Financial Guide for SMEs - SME Corporation Malaysia

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Financial Guide for SMEsTransactional FeesMost fi nancial institutions do not providetransactional services for free. In someinstances (particularly where your margins arevery small), the fees related to these servicescan substantially impact on the profi tabilityof your business. With so many fi nancialinstitutions providing these services, it wouldbe wise for you to consider the fee structurefrom a number of providers before decidingon the best provider (see the section on howto switch banks).HINTRegular review of yourtransactional bankingservices will guaranteethat you know how muchyou are paying for theseservices, and ensure thatyou are using transactionalservices that best suit yourbusinessIt is common knowledge that most SMEs do not know how much they are paying inbank fees. This can be attributed to the fact that they do not spend time reviewingthe transactional banking arrangements and some banks may not make it easy toclearly establish the total amount of fees being charged.TIPBy allocating all bank fees in a separate account, you would be able to clearlyidentify any increases in fees that could be affecting your profitability106chapter 7-13 p79-181 Eng.indd 1068/15/11 5:02:58 PM
Financial Guide for SMEs107chapter 7-13 p79-181 Eng.indd 1078/15/11 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 SMEsStatement o
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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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Financial Guide for SMEsImproving C
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Financial Guide for SMEsManaging In
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Financial Guide for SMEsChecklist f
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Financial Guide for SMEsUsing Numbe
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Section V : Better Business Financi
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Financial Guide for SMEsFinancial C
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Financial Guide for SMEsProcedureAc
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Financial Guide for SMEsSalesIs the
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Financial Guide for SMEsBank Reconc
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Financial Guide for SMEsEmployeesAr
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Financial Guide for SMEsFinancial G
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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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