Trends in treasury management in India and challenges & role of new age treasurer

Nov 22, 20210 likes91 views

The document discusses the changing role and expectations of treasurers. It suggests that treasurers are expected to play a more strategic role going forward rather than an operational one. It outlines attributes treasurers should have, including the right attitude, approach, and actions. The document also discusses the impact of regulations on funding and liquidity issues as well as trends in structured transactions and technology enabling more efficient treasury management.

Trends in treasury management in India and challenges & role of new age treasurer

1. Among other reasons are we Treasurers
responsible for the current credit / liquidity mess
…….? Were we being smart or being foolish….. in
hindsight……?
2. Are we guilty of a credit/investment decision,
which we were party to but never comfortable
with……?
3. So did we fail as Treasurers in executing our
responsibilities in the last decade……?
deja vu………Feeling

Transparency
Culture
Credit / Risk /
Compliance
Culture Culture of Self
Regulation
How do we change this…….
A strong Cultural shift is required…..
RBI / SEBI
/ SE etc
Survival of your organization is your responsibility
…………………and not that of the regulator

Are these challenging times for
Treasurers……Best times according to me..
The pessimist sees difficulty in every
opportunity……….
The optimist sees the opportunity in every
difficulty.
Winston Churchill

Financial
Controller /
CFO
1 2
3 4
Strategy
/ M&A
Business
Finance /
COO
Treasurer
What is the Role /Expectation from the
New Age Treasurer
A Treasurer is playing / or is expected to play a more strategic role and
less operational role as we go along…..

Attributes of a New Age Treasurer
“AAA” Qualities
1. Attitude
• I am the best judge of the financial scenario
• I have an independent mind
• I speak my mind
2. Approach
• Financial Doctor – Right diagnosis of the Financial Position,
whether it is a chronic or an acute problem or is it a cancer
3. Action
• Based on the Diagnosis following remedy could be
implemented
• Fresh Funding (Debt, Equity, Mezz), Debt Restructuring,
Change of Mgmt, NCLT, Stress Asset Funding, ARC etc…..

2014
2018
2015
2016
Introduction
of S4A
13th June,
2016
Introduction of
SDR
8th June, 2015
Abolition of
CDR, SDR,
5/25, S4A
and LOU’s
12th Feb,
2018
Introduction of
JLF and CAP
26th Feb, 2014
Impact of Regulations
More than the Changes the pace is more critical……..
2013
Rollover of Buyers
Credit restricted to
365 days
11th July, 2013
2012
Master Circular
on Debt
Restructuring
Introduced
2nd July, 2012
2001
Introduction of
CDR Mechanism
2001
2007 Guidelines on Debt Restructuring Introduced
2nd July, 2007

Impact of Regulations
● Fresh Funding has dried-up – New
Investments have become a
challenge
● Asset Liability mis-match
● Liquidity crunch leading to Defaults
having larger ramifications
Negatives
● Opening of New Funding Avenues –
Special Situation Fund, Stressed Asset
Funds
● New Resolution Platforms – ARC’s and
NCLT
● New Funding Structures – emergence
of new structured transactions
Positives
Is the regulatory doing post mortem or is he proactive…..?
Each Bubble has added to the already stressed financial markets – Corporate
Loans, Buyers Credit, Debt Restructuring (CDR), LOU’s etc……
Are we sitting on another bubble…..?

1. A strategic shift towards structured transactions as against plain
vanilla funding:
• Special Situation / Stressed Asset Funds
• ARC’s
• Corporates / NBFC’s providing working capital support through
trade structures
2. Automation / Outsourcing
• Increased Accuracy / Efficiency
• Manpower Cost Reduction
• Compliances
Trends in Treasury Management

Technology as an enabler for efficient
Treasury Management
1. Automation has not only increased the accuracy but has also
made certain jobs redundant, thereby leading to cost reduction
• Forex Modules / software's
• Export Documentation Modules / Software’s
• Cash Management tools
2. Outsourcing
• Forex can be completely outsourced
• Collection Agencies for Bad Debts / Receivables

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Trends in treasury management in India and challenges & role of new age treasurer

2. Todays Treasurers…Tomorrows……

3. 1. Among other reasons are we Treasurers responsible for the current credit / liquidity mess …….? Were we being smart or being foolish….. in hindsight……? 2. Are we guilty of a credit/investment decision, which we were party to but never comfortable with……? 3. So did we fail as Treasurers in executing our responsibilities in the last decade……? deja vu………Feeling

4. Transparency Culture Credit / Risk / Compliance Culture Culture of Self Regulation How do we change this……. A strong Cultural shift is required….. RBI / SEBI / SE etc Survival of your organization is your responsibility …………………and not that of the regulator

5. Are these challenging times for Treasurers……Best times according to me.. The pessimist sees difficulty in every opportunity………. The optimist sees the opportunity in every difficulty. Winston Churchill

6. Financial Controller / CFO 1 2 3 4 Strategy / M&A Business Finance / COO Treasurer What is the Role /Expectation from the New Age Treasurer A Treasurer is playing / or is expected to play a more strategic role and less operational role as we go along…..

7. Attributes of a New Age Treasurer “AAA” Qualities 1. Attitude • I am the best judge of the financial scenario • I have an independent mind • I speak my mind 2. Approach • Financial Doctor – Right diagnosis of the Financial Position, whether it is a chronic or an acute problem or is it a cancer 3. Action • Based on the Diagnosis following remedy could be implemented • Fresh Funding (Debt, Equity, Mezz), Debt Restructuring, Change of Mgmt, NCLT, Stress Asset Funding, ARC etc…..

8. 2014 2018 2015 2016 Introduction of S4A 13th June, 2016 Introduction of SDR 8th June, 2015 Abolition of CDR, SDR, 5/25, S4A and LOU’s 12th Feb, 2018 Introduction of JLF and CAP 26th Feb, 2014 Impact of Regulations More than the Changes the pace is more critical…….. 2013 Rollover of Buyers Credit restricted to 365 days 11th July, 2013 2012 Master Circular on Debt Restructuring Introduced 2nd July, 2012 2001 Introduction of CDR Mechanism 2001 2007 Guidelines on Debt Restructuring Introduced 2nd July, 2007

9. Impact of Regulations ● Fresh Funding has dried-up – New Investments have become a challenge ● Asset Liability mis-match ● Liquidity crunch leading to Defaults having larger ramifications Negatives ● Opening of New Funding Avenues – Special Situation Fund, Stressed Asset Funds ● New Resolution Platforms – ARC’s and NCLT ● New Funding Structures – emergence of new structured transactions Positives Is the regulatory doing post mortem or is he proactive…..? Each Bubble has added to the already stressed financial markets – Corporate Loans, Buyers Credit, Debt Restructuring (CDR), LOU’s etc…… Are we sitting on another bubble…..?

10. 1. A strategic shift towards structured transactions as against plain vanilla funding: • Special Situation / Stressed Asset Funds • ARC’s • Corporates / NBFC’s providing working capital support through trade structures 2. Automation / Outsourcing • Increased Accuracy / Efficiency • Manpower Cost Reduction • Compliances Trends in Treasury Management

11. Technology as an enabler for efficient Treasury Management 1. Automation has not only increased the accuracy but has also made certain jobs redundant, thereby leading to cost reduction • Forex Modules / software's • Export Documentation Modules / Software’s • Cash Management tools 2. Outsourcing • Forex can be completely outsourced • Collection Agencies for Bad Debts / Receivables

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