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.

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.

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?

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!

(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 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

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
Music: Sven Bornemark
Studio: Sol String Studios, Uitikon-Waldegg

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.

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!

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