Financial Guide for SMEs - SME Corporation Malaysia

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Financial Guide for SMEsChapter 8Transactional Banking to SuitBusiness Needs102chapter 7-13 p79-181 Eng.indd 1028/15/11 5:02:57 PM
Financial Guide for SMEsTransactional Banking to Suit Business NeedsTransactional banking is the everyday bankingrequirements that your business needs tooperate effectively. Primarily, this will includeboth deposit accounts and payment of servicesprovided by your bank or other financialinstitutions (e.g. credit union, building society).All businesses need to have some transactionalbanking services. There are essentially twotypes of transaction banking groups:• Transaction Banking• Merchant FacilitiesTransactionalbanking forms part ofthe overall financingof your business. Theeveryday bankingrequirements shouldbe consideredcarefully to ensurethat the paymentsin your business areefficient and effectiveTransactional Banking ProductsWhen deciding what type of transactionbanking products your business will need, it isimportant to look at the type of business youare offering to your customers, the requirementsfrom your suppliers and how you want tomanage your cash flow. Although manybusinesses believe that paying by chequeoffers a few extra days before the funds arewithdrawn from the bank account, in reality,HINTChoosing the mostappropriate transactionalbanking products will assistin managing cash flow andimproving profitabilitypaying by cheque provides a level of uncertainty because you cannot be surewhen the cheque will be presented.With many options available to business today, it is wise to ask your bankaccount manager to assist in choosing the right products that will help managecash fl ow and reduce the need for time spent in managing all your bankingrequirements.The list below provides the most common transaction banking productscurrently available:• Electronic Desktop / Internet Banking;• Credits to accounts – electronically, manually or by direct credit;103chapter 7-13 p79-181 Eng.indd 1038/15/11 5:02:58 PM
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FinancialGuide for SMEs
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Financial Guide for SMEsAbout the G
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Financial Guide for SMEsChapter6 :
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Financial Guide for SMEsIntroductio
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Financial Guide for SMEsCreditorsCu
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Section I : Business Finance Basics
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Financial Guide for SMEsUnderstandi
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Financial Guide for SMEsCase Study
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Financial Guide for SMEsTowards the
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Financial Guide for SMEsBalance She
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Financial Guide for SMEsHere is an
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Financial Guide for SMEsAssessing t
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Financial Guide for SMEsSolvency Ra
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Financial Guide for SMEsManagement
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Financial Guide for SMEs29Chapter 2
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BudgetingBudgeting is the tool that
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Financial Guide for SMEsAn annual b
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Financial Guide for SMEsWe can see
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Financial Guide for SMEsSection II
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Financial Guide for SMEsMaintaining
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Financial Guide for SMEsMark-upMark
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Financial Guide for SMEsDiscounting
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Financial Guide for SMEsExpense Man
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Section V : Better Business Financi
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Financial Guide for SMEsProcedureAc
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Financial Guide for SMEsBank Reconc
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ChapterSix-Cash and ProfitCashYouro
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Financial Guide for SMEsACKNOWLEDGE
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Financial Guide for SMEs - SME Corporation Malaysia

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