Monitoring Risiko von Banken

May 15th, 2012

Von Martin Schneider

Allgemeine Banken-Ratings reagieren langsam und spät. Corporate Treasuries überwachen die Bonität ihrer Hausbanken regelmäßig auch auf Grundlage von Marktindikatoren. Vor allem Corporates mit Netto-Liquidität und hohem Eigenkapital stellten immer wieder fest, wie wenig Eigenkapital ihre Banken aufwiesen.

Seit Sommer 2011 führen wir mit unseren Klienten das Thema Banken Kontrahenten Risiko durch. Sie erinnern sich bestimmt an die hohen CDS spreads in den letzten Quartalen in 2011!

Unser Vorgang hat sich etabliert und bestätigt . Die gemeinsam erstellten Berichte enthalten das Rating und die CDS, und sie zeigen gleichzeitig das investierte Kapital bei der Hausbank auf einen Blick auf einer A4 Seite zusammenfasst.

 

Cash Flow Forecasting: Human Factor too often Overlooked

May 10th, 2012

By Martin Schneider

Most of the articles on cash forecasting and liquidity management in treasury publications focus on technology. See for example our April newsletter  and a gtnews article by Lisa Rossi of Deutsche Bank.

What we miss in these articles is the human factor. Based on our experience in coaching local finance staff, it is often difficult to include the new process into their daily work. Professional treasury staff in the group treasury adopt new processes easily but local people need time and coaching. Two considerations:

  • New software disturbs an existing process. Often, only some months after roll-out can old software be replaced or processes be adapted. It is simply too easy to install a new software.
  • Most of us in finance are extremely detail-oriented and introverts. When forecasting, we act as accountants and try to quantify the future. Liquidity planning is a guess though, so it needs some extravert brain cells. From our experience, it’s better make a guess and enter a rounded number than to calculate and spend hours of forecasting the future by cents.

The Power of YouTube – Do You Know Matt?

May 7th, 2012

In 2006, Matt, a regular young guy, posted videos doing a not very good dance in various Asian cities. He didn’t show any promise for sure. However, thanks to YouTube, Stride.gum, a prominent chewing gum company in the U.S., discovered him and asked him to take another trip around the world to make a new video.

Matt’s video, 14 months in the making, 42 countries, and a cast of thousands, has been viewed by over 42 million people.

Find out more…

The video: Stride Gum — Dancing Matt 2008” by StrideChewingGum, has been viewed by more than a million people.

The video has not only made Matt popular, it has put Stride.gum in the spotlight. The exposure is unprecedented!

It’s about thinking outside the box! There’s a whole world full of opportunities out there. How about having a geek open a bank account in various major cities around the world and video some of the hurdles he encounters?

 

Tomato Turns 20: Let’s Celebrate

May 2nd, 2012

Tomato turned 20 on May 5. During much of May 1992, I finalized all the legalities involved in starting a business and fine-tuned my vision and strategic goals – all this on the kitchen table in my apartment with just a telephone and PC.

To find out how things developed from there, check the milestones that led us to where we are now!

One crucial decision at the time was: What name would be symbolic and catchy for this company? Find out here what led to the name Tomato.

To celebrate our anniversary, we are planning various events in different Swiss cities including wine degustations, cooking classes, company visits and excursions on various lakes. The number of guests will be limited and different depending on the event.

We will email invitations to clients, friends and partners in the vicinity of any planned event and we’re looking forward to make our anniversary meaningful, exciting and inclusive!

Stay tuned!

Kunde sucht Junior Treasury Controller

April 19th, 2012

Die Dätwyler Gruppe sucht für ihre Treasury-Organisation eine(n) Treasury Controller.

(Details…)

Interessiert?
Nehmen Sie mit Frau Janine Gnos, Tel. 041 875 1466, Kontakt auf,
email oder schreiben Sie an Dätwyler Schweiz AG, Human Resources, Gotthardstrasse 31, CH-6460 Atldorf.

Tomato Newsletter April 2012

April 17th, 2012

In this month’s Issue:

TOMATO UPDATES

  • Martin’s Conclusion on Corporate Mobile Payments

FINANCE, BANKING AND IT

  • Mobilität kein Sicherheitsproblem
  • GTNews on Mobile Banking and Payments
  • Improving Cash Flow Forecasting
  • Treasury Departments Warming Up to Clouds
  • Report on IT Strategy and Cloud Roundtable Discussion
  • Is IT Innovation more Important than Cost Cutting?

CAREER AND MANAGEMENT

  • Goldman Sachs’News with Ramifications
  • Six Habits of Strategic Leaders
  • Main Reason Why Top Talents Quit

Enjoy and comment!

http://www.tomato.ch/newsletter-2012-04.html

 

 

Tomato Vlog: Corporate Governance – Ethical Guidelines

March 8th, 2012

In Tomato’s latest podcast, Martin Schneider and Sven Olof Andersson discuss ethical guidelines in relation to Corporate Governance.

Martin is especially impressed by the Swedish Nationalbank’s ethical guidelines posted at the top of their Corporate Governance policy for its simplicity and applicability for all kinds of ethical decision-making.

The Riksbank advises that „When one is faced with an ethical problem, it may be useful to ask oneself the following questions:

  • Would I consider it embarrassing or be concerned if my colleagues found out about this?
  • Is this something that could be perceived as an unfair benefit that I am receiving because of my position?
  • Could this in any way damage the Riksbank if it were published by the mass media?

More details in News ‘n Views March 2012

Listen to the Podcast/Vlog (13 minutes)

 

 

 

 

 

Participants: Sven Olof Andersson & Martin Schneider
Technician: Sven Olof Andersson
Mus
ic: Sven Bornemark
Studio: Sol String Studios, Uitikon-Waldegg

 

NZZ: Sonderausgabe über Geld

March 1st, 2012

In der NZZ: Sonderausgabe vom Donnerstag, 1. März 2012

Z.B. Dossier Portemonnaie:

Von Macht und Mammon: Was Geld mit uns macht und was wir damit tun
Geld hat das Potenzial, glücklich zu machen. Doch meistens bestimmt es auch dann über uns, wenn wir es gar nicht mehr nötig hätten. Davon ist der Wirtschaftspsychologe Erich Kirchler überzeugt. …

 

Ökonomische Auslauf-Modelle
Wirtschaftswissenschaften zwischen Selbstkritik und Mainstream

Die Finanzkrise stellt die Modelle der klassischen Ökonomie in Frage. An den Hochschulen werden sie munter weitergelehrt. Dieser Beitrag stammt aus dem aktuellen Magazin von NZZ Campus, das am Mittwoch, 29. Februar, erscheint und dem Thema «Geld» gewidmet ist.

 

News ‘n Views, February 2012, is now live

February 22nd, 2012

Tomato Newsletter Nr. 146 – February 2012

Topics:

TOMATO UPDATES

  • Corporate Payments via Mobile? Martin Schneiders Interview in “Der Treasurer”

FINANCE, BANKING ANT IT

  • Kunden erwarten mehr von Banken
  • Criteria Corporates Use to Select Banking Partners
  • Four Things Internal Auditors Require from CFOs
  • Buy or Lease? Preparing for New Regulations
  • CIOs müsssen während der Eurokrise Business Continuity garantieren
  • Daten auf Android Smartphones sicher löschen

CAREER AND MANAGEMENT

  • How One CIO Hires the Best IT Workers
  • Work Habits that Could End Your Career
  • Leader versus Manager: What’s more Important

Enjoy these News ‘n Views and send us your feedback or recommend topics that would interest you!

Mobile Zahlfreigabe ausserhalb des Unternehmens?

February 3rd, 2012

Der Artikel “Zurückhaltend mobil” in der Februar-Ausgabe von Der Treasurer berichtet, dass viele Unternehmen in Sachen mobile Freigabeverfahren zögern. “Keiner unserer Kunden hat bisher den Wunsch geäußert, Zahlungen außerhalb des Unternehmens freigeben zu wollen“, sagt Martin Schneider, CEO des Schweizer Cash-Management-Beratungshauses Tomato AG.

Den Anfang machen will bislang allerdings kaum einer. „Die Unternehmen reagieren abwartend“ beobachtet Schneider. Im Vergleich zu einem ersten Hype um mobile Zahlungen zur Jahrtausendwende räumt er der Technologie allerdings diesmal größere Chancen ein: „Damals waren mobile Zahlungen ein visionärer Ansatz, über den man sprach, aber der dann wieder verschwand. Diesmal wird sich das Thema dauerhaft weiterentwickeln.“

Artikel zum Download in pdf,  Seite 2