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In-House Banking

Treasury Modules designed to complement and elevate your existing Payment Hub infrastructure.

The Cobase In-House Bank module supports five key use cases. It centralizes group liquidity by reallocating surplus cash internally, reducing the need for external financing. It automates the management of intercompany loans and the settlement of intercompany invoices, removing manual effort. The module monitors bank-managed cash pools by reflecting external sweeps in internal accounts. It also enables full internal cash pool management within Cobase, giving full control over group-wide liquidity.

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Level up with

Treasury modules

Cobase offers a suite of solutions that support finance and treasury departments in managing liquidity, mitigating risk, and optimizing internal financial processes. Each module is designed to work seamlessly within the platform, delivering real-time visibility and centralized control.

Reporting
Internal liquidity management

View and manage surplus and deficit positions across all entities. Move funds internally to reduce reliance on external financing and interest costs.

InHouseBanking
Intercompany loans

Create and manage internal term loans or credit lines. Cobase handles drawdowns, repayments, interest calculations (fixed/floating), and postings automatically

cashpooling
Intercompany invoice settlement

Settle internal payables/receivables directly through the platform. Cobase supports both manual entry and bulk uploads, posting all entries automatically

SmartWorkFlow
Invoice netting

Net multiple internal invoices across entities into a single transaction to reduce payment volume, bank fees, and FX risk

Bank
Monitor bank-managed pooling

Settle internal payables/receivables directly through the platform. Cobase supports both manual entry and bulk uploads, posting all entries automatically

AuditTrail
Monitor Cobase-managed pooling

Uses rules to automate internal transfers when thresholds are breached and reflects internal movements.

Key features

Integrated with Payment Module for direct execution of repayments and settlements
Live market data from Refinitiv for accurate floating-rate interest calculations
Attach loan agreements and maintain a complete audit trail
Advanced interest engine with fixed/floating rates and multiple day-count conventions
Automated in-house bank statements to update GL accounts in MT940, CAMT.053, CSV, and other formats
Netting engine to consolidate intercompany invoices and reduce payment volumes
Full security controls with dual authorization and activity logs
Modular and scalable with seamless links to Cash Management, FX, and Forecasting

Frequently asked questions

What does the Cobase In-House Bank module do?

It centralizes intercompany transactions, cash pooling, and internal loans on one platform, reducing manual work and improving control.

Can I use it for both bank-managed and Cobase-managed cash pools?

Yes. It supports monitoring of external bank sweeps and full internal pooling managed directly within Cobase.

Does the module handle intercompany loans?

Yes. You can create and manage term loans or credit lines, track drawdowns, automate interest calculations, and handle repayments.

Is interest calculated automatically?

Yes. The module supports fixed and floating rates, benchmark references like EURIBOR, and multiple day-count conventions.

Can we attach and store loan agreements?

Yes. You can attach loan documentation to each loan record for audit and compliance purposes.

Is the module integrated with payments?

Yes. Settlements and repayments can be executed directly via the integrated Cobase Payment Module.

Can it generate in-house bank statements?

Yes. Intraday and end-of-day statements are generated automatically and can be exported in formats like MT940 and CAMT.053 to update ERP systems.

Does it support invoice netting?

Yes. The module consolidates intercompany invoices into fewer transactions, reducing payment volume and FX risk.

Is there a full audit trail?

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Interested?

Manage all your bank accounts centrally with Cobase

Simplify your cash management and save valuable time. One platform, complete control over all your financial flows.
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