Cash Management Solutions Al Madinah International University HSBC GLOBAL PAYMENTS & CASH MANAGEMENT Cash Management Solutions Al Madinah International University

Delivery Channel Global Online Platform - HSBCnet

3rd party reporting via SWIFT MT940 Global Platform. HSBCnet suggested structure Main HSBCnet Profile 3rd party reporting via SWIFT MT940 AL Madinah International Foundation AL Madinah Resources Existing/Future entities can be added onto profile as associates for increased visibility and scalability Integrated Payments Solution Integrated Receivables Solution Integrated Liquidity Solution

Payments At your fingertips

Payments. Process Flow Prepare Authorize ERP Reconciliation Delivery 1 2 3 Process Generate cheque payment instructions / batch from ERP in pre-defined file format (e.g. iFile) Upload payment file to HSBCnet from end-user local PCs Validate payment summary / details via HSBCnet Approve payment Reconciliation Delivery Funding Arrangement 6 5 4 ERP Download reports from HSBCnet for cheque number and status Upload to ERP for automatic reconciliation Process Payment dispatch via mail / courier / direct credit Immediate execution of payment instruction without hold

Payments. Cheque Outsourcing (COS) Outsource the entire cheque issuance process to HSBC, including issuance, printing, and delivery Cheque delivery options include delivery to client offices, or delivery to beneficiaries Advantages to AL Madinah International University Maximise security by eliminating need to maintain cheque inventory at Client offices Redeploy Client’s finance staff to more value-added tasks Option to upscale for auto reconciliation Used by Rentokil in Malaysia and Singapore Up and running since 2003

Payments. Cheque Outsourcing (COS) – con’t Manual input for ad-hoc payments HSBCnet Cheque Outsourcing engine Mail Courier Draft dispatched Cashiers Order dispatched Payment File Upload from ERP Payment Advice Email Data/reports Reduce manual processing by outsourcing your cheque payment processing Simplify authorisation of cheques – no longer need to manually sign every cheque More security through the PositivePay validation at the point of cheque presentment Simplify reconciliation and management through comprehensive cheque reports issued, presented, stale, stopped, etc. Greater convenience and control through Flexible cheque delivery options to your beneficiaries Warehouse future value dated transactions Online stop payment instruction for cheques

Payments. Payments advising Short Advice payment amount charges detail value date remitter remitting bank HSBC transaction reference other reference Long Advice additional payment details in free text or table formats

Payments. Utilities Direct Debit Automatic Direct debit Service Remove tedious / unproductive payments over counters A Capped limit can be set to avoid “over-billing” MYR2.00 rebate per account for Telekom MYR5.00 rebate per account for Maxis TRANSFER DEBIT TM1 B892781331907 ZAFA-00084 20:33:31 RM260.33- Narrative in Statement Saves Management Time for Repetitive Payments

Payments. Advantages to AL Madinah International University Streamlined payments process Information is directly fed to HSBC from ERP and information is returned for reconciliation Remote authorisation & enhance control of payments. Significant reduction in manual effort pre/post payments. Optimise resources as manual unproductive work is outsourced to HSBC. Payment advices to reduce the frequency of beneficiary enquiry on payment status. Security of process and reduce the risk of fraud Information directly from ERP reduces risk of errors Positive pay encryption to ensure peace of mind in the local environment. Beneficiary advising via e-mail Comprehensive payment activity reporting Audit trails Payment activity reports

Collections Raising to next level

Integrated Receivables Solutions (IRS) HSBCnet Receivables Management System (RMS) A/R Reconciliation Consolidated Reporting Centralised Database Collection Services Paper Receivables / Collection Service Electronic Receivables/ Collection Service Cash/ cheque paid over the bank’s counter Mail-in cheques which are processed by Lockbox Cheques deposited directly via machines Local/ International Wire Transfer ACH Credit Direct Debit In-house Transfer Direct Debit via Credit Card (recurrent payment) Bill Payments (ATM, Internet)

Collections. Wholesale Lockbox (WLBX) - Cheques Wholesale Lockbox System Data & image capture Your Customers Courier Pick-up (BES) RMS Lockbox transaction data and images (T+1) Cheques + invoices/ pay-in slips Physical cheques and invoices Drop-Box/ Bulk Deposit (QSM) Cheques sent to the Clearing House Standard : Basic info: cheque number, amount, invoice number, payor ID… Enhanced : Additional info: invoice issuance and due date, invoice references Premium : Whatever data capture parameters the customer has pre-agreed with the bank

Liquidity Management For your ease of mind

Value Derived… All Accounts Earning profit on your account. Cash Concentration Daily sweeps / reverse sweeps Flexibility – Zero Balance, Threshold and Target Profit calculated on daily rest and paid out on month end Option to maintain earnings on master account or distribute back to sub-accounts Earnings based on total end of day balances via Islamic Money Market Placement Master Account All Accounts Value Derived… Operational Funds Efficiency Decrease Borrowing Cost Reduces manual booking of rates Cost Savings from OD charges (if any)

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