Global Liquidity Management
A complete solutions suite that integrates liquidity, payments and FX
The global capabilities, industry expertise and transformative technology to support you at every stage of your cash management journey.
How Can We Help?
Whether you are seeking to control, gain visibility into, or optimize your working capital, we have the capabilities to help you meet your liquidity objectives.
Visibility
Control
Optimization
Create and operate virtual account structures that mirror your organizational set-up. Improve cash visibility, optimize liquidity and rationalize the number of physical accounts required to effectively manage cash across the organization.
- Visualize your entire cash picture, make decisions in real time, and gain insights that drive critical business decisions.
- Track all transaction activity from one account, around the globe and around the clock. Free up resources by reducing the administrative burdens of manual reconciliation and running multiple physical accounts.
- Integrate virtual structures with existing liquidity solutions to optimize your in-house bank models and streamline processes.
For more information on Virtual Account Management, click here.
J.P. Morgan’s automated Intercompany Loan Reporting & Administration solution complements our Physical Cash Concentration and Virtual Account products, providing transparency and enabling control of intercompany flows.
- Monitor and track intercompany loan positions across your J.P. Morgan and third-party bank accounts.
- Automatically settle interest between lender and borrower at a frequency you define.
- Receive on-demand and end of period reporting via the J.P. Morgan Access® Liquidity Solutions online portal - allowing you to self-manage interest rates and adjust intercompany loan positions as required.
Our online liquidity platform allows you to leverage online account diagrammatic views for notional, physical and virtual account structures. It also enables you to better manage your global liquidity footprint while managing intercompany relationships across your J.P. Morgan and third-party bank accounts, with various reporting, loan settings and settlement options.
Account Services
J.P. Morgan’s Account platform is always connected, always available and is fully integrated with our Payment and Liquidity platforms and products.
- Real-time balance and transaction reporting with instant confirmation of transactions.
- Flexibility to send data when you need, configurable to set minimum transaction value thresholds and balances, throughout the day, for improved visibility.
- Delivered in standard format that can easily integrate with existing systems and reconciliation tools.
Our wide range of Physical Cash Concentration solutions allow you to seamlessly move funds across the globe on the same day with no loss of value.
- Automatically move funds between J.P. Morgan locations at either intraday or end-of-day in the same currency or convert balances to a desired currency with full transparency as part of your multicurrency management.
- Create fully integrated liquidity structures by connecting balances held at third party banks with our Multibank Sweep product to reduce liquidity buffers and free working capital.
- Reduce idle balances and minimize currency exposure by prefunding payments just before release, from one central funding account, in the same or different currency (Cross Currency Sweeping), with Just-in-Time Funding.
A Notional Pool provides increased flexibility in the management of balances and currencies across fully operational accounts.
- Combined with other products or used as a standalone, use your own balances to naturally offset short positions without moving or comingling funds.
- Connect regional pools via sweeps to create global structures, allowing local currencies to be retained and aligned with local funding needs, whilst value can be automatically extracted in a currency of your choice.
- Use the Notional Pool to draw down in any currency – enabling you to use balances in one currency to fund payments in another without the need to physically convert funds for efficient multicurrency management.
As an alternative to credit interest payments, J.P. Morgan’s Earnings Credit Rate allows you to maximize the value of global balances by offsetting a wide range of fees across your global J.P. Morgan banking relationships.
- Where permitted, create global structures with balances in one country offsetting fees in another, thereby maximizing the value of idle cash in certain countries.
- Improve operating profit and other financial metrics by expanding structures to also offset most trade finance and merchant fees.
- Remove manual reconciliation processes as Earnings Credits are automatically applied to offset fees globally. Receive comprehensive account information in a single global relationship statement to maintain transparency.
Liquidity Management Account rewards stable balance behavior on operational deposits with an enhanced return for longer, more stable funds.
- Use balances in one currency to offset fluctuations in another as part of a group structure to smooth out balance volatility and add further value.
- Maintain daily liquidity as operating cash stays in the account and is always available for use.
- Earn potentially enhanced yields on operating cash, based on the stability of the balances.
Related Insights
Unlock the Advantage
Discover how we deliver exceptional value across the entire payments continuum.
Speak with your J.P. Morgan representative today.
This content is for discussion purposes only and is incomplete without reference to the other briefings provided by JPMorgan and may not be disclosed or used for any other purpose without the prior written consent of JPMorgan.
J.P. Morgan, JPMorgan, JPMorgan Chase and Chase are marketing names for certain businesses of JPMorgan Chase & Co. and its subsidiaries worldwide (collectively, “JPMC”). Products or services may be marketed and/or provided by commercial banks such as JPMorgan Chase Bank, N.A., securities or other non-banking affiliates or other JPMC entities. JPMC contact persons may be employees or officers of any of the foregoing entities and the terms “J.P. Morgan”, “JPMorgan”, “JPMorgan Chase” and “Chase” if and as used herein include as applicable all such employees or officers and/or entities irrespective of marketing name(s) used. Nothing in this material is a solicitation by JPMC of any product or service which would be unlawful under applicable laws or regulations.
Investments or strategies discussed herein may not be suitable for all investors. Neither JPMorgan nor any of its directors, officers, employees or agents shall incur in any responsibility or liability whatsoever with respect to the contents of any matters referred herein, or discussed as a result of, this material. This not intended to provide, and should not be relied on for, accounting, legal or tax advice or investment recommendations. Please consult your own tax, legal, accounting or investment advisor concerning such matters.
Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by JPMC and or its affiliates/subsidiaries. This does not constitute a commitment by any JPMC entity to extend or arrange credit or to provide any other products or services and JPMorgan reserves the right to withdraw at any time. All services are subject to applicable laws, regulations, and applicable approvals and notifications. These statements are not intended to be legally binding. Any products, services, terms or other matters described herein (other than in respect of confidentiality) are subject to the terms of separate legally binding documentation and/or are subject to change without notice.
Changes to Interbank Offered Rates (IBORs) and other benchmark rates: Certain interest rate benchmarks are, or may in the future become, subject to ongoing international, national and other regulatory guidance, reform and proposals for reform. For more information, please consult: https://www.jpmorgan.com/global/disclosures/interbank_offered_rates.
Ombudsman J.P. Morgan: 0800-7700847 / ouvidoria.jp.morgan@jpmorgan.com
JPMorgan Chase Bank, N.A. Member FDIC.
JPMorgan Chase Bank, N.A., organized under the laws of U.S.A. with limited liability.
© 2020 JPMorgan Chase & Co. All Rights Reserved.
You're now leaving J.P. Morgan
J.P. Morgan’s website and/or mobile terms, privacy and security policies don’t apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. J.P. Morgan isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the J.P. Morgan name.