Cash Pooling

• Optimise your interest income and expense
• Ensure ideal distribution of financial fund for efficient cash-flow management
• Intended for business entities authorised to carry out business activities in the Czech Republic, municipalities, regions and their contributory organisations

KB offers the following Cash Pooling types: a domestic or foreign, real or notional, single or multi-currency.  

Notional Cash Pooling

• This Cash Pooling is mainly focused on maximising interest income and minimising interest expense, while keeping individual accounts financially independent
• It is suitable for companies and institutions with decentralised financial management that require maximum autonomy of connected accounts
• It may be used by independent legal entities as well as group companies with their bank accounts in KB
• No physical transfer of funds in connected accounts, with only their balances netted – there is thus no merging of funds
• Accounts in various currencies can be connected to notional Cash Pooling, thereby creating a multi-currency structure 

Real Cash Pooling

• It is intended for independent legal entities as well as group companies with their bank accounts in KB
• Real transfer of financial funds between the central and connected accounts – all connected accounts are zero-balanced at the end of each business day
• Solution that allows companies or group of companies to fully control their financial funds within the Cash Pooling structure

International Cash Pooling

• Real, cross-border, single-currency Cash Pooling intended for groups of related companies with highly centralised financial management
• Benefit from efficient cash-flow management for multinational corporations
• Accounts connected to international Cash Pooling are automatically zero-balanced and financial funds are centralized within a KB account
• All standard services available for current accounts can be provided for connected accounts
• Technical Interest Rules for Multi-Currency Cash Pooling – this document is intended for product users (Czech version)