Cash Management is a function within Transaction & Employee Banking, which offers transaction banking products to the corporates. HBL provides Payments, Receivables and Liquidity Management solutions along with Balance & Transaction Reporting services. Our solutions are backed by a network of 1,600+ branches, the largest in the country and 40,000+ Konnect Agent Network locations augmented by our team’s exceptional after-sales service.
HBL continuously strive to innovate and bring to you an enhanced and seamless transaction banking experience, increased visibility into the transaction life cycle and advanced tools for cash flow optimization.
HBL also offers HBL Pay – Business Banking, a digital banking solution for corporate treasuries. It offers:
HBL Pay – Business Banking comes with an exciting set of features, including:
Our Payments solution is designed to cater the increasing number of transactions and complex payment types, and can be accessed 24/7 and from anywhere in the world. Payments can be originated through various channels, and through a wide array of methods including free-form entry, templates, standing instructions, quick entry and file upload.
The platform allows for customizable authorization matrix as per your board resolution, real-time and future-dated payments, digital signature printing, straight-through processing, encrypted file upload, configurable workflows, recurring transactions and cloning, capturing of additional remittance information for timely settlement and convenient reconciliation of transactions, and higher visibility into the end-to-end payment process with transaction query and online tracking capability.
Remote business banking is now made possible with our Corporate Mobile App. Authorize transactions anytime and from anywhere. Our mobile app offers:
Our Receivables Management solution is a comprehensive, multi-channel products suite, designed to meet your day-to-day operations and act as a convergence point for all your receivables data. We offer receivable services for both digital and physical modes of collections as well as capital market products.
Capital Markets Receivables: Corporate actions related receivables are specialized collections and payments of IPO and Book Building, Right Shares, TFC, Sukuk, Bonds, etc. Both physical (branches) and electronic channels (mobile and internet banking) are activated, where applicable.
Liquidity Management system is a full-fledged module which helps in establishing a structure that facilitates having liquidity as and when required, and mobilizing it to where it is needed. The scope as well as level of automation of liquidity management structures varies based on your company’s business profile, geographic spread, as well as its banking relationships.
You can sweep balances in participating accounts to a concentration account (or cash pool). Surplus funds are physically moved into the concentration account and the corporates can cover debit balances using concentration account in order to minimize overdraft interest.
Multiple agreement types allow sequential and optimal movement of funds between one or more pairs of accounts. Sweeping of balance to optimize liquidity can range from simple to sophisticated forms with simple overnight sweeps with additional sweep back to more complex intra-day sweeps triggered by time or credit events.
What comes with the Liquidity Management System?
Manage your operations and risk effectively and efficiently by having all the necessary information provided to you in a manner, best suited to your needs and in a format, most convenient to you.
Online Real-Time Balance View: Online and real-time balance view option is available on both web and mobile HBL Pay – Business Banking applications.
E-Statements: View the E-Statements online, download or receive E-Statements on registered email address. Multiple formats to choose from: XLS, CSV, PDF, SWIFT formats and ISO 20022 compliant CAMT formats.
Customized Alerts and Reports: Real-time notifications at multiple stages of transaction with customizable fields as per your needs and via multiple delivery channels available such as email, on-screen and SMS.
Global View: Online view of your accounts with HBL anywhere in the world.
Online View of Third Party Bank Statements: Comprehensive prior day view of account activities for your multi-bank relationships, right on your screen. Information is securely exchanged via industry-standard SWIFT files and is made available for you on HBL Pay – Business Banking platform.
Our various digital products and platforms are fully integrated with all local switches, payment aggregators and Payment Service Providers (PSPs) so you can reap the benefits of instant payments
With us, you get instant and seamless API integration with RAAST along with other local switches like 1-Link and PRISM. The benefits include:
With our digital platforms bringing you a host of digital products and services, and combining them with various conventional and wallet accounts, we provide full support to digitize your end-to-end financial value chain.
Our customized offerings offer digital products as part of the value ecosystem, benefitting you and your partner entities involved, both upstream and downstream.
Our core multi-channel solutions coupled with value added services like customized daily MIS, transaction alerts, API connectivity, multi-format account statements and self-service administration are all structured around your specific requirements to help you in minimizing operational risk, reducing cost, increasing security and efficiency.
|Electronic payments||Phisical payments||STP RTGS|
|Cross-Currency Capability||Invoice Presentment & Payments||Instrument Designing & Printing|
|SWIFT||Corporate Utilities||Taxes & Duties|
|Cash||Physical Instruments||Omni-Channel Liquidations|
|Direct Debit||SIDA||Corporate Actions Receivables|
|Mandate & Dealer Repository||PDCWarehousing & Discounting||Cash at Konnect Locations|
|E Collections (P2B)||E Collections (B2B)||Internet Payment Gateway|
|Liquidity & Cash Positions|
|Concentration Sweeps||Distribution Sweeps||On-Demand Sweeps|
|Limit Based Transfers||Movement Conditions||Movement Restrictions|
|Global Cash Positions||Online Balance View||E Statements|
|HBL Pay - Business Banking Value Ecosystem Services|
|Single Sign On Platform||Corporate Mobile App||Customizable Widgets|
|Self-Service Administration||2 Factor Authentication||Data Enrichment|
|Alerts & Notification||Automated MIS||Emulation Based Services|
|Data Masking||On-Screen Messaging Service||Dealer & Beneficiary Repository|
|SWIFT & ISO 20022||SFTP Based H2H Connectivity||API Connectivity|
Transaction & Employee Banking
Corporate, Commercial & Investment Banking Group
HBL Tower, Clifton Road, Teen Talwar, Karachi – 75500, Pakistan
HBL Tower, Jinnah Avenue, Blue Area, Islamabad
102/103 Mall Road, Upper Mall Scheme, Lahore
For more information, contact your branch/RM or email us at: firstname.lastname@example.org,
For feedback and queries, drop us an email at: email@example.com