Hi everyone and welcome to the world of Cash Management. Here, we're just gonna whiz through with you some of the core principles of the House of Cash Management. As with all houses, we build cash management relationships on a core set of foundations. These foundations are solid. What we need here are relationships between the bank and the client that are long term ones where both parties want to keep working with each other for many years, hopefully in several geographies. We also need a very strong credit appetite. This needs to be both ways, both for the bank to the client to allow overdrafts and and short term loan positions to be available, as well as intraday positions. But never forget, it's also from the client to the bank because when the client has a surplus balance on their account, that is them lending money to the bank at the end of the day. And then we also need to be working with relationships that are in both the geographies and the sectors that the bank wishes to operate in. There is no point in spending time trying to build a cash management relationship where the client is operating in a geography that the bank does not wish to support. And also, there is no point in spending your time and effort trying to build a cash management relationship where a customer operates in a sector that the bank does not wish to support. So now that we've got the foundations done, let's open the door of the house of cash management and go in on the ground floor. So the very first thing that you would see within a house of cash management is a need for bank accounts. Every cash management relationship has bank accounts. Now, these bank accounts, we need to analyze where they are and why the customer needs them. We're gonna be looking at account structures, whether those be underlay account structures, overlay account structures, or all the way bank account structures. We're also going to look at whether a customer has real bank accounts or virtual bank accounts. And now we're gonna flip back to the foundations and make sure that we followed all the KYC or know your customer principles of our bank, and that we've also got all the documentation properly completed to support the bank account structure that we wish to put in place. Now working alongside bank accounts and to make sure we set up the best bank account structure for our clients, we need to fully understand the various different transaction types that a customer is undertaking and why. We will then set up a bank account structure that can support all the different transaction types that a client needs to support. Now, once we've got our bank account, and once we've got transactions flowing through the bank account, that is gonna create a position at the end of a working day, and that's either gonna be a surplus or a deficit. And that position, well, it might be in a single Currency, it might be across several currencies. Those positions may be in one geography or it may be in several geographies. So bearing all those facts in mind, we're going to look at ways of auto sweeping balances, and we're also going to look at ways of looking at amalgamated balances and treating them as in one position. We're also going to look at an aspect of bonus interest that may be payable to balances that are locked in a certain geography or are held in a certain bank account for regulatory reasons. Now, as we said right at the start, we have now surplus and deficit balances. This creates either investment opportunities for a client or an overdraft. The purpose of the perfect bank account structure is to maximize those investment opportunities and to minimize those deficit costs. Now, how do we inform customers about the transactions that have been flowing through the bank accounts and the various balances that are now sitting on these bank accounts? We create a technical infrastructure between ourselves. Now customers have their own technical infrastructure, and we're gonna touch upon that. And we're also gonna be talking about the various different technical infrastructures that the bank may have to communicate with our clients. As well we're also going to touch upon the market standards that are happening across the cash management world. So we've now done the foundations. We've talked about the ground floor. We've done up the stairs to the first floor. We've talked around the first floor of our house of cash management, what's on top of all good houses, a roof, and we have a roof here that supports other product streams that sit alongside cash management. If you have a customer that is dealing with clients that it doesn't know, or with clients that are in a different geography, then we're gonna touch upon some of the services that we can make available through our trade and working capital product range. If a customer's also looking at clients that are with in other geographies, or maybe it's a business that transcends many different geographies, then there's probably going to be the need to go cross currency. So we're gonna touch upon some of the foreign exchange products that our bank can offer. We've mentioned that from our account structures there may be investment opportunities. So we're also gonna touch upon the bank's asset management solutions. And if your customer happens to be a financial institution, we're also going to touch upon the world of security services, our custodial solutions for our clients.