Logo Title Animation Overdraft Interest Calculator (O.I.C.) is a software package designed by Finalysis to analyse the overdraft interest charges of Irish banks. OIC is easy to use and no special training is required. Two versions are available: OIC Personal (�99 + VAT) and OIC Corporate (�295 +VAT)





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Finalysis provides a unique service, enabling clients to maximise value from their banking relationships while, simultaneously, reducing the cost of borrowing and of banking services generally.

The principal services are:

Corporate Banking Consultancy
Empirical Credit Risk Management
Feasibility Studies
Benefits and Fees
Procedure and Implementation
Confidentiality
Track Record



Corporate Banking Consultancy (CBC)
This is a comprehensive advisory service provided to major corporate clients on the strategic management of their banking relationships, focusing on the following aspects:
  • Cash Management - Money Transmission, domestic and international (using patented software).
  • Cash Pooling and Netting - local and foreign currencies.
  • Treasury Management and Borrowings - include the negotiation of facilities and interest rates.
  • Treasury Policy Formulation
  • Risk Management - interest and currency (again using patented software)
  • Bank Charges - Transaction costs
  • Operating and Reporting Procedures
Clients include many leading multi-nationals and public sector companies.


Empirical Credit Risk Management (ECM)
This is an actuarially constructed product (also patented) which assists Banks and Finance Houses in the management of their instalment-credit risk. It provides an 'early warning' on developing default, also measuring ongoing profitability and 'driving' provisioning and collections policies. This product is in current use by two Irish clearing banks and is the subject of a joint venture with Price Waterhouse.

Marketing of this product has now expanded to the US and South Africa.


Feasibility Studies
This consultancy service is provided directly to major financial institutions. Research work covers especially:
  • Product and Locational Evaluations.
  • Product Diversification.
  • Organisational Options.
This service is provided in association with academic staff of University College Dublin.


Benefits and Fees
Savings, which normally relate directly to the corporate's level of turnover, are usually substantial and are:
  • Immediate.
  • Cost-free.
  • Continuous.
Services are popularly provided on a 'results only' basis and fees to agreed realisable savings projected for the first year of implementation (including any cost refunds obtained). Alternatively, a flat fee may be agreed in advance. Under either option the service is fully self-financing.


Procedure and Implementation
Finalysis' usual procedure is to have an initial meeting to discuss existing banking arrangements and to identify possible scope for savings. Where significant savings appear to be available, a detailed review proposal issues. Thereafter and following receipt of necessary data, completion of the initial study, with recommendations, takes approximately four weeks. Client time input is at all stages minimal.

Finalysis works solely through the client and does not unless requested, communicate directly with the client's bank. Recommended techniques are, typically, high level and are easily implemented. Assistance is available, as required, in implementation.


Confidentiality
Services are fully confidential and Finalysis has no contact outside of the client company or its nominated officials. All documentation is returned at the end of the study.


Track Record
Finalysis has completed successful assignments for many of Ireland's premier corporates, multinationals and semi-states, with annual turnovers ranging from IR�10 million to over IR�2 billion.

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