notional-pooling

Notional Pooling

Optimise group cash balances without moving funds

Notional Pooling

Optimise group cash balances without moving funds

At a Glance
Notional Pooling optimises your group cash balances across multiple accounts without physical movement of funds.

Offset balances

Credit and debit balances across a group of accounts in the same location are notionally aggregated to derive a pool net balance used as the basis for net interest computation

Optimise balances

Reduce borrowing costs and earn higher interest on pooled balances

Operational benefits

Benefit derived from pooling can be apportioned systematically across the participants in the pool as per pre-agreed criteria

Features & Benefits

Preserve the individual autonomy of sub-accounts with control and governance at the Group level or Treasury entity on the overall liquidity position

Eliminate the hassle of manual reporting, tracking and reconciling your various accounts

Access real-time liquidity position, alerts and reports via DBS IDEAL, our online banking platform

How to Apply

Simply contact your Relationship Manager or DBS BusinessCare by calling 1500380 (Indonesia) or +6221 8082 6902 (Overseas). We are available Monday to Friday (except public holidays), between 08:00 - 17.00.

FAQs
Can DBS Notional Pooling support structures in different currencies?

Yes, we can support structures in different currencies. However, each structure can only consist of accounts of the same currency.
Can it be performed for accounts of subsidiary companies?

Yes, notional pooling can be performed among accounts of subsidiary companies.
Where will the interest benefit be allocated to?

DBS provides flexibility of interest allocation. Interest derived from pooling can be apportioned to the pool master account or the sub accounts depending on the interest allocation method selected.
What’s the difference between Notional Pooling and Cash Concentration?

Cash Sweeping involves the physical movement of funds into a master account. While in Notional Pooling, there is no physical movement of funds as account balances are notionally set-off. However, Cash Sweeping creates inter-company loans, because there is a physical movement of funds between accounts belonging to different companies.
Can we do this on a regional basis?

Yes, we have regional liquidity management capabilities such as cross-border interest optimisation. However, the availability of liquidity management capabilities is subject to regulations.
Download PDF
Domestic Single Currency Notional Pooling Factsheet

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