- Securing the liquidity of the Bank
The Treasury department is aiming to supervise the bank's liquidity assets in order to cover the bank's short-term commitments in arrears.
Au regard de ce qui précède, la trésorerie gère les fonds et les flux financiers en recherchant chaque fois l’équilibre optimal entre les encaisses mises à la disposition des agences pour servir la clientèle, les fonds détenus chez les correspondants et à la banque centrale, et les fonds placés sous diverses formes.
It sets the limits (operational limits) for the branches' cash holdings, based on their costs, risks and requirements.
- Managing foreign exchange and interest rate risk
The treasury department intervenes directly on the interbank market to lend or borrow liquidities, it also intervenes on the foreign exchange market to open or hedge foreign exchange positions.
It organizes quotes for product segments that require rates (exchange rates, deposit lending rates) based on market trends, and sets limits on the branches' foreign exchange positions. In addition to this, the treasury department ensures compliance with the regulatory provisions relating to the monitoring of the foreign exchange position.
- Optimizing the investment of cash extra
In the event of extra cash, the cash department invests these extra to increase the net interest margin and in the event of a deficit, it uses financing, trying to minimize its cost and volume if necessary.