors to ensure banks comply with the regulations Provision of Recon Services for ATM whether managed in house or out sourced Security Review of Branches, Cash Centers, CCTV systems, ATMs - in house or off site State of the art solutions selection, implementation and management BOT model for large cash centers

FHK Trading and Consulting www.FHKtrading.com info@FHKtrading.com