Banking Optimisation
Bankhawk helps corporates unlock value from their banking relationships by building a full P&L across fees, FX, interest, and more — then benchmarking it to drive better decisions and better outcomes.
Understand the True Economics of Your Bank Relationships
Banks generate revenue from corporate clients in multiple ways — not just through headline fees. Yet many treasury teams operate without a full view of what each relationship is costing or delivering.
A complete banking relationship P&L — covering fees, FX margins, interest spreads, and ancillary income — provides visibility into true value and enables meaningful comparisons against market benchmarks.
Benchmark Costs, Margins, and Returns Across Banking Partners
Without benchmarking, it’s difficult to assess whether banking partners are delivering competitive value.
Independent analysis of FX margins, deposit returns, lending spreads, and service charges — across providers and geographies — highlights areas for improvement, often without requiring a change in provider.
Optimise Operating Cash Without Increasing Risk
For many corporates, operating cash remains underutilised — earning less than it could, or tied up in inefficient structures.
Improving returns without compromising liquidity or risk appetite requires a combination of account structure design, pooling strategies, interest margin analysis, and more effective allocation of surplus funds across entities and currencies.
Drive Strategic Treasury Decisions with Better Data
Your treasury function needs more than dashboards — it needs insight.
Bankhawk turns fragmented bank data into meaningful intelligence: relationship P&Ls, trend analysis, risk signals, and performance tracking. You gain clarity to renegotiate, consolidate, or expand bank relationships strategically — with confidence.
Insights Without Disruption
No need to switch banks or implement new systems. Existing data — across statements, platforms, and formats — is typically sufficient to generate meaningful insight.
The process requires minimal time investment from internal teams and delivers a faster path to actionable results.
Aligned to Your Outcomes
Many engagements are structured around performance or results-based models — ensuring that fees are aligned with the value delivered.
Whether the objective is cost reduction, improved returns, or stronger banking outcomes, support is designed to align with strategic priorities.
“Conscious that Bankhawk was helping other insurance companies to reduce their banking costs, RSA engaged them to assist us in optimising our banking and payments activity.
Bankhawk prepared an initial business case that convinced us there was substantial value to be secured in tendering our long-held banking arrangements. They partnered with us to tender the business and select our new provider.
Bankhawk then played a key role in the implementation, both advisory and hands-on role, of a new best-in-class banking and payments operation. This was a complex project given our legacy arrangements.
They fully understood our requirements and challenges, helping us to navigate through the migration.”
— Kerry McConnell, Group Investor Relations Director, RSA Insurance PLC
